The Commonwealth of Virginia
Date Visited: 04-Feb-15
Location Name: Lord Fairfax Community College
Address: 173 Skirmisher Lane
Middletown, VA 22645
United States
Commercial Property
Property Risk Improvement
Report
Property Risk Improvement Report
LOCATION SURVEYED: Lord Fairfax Community College
173 Skirmisher Lane
Middletown, VA 22645
United States
39.035903° / -78.267219°
FILE NUMBER: 7464-2
DATE OF SURVEY: 04-Feb-15
PREVIOUS SURVEY: None
BROKER: Willis of Virginia, Inc.
UNDERWRITER: Frank Broussard
RISK ENGINEER: Joseph Fern
ACCOMPANIED BY: NAME TITLE
Chris Boies Vice President of Finance & Administration
David Bushman Director of Facilities
Steve Ayers Lead Maintenance
Doug Schrier Coordinator of Network Security
Kelly Ewing Laboratory & Research Specialist
DISTRIBUTION: NAME TITLE
Frank Broussard Underwriter
Philip Pyron Account Engineer
TABLE OF CONTENTS
SCOPE AND SUMMARY
RISK IMPROVEMENTS
NEW PROJECTS, SIGNIFICANT CHANGES AND OBSERVATIONS
SUPPORT SERVICES
RISK IMPROVEMENT DEFINITIONS
CUSTOMER SATISFACTION
The information contained in this report is intended for the express purpose of assisting AIG personnel in the management of an AIG insurance program. No warranty,
guarantee, or representation, either expressed or implied, is made as to the correctness or sufficiency of any representation contained herein. This report may not address each
and every possible loss potential, violation of any laws, rules or regulations, or exception to good practices and procedures. The absence of comment, suggestion, or
recommendation does not mean the property or operation(s) is in compliance with all applicable laws, rules, or regulations, is engaging in good practices and procedures, or is
without loss potential. No responsibility is assumed for the discovery and/or elimination of hazards that could cause accidents or damage at any facility that is subject to this
report. Reliance upon, or compliance with, any of the information, suggestions or recommendations contained herein in no way guarantees the fulfillment of your obligations
under your insurance policy or as may otherwise be required by any laws, rules or regulations.
American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries and jurisdictions. AIG companies serve
commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are
leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange.
AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. Products and
services are written or provided by subsidiaries or affiliates of American International Group, Inc. Not all products and services are available in every jurisdiction, and insurance
coverage is governed by actual policy language. Certain products and services may be provided by independent third parties. Insurance products may be distributed through
affiliated or unaffiliated entities. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state
guaranty funds and insureds are therefore not protected by such funds.
The Commonwealth of Virginia
Middletown, VA United States
Survey Date: 04-Feb-15
Lord Fairfax Community College
SCOPE AND SUMMARY
This facility was visited to undertake a risk assessment of the fire and associated perils for insurance purposes. The
purpose of the assessment was to assist in the identification and mitigation of hazards and exposures that could lead to
the loss or damage to assets or business interruption.
The Lord Fairfax Community College is one of 23 state-owned community colleges within the Commonwealth of Virginia.
The campus currently contains approximately 5,700 unduplicated students and approximately 300 faculty and staff
members. The campus includes seven buildings, which total approximately 195,000 ft². The predominant construction
classification for the campus is ISO-4 with combustible metal deck roofs. Automatic sprinkler protection is provided
throughout approximately 63.5% of the campus building area. Local management has a strong commitment to loss
prevention and plans to implement most of the human element recommendations. Additionally, the client expects to
complete some of the physical recommendations during building renovations.
RISK IMPROVEMENTS
During the risk assessment, a number of issues were raised and discussed at the closing meeting. The following Risk
Improvements have been developed based on National and International Codes and Standards, best practice and/or
sound loss control judgment. Implementation of these Risk Improvements will help to eliminate, mitigate or control
potential losses.
Risk improvements have been proposed to assist you in reducing your exposures and managing your risk. Please ensure
that you update AIG as you implement these risk improvements. If you need further assistance or want to discuss a
particular risk improvement in greater detail, please contact your AIG Loss Prevention Engineering contact.
Risk Improvement Classification (Physical Protection only): To assist in complying with the Risk Improvements we
have provided:
Categorization by type for each risk improvement;
Reduction in the loss potential once the Risk Improvement is completed
“Human Element” risk improvements: Studies consistently show that the root cause of 60-80% of incidents in the
workplace can be attributed to a deficiency in management systems or some element of human error. Effective risk
management programs are therefore a foundation of all good loss prevention strategies. At AIG we identify opportunities
for improvements to risk management programs. We class these as “Human Element” risk improvements. A “Human
Element” risk improvement is one for which no or very little capital expenditure is required. Given that these are good
management practices that can contribute significantly to risk reduction we anticipate that these improvements would be
implemented.
