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Fundamentals of Insurance III

Name: Fundamentals of Insurance III
Rating: 4.2 (399 reviews)

FOI III: Fire and Allied Perils (FAP) — Advanced Property Risk and Underwriting Practice

Created byBassel Zeidan

Last updated 9/2026

English

English [Auto],

What you'll learn

1. Define the scope of a commercial-property risk assessment and distinguish it from a statutory fire-safety assessment.
2. Gather underwriting information relating to property type, construction, occupancy, contents, stock, processes, fire load, utilities, and loss history.
3. Assess the quality and completeness of a property proposal form.
Insurance surveyors and risk-engineering trainees
4. Identify when additional documents, photographs, plans, certificates, maintenance records, or a site survey are required.
5. Evaluate common construction and occupancy factors that may influence fire spread and loss severity.
6. Review basic evidence relating to detection, alarm, sprinkler, extinguishing, access, and emergency-response arrangements.
7. Differentiate named-perils cover from broader property all-risks structures while recognizing that coverage depends on wording, exclusions, and endorsements.
8. Compare deductible options and explain their impact on claims and risk retention.
9. Prioritize property-risk improvements by urgency, impact, feasibility, and underwriting relevance.
10. Prepare a concise survey report or underwriting referral with a reasoned recommendation.
11. Troubleshoot cases with incomplete information, contradictory statements, weak controls, and uncertain evidence.
12. Communicate recommendations professionally to underwriters, brokers, clients, or risk managers.

Course content

10 sections • 55 lectures • 7h 28m total length

3.1.1 What Makes Property Risk Assessment an Advanced Skill?5:57
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
3.1.2 Boundaries Insurance Survey, Underwriting Review, and Specialist Advice7:44
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
3.1.3 Series Case File The Warehouse and Light-Manufacturing Site7:25
By the end of this lecture, the learner will be able to extract the known facts, assumptions, and initial questions from the case file.

3.2.1 The Property Underwriter’s Information Checklist10:43
By the end of this lecture, the learner will be able to collect the core information needed for an initial underwriting assessment.
3.2.2 Buildings, Contents, Stock, Machinery, and Values at Risk9:58
By the end of this lecture, the learner will be able to separate buildings, contents, stock, machinery, and other values at risk.
3.2.3 Location, Surroundings, and External Exposures7:48
By the end of this lecture, the learner will be able to identify surrounding exposures, access issues, and location-related follow-up questions.
3.2.4 Loss History, Maintenance Records, and Management Information7:38
By the end of this lecture, the learner will be able to identify loss-history, maintenance, and management records required for review.
3.2.5 Auditing a Property Proposal Form11:03
By the end of this lecture, the learner will be able to complete, audit, and escalate incomplete or ambiguous fields.
3.2.6 Workshop Build the Property Information Gap Register10:32
By the end of this lecture, the learner will be able to complete a structured workplace task and compare the output with a model framework.
3.2.7 Module Review and Scenario Quiz6:23
By the end of this lecture, the learner will be able to answer scenario-based questions and identify any areas requiring revision.

3.3.1 Why Construction Details Change the Risk Profile6:22
By the end of this lecture, the learner will be able to identify construction questions that influence property-risk assessment.
3.3.2 RCC, Masonry, Steel, Timber, and Mixed Construction6:54
By the end of this lecture, the learner will be able to identify material and structural questions requiring evidence or referral.
3.3.3 ACP and Cladding Systems Ask Better Questions5:56
By the end of this lecture, the learner will be able to identify cladding-system questions and document requirements.
3.3.4 Sandwich Panels and Combustible-Core Concerns5:41
By the end of this lecture, the learner will be able to identify panel-related concerns and follow-up evidence.
3.3.5 Roofs, Floors, Voids, Openings, and Vertical Fire Spread5:42
By the end of this lecture, the learner will be able to identify openings, voids, and vertical or horizontal spread concerns.
3.3.6 Compartmentation, Fire Doors, and Penetrations5:57
By the end of this lecture, the learner will be able to identify compartmentation observations and referral points.
3.3.7 Workshop Compare Three Property Construction Profiles6:39
By the end of this lecture, the learner will be able to complete a structured workplace task and compare the output with a model framework.
3.3.8 Module Review and Scenario Quiz5:29
By the end of this lecture, the learner will be able to answer scenario-based questions and identify any areas requiring revision.

3.4.1 Occupancy What Is the Building Actually Used For?9:25
By the end of this lecture, the learner will be able to describe the occupancy and identify materially relevant activities.
3.4.2 Stock, Storage Configuration, and Fire Load12:33
By the end of this lecture, the learner will be able to record storage features and identify concerns requiring review.
3.4.3 Ignition Sources, Utilities, and Hot Work11:12
By the end of this lecture, the learner will be able to record ignition sources, hot-work controls, and utility evidence.
3.4.4 Manufacturing Processes and Special Hazards10:23
By the end of this lecture, the learner will be able to map processes and escalate specialist questions appropriately.
3.4.5 Housekeeping, Waste, and Maintenance Discipline9:55
By the end of this lecture, the learner will be able to identify housekeeping, waste, and maintenance concerns.
3.4.6 Business Interruption Dependencies and Concentration Risk11:01
By the end of this lecture, the learner will be able to identify dependencies and concentration risks that affect interruption exposure.
3.4.7 Workshop Identify the Highest-Priority Occupancy Concerns6:25
By the end of this lecture, the learner will be able to describe the occupancy and identify materially relevant activities.
3.4.8 Module Review and Scenario Quiz6:12
By the end of this lecture, the learner will be able to answer scenario-based questions and identify any areas requiring revision.

