Insurance Journal (1st Quarter 2019)
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Guest Contribution<br />
Cotton Ginning Factories<br />
Fire Hazards and Safety<br />
(Safety - Part-4)<br />
Qayyum Pervez Malik<br />
<strong>Insurance</strong> Surveyor & Loss Adjuster /<br />
Claims Investigator<br />
Qayyum Pervez Malik & Co. (Pvt) Ltd<br />
T h i s a r t i c l e i s p r e s e n t e d i n<br />
continuation of the last article in this<br />
subject which addressed the issue of<br />
fire hazards of cotton ginning &<br />
pressing factories whereas this article<br />
would address the safety aspects<br />
against physical and exposure<br />
hazards with reference to cotton<br />
ginning & pressing factories<br />
warranties etc.<br />
The fire policies are made subjected<br />
to application of cotton ginning and<br />
pressing factories warranties form<br />
which provides a comprehensive<br />
guideline for taking appropriate<br />
safety measures against fire and other<br />
hazards as usually involved in any<br />
cotton ginning and pressing factory.<br />
The detail of these warranties have<br />
been described in the previous articles<br />
on the same subject which may be<br />
gone through.<br />
Here we would address the issue of<br />
safety measures to be taken while<br />
running business of cotton ginning<br />
and pressing.<br />
SAFETY MEASURES (Against<br />
physical hazards)<br />
HOUSEKEEPING<br />
Though no comprehensive guideline<br />
is available in cotton ginning and<br />
pressing factories warranties form as<br />
issued by <strong>Insurance</strong> association of<br />
Pakistan but generally speaking the<br />
guideline is there to follow through<br />
other sources. Factory owners,<br />
mortgage bankers also have idea what<br />
to do for safety and they take care of<br />
this. It is just required to streamline<br />
and update the safety measures to<br />
bring it in line with the modern era<br />
requirements and facilities available<br />
in the market.<br />
A systematic guideline is given below<br />
to keep the premises risk free by<br />
following the safety measures for<br />
better housekeeping.<br />
BOUNDARY WALL<br />
No hanging electric wires, cables,<br />
bulbs, switches, tube lights, switch<br />
boards, rugs and any hazardous<br />
material should be placed with the<br />
b o u n d a r y w a l l . E v e r y s u c h<br />
installation should be properly fitted.<br />
No loose joints, no faulty switches or<br />
other electrical items must be there.<br />
No stocks or other material should be<br />
stored adjacent to the boundary wall.<br />
A clear passage should be left<br />
alongside the boundary wall for<br />
movement of vehicles, pedestrians<br />
and fire brigade vehicles etc.<br />
Proper entry and exit gates must be<br />
fixed without presence of any<br />
encroachment to ensure the entry and<br />
exit fully uninterrupted. Proper notice<br />
boards regarding warranties, no<br />
smoking, emergency phone numbers,<br />
installation of spark arrestors etc. are<br />
to be provided there. Emergency<br />
alarm/siren may also be provided at<br />
main gates.<br />
<strong>Insurance</strong> <strong>Journal</strong> January, February, March <strong>2019</strong><br />
15<br />
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