Evaluation of the Implementation of Fire Safety Management Based on Work Breakdown Structure Affecting the Insurance Premium Costs of High-Rise Lecture Buildings

Abstract

AbstractHigh-rise buildings, especially lecture buildings, have the potential for fire hazards which can cause large losses. Fire risk is one of the factors that must be minimized in a building operation where insurance is a way of transferring the risk. However, the amount of fire insurance premiums in various insurance institutions varies greatly due to differences in the determinants of insurance premium costs. The purpose of this study is to evaluate the application of fire safety management in high-rise lecture buildings in Jakarta and determine the determinants of premium costs that are influenced by the implementation of fire safety management. This determining factor is a tool to determine the amount of the insurance company’s fire insurance premiums. This research refers to literature studies, surveys, interviews, and data obtained using a questionnaire instrument. This study uses the work breakdown structure as a tool to detail indicators that meet the fire safety management criteria and the data are analyzed using the SmartPLS 3.0 software. Based on the survey results, the data shows that the lecture buildings in Jakarta haven’t fully implemented fire safety management. In addition, there is no clear relation regarding the role of insurance in fire protection financing in lecture buildings. To address this, we propose to consider the extent to which high-rise lecture buildings implement fire safety management in determining insurance premium rates to improve the application of fire safety management in high-rise buildings, by processing the data using SmartPLS 3.0 and average analysis in order to obtain priority factors in fire safety management which can be used as a determinant of realistic premium costs. As the result, the most priority factor in fire safety management which can be used as a determinant of realistic premium costs is fire prevention in lecture buildings, and the least priority factor is safety of people in the event of fire.KeywordsFire safety managementWork breakdown structureInsurance premium costsLecture buildings