3.5.1 Protection Strategy Detection, Containment, Suppression, and Respo8:05
By the end of this lecture, the learner will be able to explain how detection, containment, suppression, and response work together.
3.5.2 Smoke and Heat Detection Systems8:26
By the end of this lecture, the learner will be able to identify what must be verified about detection systems.
3.5.3 Alarm Systems, Monitoring, and Notification6:55
By the end of this lecture, the learner will be able to identify alarm-system evidence and follow-up questions.
3.5.4 Portable Extinguishers and First-Aid Firefighting Equipment6:41
By the end of this lecture, the learner will be able to identify equipment and maintenance evidence without encouraging unsafe action.
3.5.5 Sprinkler Systems What an Insurance Professional Should Verify8:54
By the end of this lecture, the learner will be able to identify what must be verified about design context, coverage, maintenance, and impairment.
3.5.6 Water Supply, Pumps, Hydrants, and Fire-Service Access6:51
By the end of this lecture, the learner will be able to identify water-supply, pump, hydrant, and access evidence.
3.5.7 Maintenance, Testing, Impairments, and Evidence7:53
By the end of this lecture, the learner will be able to distinguish installed equipment from verified, maintained protection.
3.5.8 Emergency Planning, Training, and Response Readiness7:19
By the end of this lecture, the learner will be able to identify training, escalation, and emergency-response evidence.
3.5.9 Workshop Review a Protection-System Evidence Pack_1080p5:38
By the end of this lecture, the learner will be able to complete a structured workplace task and compare the output with a model framework.

3.6.1 When a Survey Is Required7:31
By the end of this lecture, the learner will be able to identify survey triggers and the required next step.
3.6.2 Pre-Survey Preparation and Document Requests7:07
By the end of this lecture, the learner will be able to request documents and prioritize inspection questions before the visit.
3.6.3 Planning the Inspection Route7:07
By the end of this lecture, the learner will be able to plan an inspection route that captures the most important evidence efficiently.
3.6.4 Observation, Photography, Notes, and Evidence Quality8:32
By the end of this lecture, the learner will be able to capture notes, photographs, and observations in a defensible format.
3.6.5 Turning Findings into Risk Improvements8:22
By the end of this lecture, the learner will be able to write specific, evidence-based risk-improvement actions.
3.6.6 Prioritizing Recommendations by Urgency and Impact8:09
By the end of this lecture, the learner will be able to rank recommendations by impact, urgency, and feasibility.
3.6.7 Writing a Clear Survey Report and Referral Note8:18
By the end of this lecture, the learner will be able to write a referral note with facts, gaps, concerns, and the requested decision.

3.7.1 Fire and Allied Perils Named-Perils Logic10:37
By the end of this lecture, the learner will be able to identify the need to review covered perils, exclusions, conditions, and endorsements.
3.7.2 Property All Risks Broader Cover, Exclusions, and Conditions9:32
By the end of this lecture, the learner will be able to compare broader-cover structures with named-perils structures.
3.7.3 Comparing Cover Structures Without Overpromising8:29
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.
3.7.4 Extensions Alternative Accommodation, Loss of Rent, and Other Exam9:45
By the end of this lecture, the learner will be able to identify extension questions and wording-dependent limits.
3.7.5 Fixed, Percentage, Minimum, and Time-Based Deductible Structures10:31
By the end of this lecture, the learner will be able to calculate and explain several deductible outcomes.
3.7.6 Workshop Compare Deductible Options11:49
By the end of this lecture, the learner will be able to complete a structured workplace task and compare the output with a model framework.

3.8.1 Case Triage Incomplete or Contradictory Information8:31
By the end of this lecture, the learner will be able to separate facts, assumptions, contradictions, and follow-up questions.
3.8.2 Weak Controls Improve, Condition, Refer, or Decline?8:53
By the end of this lecture, the learner will be able to recommend improvement, condition, evidence request, referral, or decline within authority limits.
3.8.3 Before-and-After Risk Profile Comparison7:19
By the end of this lecture, the learner will be able to compare initial and improved risk assessments.
3.8.4 Expert Commentary How Professionals Defend a Recommendation6:50
By the end of this lecture, the learner will be able to present a concise, evidence-based rationale.

3.9.1 Capstone Brief Property Risk Survey and Underwriting Recommendation Pack7:16
By the end of this lecture, the learner will be able to complete the relevant capstone component using the supplied rubric.
3.9.2 Capstone Walkthrough and Model-Answer Framework8:26
By the end of this lecture, the learner will be able to complete the relevant capstone component using the supplied rubric.
3.9.3 Final Readiness Check and Series Completion7:46
By the end of this lecture, the learner will be able to apply the concept to a short scenario and identify the correct professional action.