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The Commonwealth of Virginia
Middletown, VA United States
Survey Date: 04-Feb-15
Lord Fairfax Community College
HUMAN ELEMENT RISK IMPROVEMENTS
15-02-01 Planned Preventative Maintenance on Electrical Systems
Summary:
Establish a planned preventative maintenance program for all electrical components within the facility.
Details:
The client has not conducted infrared testing on electrical equipment in recent history.
Infrared testing should also be conducted on a regular basis to ensure that there are no hot spots or loose connections in
electrical panels and electrical switchgear. Electrical circuits and components will breakdown for a variety of reasons.
Whether it is through overloading, fatigue, defective components, contamination or just loose connections they will
always have a rise in temperature or 'hot spot' prior to breakdown. Infrared cameras allow thermographers to see these
thermal imbalances prior to the breakdown, which prevents a potential campus closure.
Response:
The client plans to complete this recommendation.
15-02-02 Impairment Procedures
Summary:
Implement the AIG fire protection impairment procedure to monitor impairments to your fire protection equipment.
Details:
In the event of a fire protection impairment, facilities personnel contact the alarm monitoring company as well as campus
security.
Impaired fire protection can result in a large loss if not properly managed. The Commonwealth of Virginia Office of Risk
Management requires that all impairments be reported to the AIG Impairment Desk. This will allow AIG to monitor the
impairment and provide guidance regarding precautions that should be taken while the impairment exists. Impairments
can be reported by calling 877-705-7287 or emailing [email protected].
Response:
The client was provided with the AIG Impairment Program documentation and plan to immediately implement the
program.
15-02-03 Hot Work Permit
Summary:
Implement the AIG cutting & welding permit system to monitor hot work operations at your facility.
Details:
The college does not currently have a hot work permit program in place.
Improper cutting & welding is a leading cause of fire. The cutting & welding permit ensures proper precautions are in
place prior to such work. All hot work operations should be performed under this program, including contractors. The AIG
Hot Work permit should be utilized for all hot work activities on campus. The Commonwealth of Virginia risk managers
stipulate that hot work sites should be inspected 4 hours after the work is completed to ensure there are no smoldering
embers.
Response:
The client was provided with the AIG Hot Work Permit Program documentation and plan to immediately implement the
program.
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The Commonwealth of Virginia
Middletown, VA United States
Survey Date: 04-Feb-15
Lord Fairfax Community College
15-02-05 Hydrant Flow Test
Summary:
Contact the City of Winchester Department of Utilities to schedule hydrant flow testing for nearby fire hydrants.
Details:
The City of Winchester was unable to provide any up-to-date hydrant flow test information for the campus.
It is important to have accurate and current hydrant flow test results in order to properly evaluate the automatic sprinkler
protection adequacy within some of the buildings and to ensure that the fire department has adequate flow for firefighting
operations.
Response:
This recommendation was not presented to the client.
PHYSICAL PROTECTION RISK IMPROVEMENTS
15-02-04 Automatic Sprinkler Protection
Category Important
Summary:
Install automatic sprinkler protection throughout all non-protected buildings on the Lord Fairfax Community College
campus.
Details:
Currently all of the buildings on the campus are equipped with automatic sprinkler protection except for The Lodge, the
Maintenance Building, and the majority of Fairfax Hall.
The Lodge and Fairfax Hall (offices and classrooms)
Automatic sprinkler protection in these areas should be designed following the Light Hazard design curve, which
provides a minimum density of 0.10 gpm/ft² over the most hydraulically remote 1,500 ft² with a 100 gpm hose allowance.
Maintenance Building
Automatic sprinkler protection in this area should be designed following the Ordinary Hazard Group 2 design curve,
which provides a minimum density of 0.20 gpm/ft² over the most hydraulically remote 1,500 ft² with a 250 gpm hose
allowance.
All of the automatic sprinkler protection should be installed in accordance with the most recent edition of NFPA 13,
Standard for the Installation of Sprinkler Systems. The systems should generally be wet-pipe systems and should include
quick-response sprinkler heads with a K-factor of 5.6 and an ordinary temperature rating. All sprinkler piping should have
a UL Corrosion Resistance Rating (CRR) of at least 1.0.
Response: The client plans to install automatic sprinkler protection throughout the remaining areas of Fairfax Hall by
2016.
