Engineering – ITSEMAP

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Client services

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Our objective is to help our clients to carry out effective Risk Management in order to guarantee the continuity of their operations and to achieve their strategic targets. This complex activity involves the identification, elimination and/or reduction of their risks, the prevention, control and finance of such risks including, where applicable, the most appropriate transfer to the insurance market.

In MAPFRE Global Risks we concentrate our efforts on developing insurance products and technical-insurance services for our client for each risk management stage and type. For this reason, we offer a Risk Inspection and Evaluation service that is specialized according to the type of business activity.

Our Risk Inspection and Evaluation service provides our clients´ risk management organisation with the necessary technical support and information on the identification, categorization and measurement of the principal risks in their installations and processes. We analyze the safety characteristics installed, estimates of their consequences in economic terms and, finally, we propose prioritized improvements for achieving correct risk mitigation.

Our methodology for inspecting and evaluating risks:

The obtaining of information is carried out by the technical staff of ITSEMAP – the Engineering Department of MAPFRE Global Risks - together with technical staff that are familiar with the installations to be inspected. We analyze the characteristics and expected functions of the existing safety measures and propose detailed improvements. We analyze plans and process diagrams in addition to other technical documentation on safety, such as that relating to Risk Prevention in the Workplace, maintenance programmes, electrical tests and certifications, etc.

Our team, with a global presence, has broad technical experience of over 30 years in  the analysis of complex risks (industrial activities and construction), in the investigation of causes of accidents and with state of the art knowledge on operation processes in large companies and the most effective prevention and control techniques. Additionally we have our own evaluation methodologies.

Our aim is to improve the technical management of risks and to reduce the operational costs for our clients, contributing improvements in all stages of the management cycle. We create and design a programme that is adapted to the characteristics of each installation and always work, hand in hand, with our Business Areas and our client.

The proximity and focus on the client have enabled MAPFRE Global Risks to attain a leading position in the segment of large international corporations in Spain and Latin America and now have a strong presence in the rest of Europe.

The risk of fire is present in all businesses and its consequences can be very serious. In MAPFRE Global Risks not only do we respond to the difficulties but also provide proactive risk management advice from a theoretical perspective and based on actual claims. We have more than 30 years experience undertaking and directing projects and offering specialized consultancy in Fire Protection.

From the ITSEMAP Engineering department we provide audit services on Fire Protection (FP) systems that include:

  • Analysis of whether the design, execution and maintenance conditions for the fire protection (active and passive) conform to the applicable regulations.
  • Verification of its correct functioning and efficacy by carrying out functional tests on the equipment where possible.
  • Checking that the risk has the FP installations required under current Regulations.
  • Proposals for effective solutions from a Technical-Economic point of view.

These tests are carried out not only for legal requirements or for the insurers, but especially to ensure compliance with the client´s actual safety policy and to check compliance with the established safety levels.

Moreover, the analysis and review of the real state and condition of the fire protection systems provide a clear picture of the actual risk status. This makes it possible to establish measures to be followed for adapting and/or extending the necessary systems, and for the optimization of protection needs in new installations. As a complement to this service we also offer a Personalized Improvement Plan on the quality of the risk.

ITSEMAP has in-depth knowledge on regulations, comparable experiences for the most complex production processes, own work methodologies, and even publications and audio-visual media with technical content which is at the disposal of our clients.

Our experience with solutions for unusual cases using Performance Based Objectives is a clear differentiating factor.

How do we undertake reviews on the fire safety conditions?

The analysis of the situation of the installations is based on the information obtained during working tests and visual examination. To appreciate the risk conditions it is necessary to have documentary information such as:

  • Up to date plans (with digital support) of the installations to be audited. Including indications of the areas destined to the different production processes or storage, and the type, amounts and height of such storage.
  • Access to the project and documentation relating to the installations (technical characteristics, certificates, etc.).
  • Definition of the fire sectors and certification of materials / solutions.

Finally, a Report is prepared which shows, amongst other topics, the analysis of the situation for fire protection installations and prioritized improvement recommendations that should be carried out to correct the detected deficiencies. This can be used as a basis for preparing a Management Plan for investments.

The correct maintenance of the fire protection facilities is one of the main challenges in managing the risk of fire.

Through the proposed optimization, we are pursuing both the identification of the deficiencies in the maintenance system in force and the support of those persons responsible for implementing a programme that is suitable according to the characteristics of its installations.

The analysis of the maintenance begins with the dispositions established in the legislation and technical regulations, as well as the best international practices that lay down the steps required for the correct maintenance of FP installations.

Amongst the points to be analysed are:

  • Administration of Documentation (maintenance logs, installation parts, etc.)
  • Integration of the specific maintenance programme for FP facilities within the company´s general program.
  • The general condition of the installations identifying any symptoms of insufficient maintenance.
  • Review of maintenance contracts and approval by authorized maintenance firms.
  • Frequency and analysis of maintenance operations. 
  • Specific analysis on the maintenance operations.

As in the case of the audits, the work has to be carried out in two clearly differentiated fields: a visit to the facilities to detect the situation and work at the office to analyse the documentation provided. Prior to the visit to the installations, contacts are maintained with the company´s management to obtain all the necessary documentation.

The objective is the preparation of a detailed report outlining any possible deficiencies in the maintenance of the facilities and to present those actions or recommendations for improvement to the maintenance of the FP facilities with special attention to the particular characteristics of the client: type of installation, their condition, production systems, and general maintenance plan. All of this is done with a clear practical focus and includes inventory index cards, maintenance work for each installation and its frequency.

To achieve operational excellence, in MAPFRE Global Risks we consider technology to be a strategic asset in our decision making. By using our thermographic diagnosis service we can identify in advance, even months before, deficiencies that could cause a breakdown with process stoppage or, at worst, a fire.

