{
  "id": "riskg-special-hazards-protection",
  "type": "risk-guideline",
  "languages": {
    "en": {
      "id": "riskg-special-hazards-protection",
      "lang": "en",
      "type": "risk-guideline",
      "title": "Special Hazard Fire Protection Concepts",
      "shortDefinition": "Special hazard fire protection concepts combine the selection and arrangement of extinguishing systems for hazards that cannot be reliably controlled by standard sprinkler protection alone, such as highly reactive materials, high-value equipment or specific process risks.",
      "synonyms": [
        "Special hazard protection",
        "Special extinguishing concept"
      ],
      "linesOfBusiness": [
        "Property"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Fire protection",
        "Risk assessment"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-gaseous-extinguishing",
          "riskg-foam-extinguishing",
          "riskg-water-mist-systems",
          "riskg-oxygen-reduction"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-business-interruption"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "FM Data Sheet 4-0 – Special Protection Systems",
        "NFPA 2001 – Standard on Clean Agent Fire Extinguishing Systems"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-01T00:00:00.000Z"
      },
      "verified": [
        {
          "by": "human:ghesse",
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      "url": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/special-hazard-fire-protection-concepts/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/risk-engineering/sonderrisiken-loeschkonzepte/",
      "body": "## Selection Criteria\n\nThe fire behaviour of the hazard being protected, potential consequential damage from the extinguishing agent itself – such as water, foam, gas or dry chemical – along with the required response time and available detection options, all shape the choice of an appropriate extinguishing concept. Available space and structural integration further narrow the realistic options.\n\n## Typical Applications\n\nClassic special hazards include turbine enclosures and transformers, paint spray booths, chemical plants, server rooms and archives, as well as process facilities with additional risks such as spark generation or dust explosion. Each of these cases requires extinguishing technology specifically matched to the hazard, going beyond standard sprinkler protection.\n\n## Insurance Relevance\n\nBecause special hazards often involve very high individual values or significant business interruption potential, risk engineers scrutinise the selected extinguishing system particularly closely to confirm it is genuinely approved and correctly sized for the specific hazard, rather than applying a standard concept unreflectively to an atypical risk."
    },
    "de": {
      "id": "riskg-special-hazards-protection",
      "lang": "de",
      "type": "risk-guideline",
      "title": "Sonderrisiken-Löschkonzepte",
      "shortDefinition": "Sonderrisiken-Löschkonzepte bündeln die Auswahl und Kombination von Löschsystemen für Gefahren, die mit Standard-Sprinklerschutz allein nicht sicher beherrscht werden können, etwa besonders reaktive Stoffe, hochwertige Anlagen oder spezielle Prozessrisiken.",
      "synonyms": [
        "Special Hazard Protection",
        "Sonderlöschkonzept"
      ],
      "linesOfBusiness": [
        "Sach"
      ],
      "jurisdictions": [
        "Global"
      ],
      "tags": [
        "Brandschutz",
        "Risikobewertung"
      ],
      "relations": {
        "relatedTerms": [
          "riskg-gaseous-extinguishing",
          "riskg-foam-extinguishing",
          "riskg-water-mist-systems",
          "riskg-oxygen-reduction"
        ],
        "partOf": [],
        "appliesTo": [
          "cov-property-all-risks",
          "cov-business-interruption"
        ],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [
        "FM Data Sheet 4-0 – Special Protection Systems",
        "NFPA 2001 – Standard on Clean Agent Fire Extinguishing Systems"
      ],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-09-01",
      "generated": {
        "by": "cursor-agent/claude-sonnet-5",
        "at": "2026-09-01T00:00:00.000Z"
      },
      "verified": [
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      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/risk-engineering/sonderrisiken-loeschkonzepte/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/risk-engineering/special-hazard-fire-protection-concepts/",
      "body": "## Auswahlkriterien\n\nDas Brandverhalten des zu schützenden Gefahrguts, mögliche Folgeschäden durch das Löschmittel selbst – etwa Wasser, Schaum, Gas oder Pulver – sowie die erforderliche Reaktionszeit und die verfügbaren Detektionsmöglichkeiten fliessen massgeblich in die Wahl des passenden Löschkonzepts ein. Auch die vorhandene Fläche und die bauliche Einbindung begrenzen die realistischen Optionen.\n\n## Typische Anwendungsfälle\n\nZu den klassischen Sonderrisiken zählen Turbinenhauben und Transformatoren, Lackieranlagen, Chemieanlagen, Serverräume und Archive sowie Prozessanlagen mit Zusatzrisiken wie Funkenbildung oder Staubexplosion. Jeder dieser Fälle erfordert eine spezifisch abgestimmte Löschtechnik, die über den Standard-Sprinklerschutz hinausgeht.\n\n## Versicherungsrelevanz\n\nDa Sonderrisiken häufig sehr hohe Einzelwerte oder ein erhebliches Betriebsunterbrechungspotenzial betreffen, prüfen Risk Engineers bei der Konzeptauswahl besonders sorgfältig, ob das gewählte Löschsystem tatsächlich für das konkrete Risiko zugelassen und korrekt bemessen ist, statt ein Standardkonzept unreflektiert auf eine untypische Gefahrenlage zu übertragen."
    }
  }
}