Loss Expectancy (USD) 30,390,000 Loss Expectancy after Completion (USD) 1,700,000
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The Commonwealth of Virginia
Middletown, VA United States
Survey Date: 04-Feb-15
Lord Fairfax Community College
NEW PROJECTS, SIGNIFICANT CHANGES AND OBSERVATIONS
It is important to involve your insurer in new projects, such as refitting, refurbishment, extension work, new builds or re-
locating to a new site. Failure to do so could result in using non-approved construction materials (even though they meet
local Building Codes and Fire Regulations) or inadequately protected facilities which could lead to expensive retrospective
additions or rework. The Loss Prevention Engineering team at AIG can assist you with this by providing you with
engineering support both before and during your project. Please contact us before you commence your project to ensure
that we can arrange a consultation with one of our engineers.
Fairfax Hall is currently undergoing full renovations that include the installation of automatic sprinkler protection. The client
reports that the project will be completed in early 2016.
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The Commonwealth of Virginia
Middletown, VA United States
Survey Date: 04-Feb-15
Lord Fairfax Community College
SUPPORT SERVICES
Fire Protection Impairments: All fire protection impairments (i.e. sprinkler systems, fire pumps, water supplies) should
be reported to AIG by phone or email as indicated below:
Impairment Email: [email protected]
Impairment Phone: 877-705-7287
Ordering Resource Material: Resource material, including Hot Work Permits, Fire Protection Impairment Tags and Fire
Protection Inspection Programs, should be ordered as indicated below. Other material is available through your Account
Engineer.
Resource Email: [email protected]
Lexington Insurance Company Webcasts: Our Lexington website provides clients with Audio and Webcast Series
(LexCasts) which focus on significant issues relevant to insurance and risk management. In addition this site provides
clients with Natural Catastrophe resources, links, articles and informational bulletins. The Lexington website can be
viewed by clicking on the following link: http://LexingtonInsurance.com/pgCATcenter.php
Risk Tool: Risk Tool is an on-line loss control resource presented by AIG. Please contact your Account Engineer to
become registered. A RiskTool Demo can be reviewed by clicking on the following link: http://www.risktool.com
Account Engineer: The Account Engineer managing loss control for your account is:
Name: Philip Pyron
Company: AIG
Phone: (804) 762-8722
Email: [email protected]
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The Commonwealth of Virginia
Middletown, VA United States
Survey Date: 04-Feb-15
Lord Fairfax Community College
RISK IMPROVEMENT DEFINITIONS
Our Risk Improvement opportunities have been classed as either “Human Element” or “Physical Protection”
improvements. These are defined as follows:
• A Human Element risk improvement typically relates to procedures and management programs and will not normally
involve, or will have limited, capital expenditure.
• A Physical Protection risk improvement is associated with provision of physical plant and equipment; typically there could
be a capital expenditure associated with these improvements.
Category Definitions:
1 - Critical
Serious deficiencies or conditions that create an immediate & severe potential for loss. These deficiencies represent
conditions that are serious enough to affect the overall fire safety of the facility. Deficiencies of this nature require
immediate attention by the insured, with either full compliance or reasonable mitigation of the exposure.
2 - Important
Deficiencies that do or may cause a loss. These are recommendations to correct uncontrolled exposures or to achieve
and maintain a reasonable level of property protection. These recommendations require commitment on the part of the
insured to change or modify conditions or work practices in order to reduce the potential for serious loss, resulting from
either frequency or severity of events.
3 - Advisory
Deficiencies, minor in nature that are not expected to contribute significantly to a loss but do represent or could
contribute to unsafe conditions or unsafe acts. These are recommendations that are considered best practices to
enhance the level of property protection. Although compliance with these recommendations improves the risk and
reduces the likelihood of a loss occurring from the recognized hazard or situation, they are considered desirable and not
mandatory in nature.
Loss Expectancy Definition:
The loss expectancies outlined in the Risk Improvements assume that the existing protection and notification functions,
whether it is adequate for the occupancy or not. This includes both public and private protection. Fire department
response is also anticipated.
Estimated Cost to Complete**
Where provided, the estimated costs to complete are indicative costs only and not an exhaustive analysis. Its purpose is
to distinguish between all recommendation costs on a relative basis which highlight the difference between maintenance
and capital improvement costs. Before proceeding with the commissioning of any work, several quotes from qualified and
licensed contractors are advised.
CUSTOMER SATISFACTION
We would welcome any feedback that you may have regarding this report or risk engineering services in general and
would ask you to direct this to the following email address: [email protected].
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