Through the use of predictive maintenance techniques, we can measure the surface temperature of materials using cameras with infrared spectrum sensors which, when applied to electrical installations enables the detection of abnormal hot spots.

It is advisable to undertake an annual review of the facilities using this technique.

Our usual method of working incorporates such aspects as:

  • Inspection of the physical, electrical and mechanical conditions of the element, after opening any encasement, analyzing switches, mechanisms, wiring, disruptors and any other device in the installation that carries an electrical load.
  • The preparation of a detailed technical report incorporating, amongst other things, the following information:
    • Exact situation of the identified “hot spots”.
    • Classification of the seriousness of what has been discovered.
    • The difference in temperature between the “hot spot” and what is considered to be a “normal” temperature for the area in question.
    • Possible causes of the increase in temperature.
    • Control measures.

    Undoubtedly, this is one of the most efficient prevention techniques available at present, provided that it is carried out by professionals with suitable training and experience. Our specialists have used this technique systematically for over a decade.

Taking into account that the electrical installation is one of the most common sources of ignition that causes a fire claim, this service goes one step further, ending with the thermographic diagnosis of the electrical facilities, in the control and minimization of this type of risk.

A full audit of the electrical installation comprises the following aspects:

  • Thermographic Report
  • Visual inspection of the main and secondary switchboards.
  • Testing with measuring instrumentation.
  • Analysis of the quality of the electrical supply.

The scope of the thermographic diagnosis is described in detail in the corresponding paragraph. As for the visual inspection and analysis, this centres especially on the protections installed against direct contacts and against indirect contacts.

The inspection review that is undertaken on the low voltage electrical installations includes, amongst others, aspects such as:

  • Compliance of the installation with the single-line diagram provided. 
  • Efficacy of the protections against electrical contacts.
  • Compliance of the components with the environmental conditions.
  • Correct use and method of protection for conductors and dimension of the protections against surges and short circuits.
  • Compliance with the regulatory prescriptions in respect of the choice of conductors.
  • Appropriate nominal voltage of the conductors.
  • Minimum section of the conductors in accordance with regulations and suitable physical dimensions of the conductions (ducts, conduits, pipes, etc.)
  • Suitability of connections.
  • Correct use of the conductor colours.
  • Accessibility of the earthing (inspection boxes, etc.).
  • Connections to the earthing that could be observed directly.

When possible, tests will also be carried out on voltage and frequency, impedance for earthing / line, current short circuits / failures, earthing resistance, and current / differential trigger times.

Our work procedure includes; visual inspection, tests (with priority to equipment that has protection for persons), and proposals / recommendations for the correction of any deficiencies found in the installation, with indication of causes, location and applicable technical solution.

Always one step ahead

One of the pillars of risk management is designing a Plan B that will respond in the best possible way in the event of an emergency and, especially, to the potential impact, from both the human and resource aspects. These are often tools for governing bodies and companies that need to provide rapid and effective solutions in the event of a crisis.

The preparation of a contingency plan involves taking decisions in advance on questions relating to the management of human and financial resources, on coordination and communication processes, knowledge on all types of responses, both technical logistical and behavioural.

The objective is to avoid confusion and disorder if an event should arise that interferes with the correct functioning of an organization and, therefore, it should be an essential part of the structure.

From MAPFRE Global Risks, we offer a full risk analysis of risks faced by companies and specific projects for our clients for cases when the Plan A does respond as expected. For the most efficient management of a contingency plan, we carry out a series of measures that optimize the results if necessary:

  • To endorse those business operations that have a higher critical index and to set up precise action plans for minimizing losses.
  • To identify potential risks that can interrupt or damage the business activity.
  • To prioritize those risks, to make the preparation of the plan more agile, efficient and balanced, since it is precisely a question of finding the perfect balance between the incidents that may never happen and being adequately prepared for them.
  • To define the needs of the business in the event of a crisis so that it can continue working, albeit on a reduced scale.
  • To identify inefficient or obsolete operations and to find ways of improving and optimizing the plan.

Our work incorporates aspects such as:

  • Evaluation of the risk.
  • Establishing work scenarios.
  • Plans for operation in a crisis situation and to recover normality.
  • Definition of equipment, roles and procedures.
  • Internal and external communication plan.
  • Response to operational, catastrophe and environmental contingencies.

MAPFRE Global Risks offers its clients the key aspects and the necessary investment in time and resources to adopt a proactive attitude toward possible incidents that any business can suffer, minimizing their effects. We can also provide the assistance necessary for a prompt and effective recovery should the risks materialize.

Supervising the correct progress

This service is appropriate especially for construction works of long duration and involving large resources and for those where possible delays / deviations in execution could affect the ALOP (Advanced Loss of Profits) coverage. This control makes it possible to have knowledge on the actual situation regarding the execution conditions and work progress, with special attention to:

  • The degree of compliance with the Works Chronogram established in the Project and included in the insurance policy as an obligatory reference.
  • General Safety Conditions at the works in its different phases, as observed during the inspection visits.

Each of the visits to the works includes the following:

  • Meeting with the Works Management to discuss general aspects and to obtain, first hand, information on the general progress of the works, problems that have arisen, decisions adopted and modifications to the initial planning, etc.
  • Checks in-situ on the status of representative or particular stages (main milestones identified in the works chronogram).
  • A digital photographic report on the most significant aspects encountered.

The regularity of visits depends on the type, duration and main milestones defined in the project and they are advisable, at least, once a quarter.

The use of this service for long duration works enables the Principal to operate cautiously and to obtain margin for manoeuvre that will allow for taking early decisions on possible correctional measures. Such actions can, in general, represent important economic savings as opposed to no reaction due to ignorance.