Below is a list of the typical types of plant that you might expect to find at the
Hot Water Heating/Supply Systems
Window Cleaning Equipment
General Electrical/Mechanical Plant e.g. Motors, Pumps
Electrical Installations e.g. Fixed Wiring
The following is an extract from HSB Equipment Connection (c) Copyright 1997,
The Hartford Steam Boiler Inspection and Insurance Company. All Rights Reserved.
Office Buildings (Owner, Not Tenant)
This occupancy is intended for Owners only who lease space to non-manufacturing
occupancies. These locations are typically multistory buildings used to carry on
general business, professional activities, and customer services.
Tenants may include various offices, marketing operations, restaurants, or other
non-manufacturing occupancies. Vehicle garages may be incorporated within the building.
Exposures will generally be found in electrical power supply and distribution, heating,
ventilation and air conditioning, and transport systems (elevators and escalators).
Note: This Occupancy does not include locations with leases to tenants who carry
out production and/or manufacturing facilities.
Critical Equipment Exposures
Boilers / Pressure Vessels: Boilers providing steam and hot water should be normally
of a standard type and accessible for repairs / replacement in basement or ground
floor machinery rooms. Upper floor machinery rooms are acceptable so long as elevator
size and capacity allows for replacement of the units.
In some cases in larger urban areas, in lieu of heating boilers, the insured may
obtain a steam supply through pipes from an outside vendor located in a building
remote from building in question. If that is the case, exposure is proportionately
Air Conditioning, And Ventilation: Central air conditioning (AC) systems or units
are used to supply chilled water to the various floors. The size of the air conditioning
equipment necessary can be roughly calculated using one ton per 300 Sq. Ft. of floor
space. There should be sufficient installed spare capacity to minimize business
interruption exposure. Rooftop units and upper floor machinery rooms are acceptable
as long as elevator size and capacity allows for replacement of the units. Cooling
towers located on Rooftops can pose additional exposure for repair / replacement.
All upper floor equipment poses the possibility of water damage. If steam turbines
are used to drive A/C compressors, exposures are significantly elevated.
In some cases, in larger urban areas, in lieu of A/C systems, the insured may obtain
chilled water supply for cooling through pipes from an outside vendor located in
a building remote from building in question. If that is the case, exposure is proportionately
Electrical Power Supply & Distribution: The building owner is almost always responsible
for the incoming power supply and the distribution substations. Larger buildings
may have large incoming transformers, and newer buildings may have sophisticated
power quality control equipment, especially if the tenants use a number of computers
or other electronic equipment.
Business Interruption: Business Interruption exposures can be substantially increased
if equipment accessibility is hindered in any way, if a single large unit is used
instead of multiple smaller units, or if there is no installed spare capacity.
Maintenance & Plant Engineering: The location should have an in-house maintenance
staff, or a contracted plant maintenance organization that functions in a similar
manner. The use of maintenance service contracts that covers both preventive and
corrective maintenance is desirable.
Cut-away sketch of typical office buildings / offices