GB/T 41020-2021Guidance on building fire risk assessment for property insurance (English PDF)

Foreword

This document is in accordance with the provisions of GB/T 1.1-2020 "Guidelines for Standardization Work Part 1. Structure and Drafting Rules of Standardization Documents" Drafting.

Introduction

Scientifically and reasonably assessing the fire risk of a building and determining its risk level can not only provide decision-making basis for insurance underwriting, but also make The government, the public and units have an accurate understanding of the fire safety status of buildings; at the same time, with the leverage of fire insurance rates, the investment can be adjusted.

Insurers are motivated to improve the level of fire safety and realize the benign interaction between fire protection and insurance, so as to speed up the socialization process of fire protection and reduce fire incidents.

Therefore, and fire losses, promote social harmony and stability and the steady development of the national economy.

This document draws on the successful experience of foreign countries and combines the actual situation of our country, recommends the basic method of building fire risk assessment, realizes the construction The fire risk classification of the property is used to guide the underwriting and rate fluctuation of property insurance, so that the insurance rate level of the insured building is related to its risk status. unified. Insurance intermediaries can use this document to carry out fire risk assessment for the entrusting party, obtain the fire risk level of the building, and evaluate the fire risk of the building.

Provide consulting and services to eliminate fire hazards and reduce fire risks; insurance companies can use this document to further regulate property insurance underwriting.

Standardized and scientific, and the rate determination is further rationalized and refined; the policyholder can use this document to clarify the key links of fire risk control, Take effective measures to minimize the risk of fire.

This document is based on our country's fire protection laws, regulations, standards and norms. Developed on the basis of advanced experience inside and outside.

1 Scope

This document provides guidance on operating procedures and assessment methods for building property insurance fire risk assessment (hereinafter referred to as fire risk assessment).

The basic elements and relevant information that should be considered in the fire risk assessment of building property insurance are given.

This document is applicable to fire risk assessment of property insurance for residential, public buildings, factories, warehouses and other civil and industrial buildings.

2 Normative references

The contents of the following documents constitute essential provisions of this document through normative references in the text. Among them, dated citations documents, only the version corresponding to that date applies to this document; for undated references, the latest edition (including all amendments) applies to this document.

GB/T 5907 (all parts) fire fighting vocabulary

GB 35181 Determination method for major fire hazards

3 Terms and Definitions

The terms and definitions defined in GB/T 5907 (all parts) and the following terms and definitions apply to this document.

4 Classification and classification of fire risk assessment

4.1 The fire risk assessment shall be classified according to the use nature of the insured buildings, and should be divided into the following four categories.

--- Residential fire risk assessment;

--- Fire risk assessment of public buildings;