One of the more devastating incidents that can impact your normal operations is a fire causing damage to the property, structures or equipment. In the case of this Laval course, the smell of gasoline indicated a strong suspicion of arson. There are fire prevention measures and risk assessment plans that you can undertake in consultation with your golf club insurance broker. While it may be impossible to predict and defend against a criminal attack, there are still some ways to make it more difficult for criminals to gain access to the tools and vulnerable areas that can lead to a fire hazard.
As well, there are strict guidelines when it comes to ensuring that your club and its patrons are protected in the event of a fire. And of course, there is protection available as part of your general golf club insurance policy that can mitigate the costs of repairs and the loss of income due to an unwanted closure.
Simple Ways to Prevent Fires in the First Place
If you operate a business in Ontario, you will already be required to conduct a Fire Safety Audit. But well before you let inspectors onto your property, you should be sure to enact a regular, yearly risk assessment and prevention plan. Remember that your club and course can change from year to year and exposure risks change with it. The key things to identify, as part of your analysis should include:
- Hazards. Sources of ignition such as fuel and oxygen
- Careless hazards. This can include oil soaked rags, exposed electrical wiring, water leaking onto wiring, etc.
- People at risk. Staff or members who are likely to come in contact with flammables
- Faulty equipment. Regular tests of smoke detectors and alarm systems as well as medical equipment such as defibrillators
- Staff training. Ongoing education around fire safety and emergency procedures. Proper records should be kept to show training history as well as to prove safety compliance to insurers
Golf Club Insurance Issues to Discuss
How much access would firefighters have to a water source if one were needed? Having to bring in water trucks can delay action, which in turn poses a risk to property and people. This is an important issue to discuss with your golf club insurance provider since water access points are a major factor in damage prevention. Consider and discuss as well the access to simple fire fighting equipment such as portable extinguishers, fire blankets, kitchen fire suppression systems, etc. There may be savings available for clubs that have taken extra precautions in these areas. Other issues that are of concern during a Safety Audit can include:
- Property lines
- Security fences
- Points of entry
- Buildings and structures on site
- Outdoor storage areas
- Gas shut off valves
- Electrical facilities
Protect Against Criminal Activities as Best as Possible
Knowing where you’re vulnerable can prevent incidents. Keeping your flammable gasses and liquids under lock and key will deter a vandal. Keeping problem areas well lit will deter unwanted activity at night. Do you store expensive equipment in sheds further away from your central property? If so, they may be more at risk. Your staff can also be trained to help identify suspicious behaviour or individuals on the premises.
Work with your golf club insurance advisor in order to address all your areas of risk. Together, we can work towards a plan that aims to not only protect against losses, but also to help prevent them in the first place.