Polyurethane (PU) foam has a high flammability and is widely used in aircraft interiors, presenting a significant danger to occupants. This study analysed three composite intumescent flame-retardant (IFR) coatings for flexible PU foam; expandable graphite (EG), ammonium polyphosphate (APP) and alginate (AG). The coatings were prepared in concentrations of 5 wt%, 10 wt%, and 50 wt% with an acrylic binder. The coated samples were characterised using cone calorimetry, SEM, and mechanical testing. The findings showed peak heat release rate, total heat release, and carbon dioxide production from the 10 wt% triple-layer coating (EG:APP:AG) was 52%, 32%, and 58% less than the PU control. The char of the 10 wt% triple-layer sample effectively suppressed smoke release and inhibited the transfer of fuel and gas volatiles. Mechanical testing demonstrated a 3.4 times increase in tensile strength and a 15.4 times increase in compressive strength (50% compression) compared to the control PU with the 10 wt% triple-layer coating. A fire dynamics simulator model was developed that demonstrated large-scale flammability modelling for commercial aircraft. Future work can explore the integration of IFR coatings into computational analysis. These new bio-based coatings produced promising results for aircraft fire safety and flammability performance for PU polymers.