An impairment is where any action results in any part of a detection or protection system being inoperative, taken out of service or a condition in which the said system can't perform its designed safety function.
There are two impairment types: planned impairments, in order to carry out routine maintenance or modifications to the system and emergency impairments, e.g accidental damage.
Notifying us of an impairment
Where you have access to the Aviva Risk Insight Portal, please complete the impairment form in the ‘Impairment Management’ tab.
If you do not have access to the Aviva Risk Insight Portal, please complete the below Impairment Management form and send to impairments@aviva.com.
If you would like to sign up to the Aviva Risk Insight Portal to digitally manage impairments and view your risk management data, please contact your aligned Account Consultant or get in touch at avivariskinsight@aviva.com.
Examples of impairments
Automatic protection systems
Fire alarms and other detection systems
Fire pumps
Firewater tanks
Security alarm panels
What is the process for notifying Aviva of an impairment?
Via the Aviva Risk Insight Portal
Via the impairment mailbox
Why is notifying us of an impairment so important?
Managing issues
We can offer advice to help make sure appropriate measures are taken, any downtime is kept to a minimum and precautions can be managed effectively.
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Vulnerability
A site can be more vulnerable when protection / detection systems are out of service, and during any change.
Life safety
There is a life safety exposure when life safety systems are impaired.
Invalidation
Failure to notify your insurer of an impairment in a timely manner may invalidate your insurance policy as it is a material fact.
Loss Prevention Standards associated with Impairment Management
Impairment Management
It is vital that the effectiveness and continuity of detection and protection systems are maintained and that they are operable for as long as possible. Shutting any detection or protection systems off, without first taking proper precautions or leaving systems impaired longer than necessary, could be a significant loss factor.
Management of Change
Businesses can be at their most vulnerable when they are changing as part of a business strategy or responding to a crisis situation. Managing change is central to the effectiveness of risk management policies that need to be regularly tested and reviewed.
Hot Work Operations
Working with any source of ignition could cause significant damage to property or serious injuries. A hot work management system and associated permit is a formal recorded process used to help control work which is identified as potentially hazardous and forms an important part of an organisation's loss prevention strategy.
Managing Contractors
A contractor is regarded as an individual or company who undertakes work on your behalf, but is not an employee, such as builders, joiners, electricians, caterers, etc. A lack of control regarding the selection and use of contractors could lead to property damage/losses as well as accidents and injuries.
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