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Infrared Thermography

Risk Management Services

Infared Thermography

Saving Energy and Avoiding Losses

What is Infrared Thermography?Everything with a temperature above absolute zero releases thermal or infrared (IR) energy. The higher an object’s temperature, the greater the IR radiation it emits. The light created by infrared energy is invisible to the human eye, while IR thermography cameras are able to capture the light and delineate between hotter and cooler areas, even when the source is hidden behind drywall or other materials.

What is involved with Infrared Thermography Surveillance? Handheld and/or fixed mounted infrared cameras are used to take images of both electrical installations and mechanical equipment. From the images or thermographs obtained, suitably trained engineers can determine the operating conditions of electrical and mechanical equipment.

These infrared results can be compared to historical operating temperatures, or readings of similar equipment. It can then be determined if a fault exists, or is developing with significant temperature rises. The surveillance results facilitate early discovery of potential issues allowing for further investigation and early intervention.

This image shows a typical electrical circuit breaker box. Nothing appears to be wrong when observed with the naked eye.

Here is a thermal scan of the breaker box.

Why Use Infrared Thermography?

• Detecting abnormal temperatures of mechanical and electrical system and scheduling downtime for repairs as part of a planned preventative maintenance programme. This can help prevent fires and eliminate any disruption to production.

• The imaging of live equipment may be carried out at a safe distance, enabling precise non-contact temperature measurement without the need for scaffolding access.

• It can be carried out without interrupting the use of plant and equipment.

• Energy is saved by identifying inefficient machinery or breaches in thermal seals/insulation, such as oven doors or cold room wall panel joints.

• For electrical installations, it can complement testing of fixed wiring installations in accordance with the recommendations of BS 7671 – (Requirements for electrical installations).

The financial benefitsA large sample of 4,610 IR surveys were completed over a 4 year timeframe in USA at CNA insured locations with a total insured value of $93 billion. From these surveys 32,751 faults were identified (about 8 per IR survey). The savings identified included:

• $31,720,500 electrical repair costs

• $56,467,500 electrical fire risk

• $3,482,015 energy savings

• $15,644,425 business interruption downtime savings

These savings total in excess of $107 million. It is estimated that 90% of these savings are realised by the client and 10% by CNA Hardy as insurers.

Who can carry out Infrared Thermography Surveillance?IR Thermography Surveillance can be completed by the insured’s own electrical engineers or as a contracted service package. The persons carrying out the surveillance should be trained and certified to at least level 1 BS EN ISO 9712:2012 (Non-destructive testing – Qualification and certification of NDT personnel. General principles). The American equivalent ANSI/ASNT CP-105 and CP-189 (Standard topical outlines for qualification of non-destructive testing personnel), is also acceptable. Highly technical or higher value items require a level 2 certified engineer. Further information can be found via UK Thermography Association www.ukta.org and British Institute of Non Destructive Testing (BINDT) www.bindt.org.

Risk prevention not reductionThermographic Surveillance is a service targeting risk eradication rather than focusing on controlling the impact of property loss by using fire protection systems (such as sprinklers). Thermographic Surveillance not only prevents loss but also saves money through efficient use of equipment.

A thermal imaging scan increases confidence in equipment, reduces energy costs and the chance of fire loss, and helps avoid breakdowns and business interruption losses.

Infrared testing of electrical equipment identifying undue “hot spots” is the best way to detect potential overloads, poor connections, faulty contacts, and other deficiencies – any of which could cause a fire.

Section 21.17.5 of NFPA 70B-2006 edition (Standard for Electrical Safety in the Workplace) recommends that building owners complete IR surveys annually.

Business critical or heavy workload items should be surveyed every six months as part of a planned preventative maintenance programme.

Further Guidance:BS 7671 – (Requirements for electrical installations).

UK Thermography Association www.ukta.org and British Institute of Non Destructive Testing (BINDT) www.bindt.org.

Section 21.17.5 of NFPA 70B-2006 edition (Standard for Electrical Safety in the Workplace)

BS EN ISO 9712:2012 Non-destructive testing. Qualification and certification of NDT personnel

ANSI/ASNT CP-105/CP-189 Standard topical outlines for qualification of non-destructive testing personnel

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CNA Hardy – Dedicated to Risk Management ServicesOur Risk Management Services offering is aligned to the same four principles which drive our Winning Proposition: we offer more than just a policy - we deliver distinctive insurance solutions and we promise a superior customer service.

• People

• Supported by a team of over 300 risk management specialists globally.

• Our European Team are NEBOSH and UL Recognised Risk Engineers certified with specialist qualifications in the areas they assess.

• Product and service

• Our Risk Management Consultants arrange site visits to advise on the complex range of risks facing all businesses – from manufacturing & construction to healthcare providers.

• Partnership

• We build collaborative relationships to compliment your existing resources to help you manage and identify risk across your business.

• Proven Track Record

• Our expertise allows us to identify and manage risks economically in order to protect lives, assets and profitability.

About CNA HardyCNA Hardy is a leading specialist commercial insurance provider for clients within the Lloyd’s and company markets. We are part of CNA Financial Corp, one of the largest U.S. commercial property and casualty insurance companies. Established in 1897, CNA has approximately 7,000 employees, serving businesses and professionals in the U.S., Canada, Europe and Asia.

20 Fenchurch Street London EC3M 3BY United Kingdom Tel +44 (0)20 7743 6800

The information contained in this document does not represent a complete analysis of the topics presented and is provided for information purposes only. It is not intended as legal advice and no responsibility can be accepted by CNA Hardy for any reliance placed upon it. Legal advice should always be obtained before applying any information to the particular circumstances.Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured.All products may not be available in all countries.CNA Hardy is a trading name of CNA Insurance Company Limited (“CICL”, company registration number 950) and/or Hardy (Underwriting Agencies) Limited (“HUAL”, company registration number 1264271) and/or CNA Services (UK) Limited (“CNASL”, company registration number 8836589) and/or CNA Hardy International Services Limited (“CHISL”, company registration number 9849484) and/or CNA Insurance Company (Europe) S.A., UK Branch (“CICE UK”, company registration number FC035780). CICL, HUAL and CICE UK are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference numbers 202777, 204843 and 822283 respectively). The above entities are all registered in England with their registered office at 20 Fenchurch Street, London, EC3M 3BY. VAT number 667557779.

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