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PURPOSE OF EXPRESSION OF INTEREST

  • In expressing your interest in participating in the ARAA INSURANCE program you are not committed to any future action.
  • ARAA is addressing a known industry problem and exploring a possible solution that will be of benefit to participating businesses.
  • If there are enough businesses who register an interest, this will provide a sufficient “pool” for our Broker to negotiate with the Re-Insurer a competitive rate for all businesses.
  • IF WE GET A GOOD RESPONSE, AND YOU ARE INTERESTED IN GETTING A QUOTE FOR YOUR BUSINESS YOU WILL BE ASKED TO COMPLETE A BUSINESS QUESTIONNAIRE PROVIDED BY THE BROKER.
  • We recommend you consider the following Insurance Guidance as most of these issues will be covered in the Broker’s questionnaire.

Fire Risk Mitigation


  • ▪ Are emergency exits clearly marked and easily accessed?
  • ▪ Are External Waste bins stored clear of buildings and securely closed during non-business hours?
  • ▪ Are aisles, walkways, and stairs free of obstacles, loose mats, slippery or uneven surfaces?
  • ▪ Are regular inspections conducted for hazards?
  • ▪ Is there a formal maintenance program in place to ensure regular servicing of fixed machinery and hoists?
  • ▪ Is all "Hot Work" including Cutting, Welding, and Grinding conducted in an area clear of flammable materials?
  • ▪ Are fire extinguishers always positioned nearby when completing Hot Work?

Physical Security


  • ▪ Are emergency exits clearly marked and easily accessed?
  • ▪ Are doors and doorframes capable of withstanding force?
  • ▪ Are locks, padlocks, shackles, and chains of sound quality and able to withstand force?
  • ▪ Are external doors secured by deadlocks?
  • ▪ Do security guards regularly patrol premises?
  • ▪ Are security-warning signs prominently displayed?
  • ▪ Is an electronic surveillance system installed and fully operational?
  • ▪ Does external lighting cover the key areas surrounding the premises?
  • ▪ Is perimeter fencing adequate for the risk involved?

Personal Injury


  • ▪ Are barriers and fences installed and signs displayed to deter and prevent access to prohibited areas?
  • ▪ Are all steps clearly marked?
  • ▪ Are secure handrails installed on all ramps, stairs and elevated areas?
  • ▪ Is customer access to work areas prohibited?
  • ▪ Are signs displayed warning pedestrians of vehicles?
  • ▪ Do all customers who enter storage yards complete a Disclaimer prior to entry?

Property Loss & Damage


  • ▪ Are motor vehicle keys removed and secured when vehicle is unattended?
  • ▪ Are goods in the open properly secured against theft?