Requirements

Learners should be able to: • explain insurance, peril, hazard, deductible, policy limit, and proposal form; • distinguish risk identification, assessment, and control; • understand basic property cover categories; • identify missing information in a simple fact-find; • explain the roles of an underwriter, surveyor, broker, and client; • prepare a basic referral note; • work through simple percentage calculations.

Description

Course Title: FOI 3: Fire and Allied Perils (FAP) — Advanced Property Risk and Underwriting Practice

This course contains the use of artificial intelligence. Selected instructional visuals are AI-assisted.

FOI 3: Fire and Allied Perils develops the structured judgment needed to review commercial property risks and support underwriting decisions. Using a recurring warehouse and light-manufacturing case, this advanced, practice-focused course takes you through property fact-finding, proposal-form auditing, construction and occupancy analysis, fire-protection evidence, insurance survey preparation, risk-improvement recommendations, and underwriting referral.

The course also connects property-risk findings to coverage decisions. You will compare Fire and Allied Perils with Property All Risks structures, examine wording-dependent extensions, calculate different deductible structures, and practise responding to incomplete information and weak controls within appropriate authority and referral boundaries.

What You Will Learn

Build a disciplined property-risk review process using checklists, case studies, document demonstrations, workshops, and scenario assessments. Examine buildings, contents, stock, machinery, construction materials, compartmentation, fire load, processes, housekeeping, protection systems, maintenance, emergency readiness, and business-interruption dependencies. Turn observations into clear survey findings, prioritised risk improvements, referral notes, and underwriting recommendations.

What you’ll learn

Explain the property-risk review workflow and distinguish insurance surveys, underwriting reviews, and specialist or statutory assessments.
Collect and organise property information covering values at risk, location, surroundings, construction, occupancy, loss history, maintenance, and management controls.
Audit a property proposal form, identify missing or contradictory information, and request the evidence needed for further assessment.
Assess construction features—including RCC, masonry, steel, timber, cladding, sandwich panels, openings, voids, and compartmentation—and identify referral points.
Evaluate occupancy, stock and storage, fire load, ignition sources, hot work, manufacturing processes, housekeeping, dependencies, and concentration risk.
Review evidence relating to detection, alarms, extinguishers, sprinklers, water supplies, pumps, hydrants, maintenance, impairments, access, and emergency readiness.
Prepare for a property survey, plan an inspection route, and record photographs, notes, observations, and evidence in a defensible format.
Write clear survey findings, prioritise risk-improvement recommendations, and prepare an evidence-based underwriting referral.
Compare Fire and Allied Perils with Property All Risks cover by reviewing covered perils, exclusions, conditions, endorsements, extensions, and wording limitations.
Calculate fixed, percentage, minimum, and time-based deductible outcomes, troubleshoot difficult risks, and prepare a Property Risk Survey and Underwriting Recommendation Pack.

Who This Course Is For

Ideal for early-career property underwriters, aspiring underwriters, insurance brokers and account handlers, insurance survey and risk-control support personnel, claims professionals, and learners seeking practical commercial property-risk skills.

This is an advanced course within the FOI pathway. Completion of FOI 1 and FOI 2—or equivalent knowledge of insurance principles, policy documents, fact-finding, and referral workflows—is recommended.

Your Instructor

Bassel Zeidan is a General Insurance Specialist with over 15 years of experience in Dubai-based insurance companies and a decade of coaching and training. A member of the Chartered Insurance Institute and a certified insurance professional, he brings practical industry insights to the lessons.

Develop the evidence-based judgment needed to examine property risks, communicate concerns clearly, and support responsible underwriting decisions.

This course develops insurance risk-assessment and underwriting skills. It does not provide fire-engineering certification or replace statutory fire-risk assessments or advice from competent specialists.

Who this course is for:

Learners who completed FOI 1 and FOI 2
Junior property underwriters
Underwriting assistants preparing for greater responsibility
Insurance surveyors and risk-engineering trainees
Commercial-lines brokers and account handlers
Claims personnel handling property losses
Risk managers working with property exposures
Experienced practitioners

Fundamentals of Insurance III

What you'll learn

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Course content

Module 1: Advanced Property Practice Orientation3 lectures • 21min

Module 2: Property Fact-Finding and Proposal Audit7 lectures • 1hr 4min

Module 3: Construction, Compartmentation, and Fire Spread8 lectures • 49min

Module 4: Occupancy, Fire Load, Processes, and Housekeeping8 lectures • 1hr 17min

Module 5: Fire Protection and Emergency Readiness9 lectures • 1hr 7min

Module 6: Surveyor–Underwriter Workflow7 lectures • 55min

Module 7: Coverage Structure, Extensions, and Deductibles6 lectures • 1hr 1min

Module 8: Troubleshooting and Optimization4 lectures • 32min

Module 9: Advanced Capstone and Series Completion3 lectures • 23min

FINAL EXAM0

Requirements

Description

Who this course is for: