Escape of Water: Why It’s the Most Expensive Office Block Claim
Introduction
If you manage, own, or insure an office block, you’ve probably heard the phrase “escape of water” used like a warning label. It sounds simple—w…
Office fires are rarer than they used to be, but when they happen the impact can be severe: injuries, business interruption, data loss, reputational damage, and regulatory scrutiny. The good news is that most office fires are preventable.
In the UK, fire safety is governed primarily by the Regulatory Reform (Fire Safety) Order 2005 (and equivalent legislation in Scotland and Northern Ireland). In plain English: a “responsible person” must assess fire risk, put proportionate controls in place, maintain them, and train staff.
This guide breaks down the most common fire hazards found in UK office buildings, why they’re risky, and what good control looks like in practice.
Electrical issues remain one of the leading causes of fires in commercial premises. In offices, the risk often comes from everyday habits rather than dramatic failures.
Overloaded extension leads and multi-plug adapters (“daisy chaining”)
Damaged cables (crushed under chair wheels, trapped under desks)
Loose plugs, hot transformers, and worn sockets
Portable heaters plugged into extension leads
Poorly maintained fixed wiring
Overloading causes heat build-up. Heat plus insulation breakdown can lead to arcing, ignition, and rapid fire spread—especially where cables run through voids or under raised floors.
Ban daisy chaining and set clear rules for extension lead use
Use fused extension leads with surge protection where appropriate
Arrange periodic fixed wiring inspections (EICR) by a competent electrician
Implement Portable Appliance Testing (PAT) based on risk, not habit
Replace damaged leads immediately; don’t “tape and hope”
Keep electrical intakes, risers, and server rooms tidy and ventilated
Portable heaters are a common “quick fix” in draughty offices, but they can be a major ignition source.
Fan heaters placed under desks near paper bins
Heaters too close to curtains, upholstered chairs, or coats
Heaters left on overnight
Kitchen appliances (toasters, microwaves) used incorrectly or left unattended
Prefer building-level heating fixes over personal heaters
If heaters are allowed, specify approved types (tip-over cut-out, thermostatic control)
Enforce clearance zones around heaters (e.g., 1 metre where feasible)
Switch-off checks at end of day (security or floor wardens)
Keep kitchen appliances clean and maintained
Offices contain plenty of fuel: paper, packaging, furniture, and waste. Poor housekeeping turns small incidents into big ones.
Paper stored against electrical equipment or heaters
Waste bins overflowing, especially with shredded paper
Cardboard and packaging stored in corridors or plant rooms
Stockpiles of archived files in cupboards without ventilation
Keep escape routes and stairwells clear at all times
Use metal bins for high-volume paper waste where appropriate
Remove waste daily; increase frequency during busy periods
Store archives in designated areas away from ignition sources
Keep plant rooms and electrical cupboards free of storage
Even where there’s no full canteen, small kitchenettes can be a hotspot.
Toasters and grills with crumb build-up
Microwaves used with unsuitable containers
Portable cooking devices brought in by staff
Tea towels, paper towels, and packaging near hot surfaces
Set rules: approved appliances only, no personal hot plates
Clean toasters and microwaves routinely (assign ownership)
Keep combustibles away from heat sources
Provide suitable fire blankets/extinguishers where risk justifies it
Ensure extraction/ventilation is adequate in larger kitchens
While indoor smoking is banned, smoking areas and entrances can still create risk.
Cigarette ends disposed into general waste
Smoking near combustible external cladding, bins, or stored pallets
Staff vaping in hidden corners or toilets
Provide a designated smoking area away from doors, bins, and combustibles
Use safe, fire-resistant cigarette bins and empty them safely
Enforce no-smoking/no-vaping policy inside the building
Keep external waste storage secure and away from the building line
Modern offices run on IT. Concentrated equipment and batteries can increase fire load and introduce specific ignition risks.
Overheating laptops, docking stations, and chargers
Poor ventilation around printers and photocopiers
Server rooms with blocked airflow or dust build-up
Lithium-ion batteries (laptops, power banks, e-bikes/scooters) charging unsafely
Keep vents clear; don’t store paper against equipment
Maintain printers/copiers and keep them away from combustible storage
Use dedicated, ventilated comms/server rooms with access control
Implement a safe battery charging policy (approved chargers, no overnight charging where possible)
Consider fire detection appropriate to server rooms and critical areas
Many serious fires start during maintenance: roofing, welding, cutting, soldering, or even using blowtorches for plumbing.
Contractors working without a permit-to-work
No fire watch after hot works
Combustibles left nearby (dust, insulation, packaging)
Use a hot works permit system with clear sign-off
Require contractors to provide RAMS (risk assessments and method statements)
Clear combustibles and protect surfaces before work starts
Maintain a fire watch during and after hot works (often 60 minutes or more, depending on risk)
Verify contractor competence and insurance
Fire doors and compartmentation are designed to slow fire and smoke spread. They only work if they’re not interfered with.
Fire doors wedged open for convenience
Damaged door closers or missing intumescent strips
Cable penetrations through walls/ceilings not fire-stopped
Propped open riser cupboard doors
Educate staff: wedging fire doors can put lives at risk
Use compliant hold-open devices linked to the fire alarm where needed
Inspect fire doors routinely (including seals, closers, latches)
Ensure any building works include proper fire stopping
Keep risers and service cupboards locked and tidy
Even with good prevention, early detection and safe evacuation are essential.
Disabled detectors due to false alarms
Poor detector placement after office reconfigurations
Fire alarm not tested or maintained
Emergency lights not tested or batteries failing
Maintain fire alarm systems to relevant British Standards
Test alarms routinely and log results
Review detector coverage after layout changes
Maintain emergency lighting and conduct periodic full-duration tests
Train staff on alarm response and evacuation procedures
Most offices have small amounts of flammable liquids: aerosols, solvents, cleaning products, and sometimes printing supplies.
Aerosols stored near heat sources
Cleaning chemicals stored in random cupboards
Large quantities of alcohol-based hand sanitiser stored improperly
Store chemicals in appropriate cupboards, away from ignition sources
Keep quantities to a sensible minimum
Follow COSHH assessments and supplier guidance
Ensure lids are secure and containers are in good condition
External fires can spread into buildings through doors, windows, or cladding, especially if waste is stored against the building.
Wheelie bins stored under canopies or next to exits
Pallets and packaging stored near the building
Poor lighting and unsecured rear entrances
Store bins and combustibles away from the building (and secure them)
Improve lighting and CCTV where risk justifies it
Keep external doors secure and close properly
Consider arson risk in your fire risk assessment
A well-designed system fails quickly if people don’t understand it.
Staff unaware of escape routes or assembly points
Fire wardens not trained or not enough wardens for occupancy
Poor induction for new starters and contractors
Fire drills not carried out or not reviewed
Provide fire safety training at induction and refresh periodically
Appoint fire wardens/marshals and train them properly
Run drills and capture learning (blocked routes, slow evacuation, confusion)
Make responsibilities clear: who checks kitchens, who closes doors, who calls the fire service
Keep electrics safe: no overloading, maintain wiring, manage PAT
Control heat sources: heaters, kitchens, and appliances
Improve housekeeping: manage waste and storage
Protect compartmentation: fire doors, risers, fire stopping
Manage contractors: hot works permits and fire watch
Maintain systems: alarms, detectors, emergency lighting
Train people: induction, refreshers, drills
Reduce external risk: bins away from the building, security
The most common fire hazards in UK office buildings are usually the simplest: overloaded electrics, portable heaters, poor housekeeping, kitchen risks, and compromised fire doors. The strongest fire safety programmes don’t rely on luck—they rely on routine: clear rules, regular checks, competent maintenance, and staff who know what to do.
If you’re responsible for an office, treat your fire risk assessment as a living document. Update it when you change layouts, bring in new equipment, take on contractors, or notice repeated near-misses. Small improvements made consistently are what prevent the big incidents.
Electrical faults and misuse (overloaded sockets, damaged leads, poor maintenance) are among the most common causes, alongside heat-producing appliances and poor housekeeping.
They can be, but they should be controlled. Many businesses restrict or ban them due to ignition risk. If permitted, use approved models and keep clear space around them.
There’s no single fixed interval in law, but it should be reviewed regularly and whenever there are significant changes (layout, occupancy, processes, contractors, or after an incident/near miss).
Not always by name, but you do need adequate arrangements for evacuation. Fire wardens/marshals are a common, practical way to manage this.
Stop the practice. If doors need to be open for accessibility or workflow, use compliant hold-open devices connected to the fire alarm, and maintain them.
Ideally away from the building and secured, so a bin fire (accidental or deliberate) can’t spread to the premises.
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