{"id":143610,"date":"2026-07-17T14:36:27","date_gmt":"2026-07-17T13:36:27","guid":{"rendered":"https:\/\/news.ramtechglobal.com\/?p=143610"},"modified":"2026-10-08T09:34:52","modified_gmt":"2026-10-08T08:34:52","slug":"the-system-impairment-gap-the-blind-spot-underwriting-still-cannot-see","status":"publish","type":"post","link":"https:\/\/news.ramtechglobal.com\/pl\/the-system-impairment-gap-the-blind-spot-underwriting-still-cannot-see\/","title":{"rendered":"Przerwa w p\u0142aceniu sk\u0142adki ubezpieczeniowej: system wci\u0105\u017c nie widzi niebezpiecze\u0144stw w strefie bocznej"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-199620-bg row-container\" id=\"row-unique-0\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_002.webp);background-repeat: no-repeat;background-position: center center;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-jevc-bg\" style=\"opacity: 0.4;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row exa-top-padding exa-bottom-padding single-h-padding limit-width row-parent\" data-height-ratio=\"50\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-left align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark animate_when_almost_visible alpha-anim\"  data-speed=\"600\"><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 half-internal-gutter\"><div class=\"uncol style-spec style-dark\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h6 class=\"h6 text-accent-color text-uppercase\" ><span>AKTUALNO\u015aCI<\/span><\/h6><\/div><div class=\"clear\"><\/div><\/div><div class=\"empty-space empty-double desktop-hidden\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h1 class=\"fontsize-150430 font-weight-700\" ><span>The System Impairment Gap<\/span><\/h1><\/div><div class=\"clear\"><\/div><\/div><div class=\"empty-space empty-double desktop-hidden\" ><span class=\"empty-space-inner\"><\/span><\/div>\n<div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h2 class=\"fontsize-167381 font-weight-500\" ><span>The blind spot underwriting still cannot see<\/span><\/h2><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row has-bg need-focus style-color-199620-bg row-container\" id=\"row-unique-1\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"fontsize-778167 font-weight-400\" ><span><a href=\"\/pl\/\">Strona g\u0142\u00f3wna<\/a> <span style=\"color: #e74011;\">|<\/span> <a href=\"\/pl\/news-updates\/\">Aktualno\u015bci i informacje<\/a><\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-1\" data-row=\"script-row-unique-1\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-1\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row inverted-device-order row-container\" id=\"row-unique-2\"><div class=\"row col-double-gutter triple-top-padding no-bottom-padding single-h-padding limit-width row-parent\" data-height-ratio=\"full\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-9 half-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row vc_custom_1701168877925 row-internal row-container\" style=\"padding-bottom: 50px ;\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"fontsize-858154 fontheight-191058 font-weight-500\" ><span>Marine insurers continue to record significant shipyard fire losses, with high severity maintenance, repair and operations (MRO) incidents exposing weaknesses when vessels\u2019 permanent fire detection systems are offline. Aron Wadhia, head of business development at Ramtech, argues that shipyard safety and underwriting practices need to better account for these transient exposure periods.<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>With fire and explosion accounting for <a href=\"https:\/\/www.maritimeindustries.org\/application\/files\/6817\/8349\/9420\/26_07_Allianz_commercial-safety-shipping-review-2026_.pdf\" target=\"_blank\" rel=\"noopener\">16%<\/a> of total vessel losses over the past decade and fire remaining the second largest cause of total vessel loss globally, marine insurers are continuing to absorb significant costs. Over the same period, 109 vessels have been lost to fire, while 250 fire incidents were recorded in 2024 alone &#8211; up 20% year on year and the highest total for a decade. Despite these figures, shipyards continue to be an overlooked source of exposure, even as loss ratios across marine insurance remain elevated at 70 to 80%, leaving limited margin for major fire related claims.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1701168888924 row-internal row-container\" style=\"padding-top: 50px ;padding-bottom: 50px ;\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode_text_column\" ><p>At the centre of this problem is a structural blind spot that persists across global maritime MRO and newbuild environments: the system impairment gap. This is the critical window when a vessel\u2019s permanent fire detection and suppression systems are offline during construction, repair or maintenance, while high risk hot works continue. In practice, this creates a temporary but extreme elevation in exposure that is not consistently captured by underwriting models or compliance documentation.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode_text_column\" ><p>Recent incidents across global shipyards highlight the severity of this exposure. For example, a fire at <a href=\"https:\/\/indianexpress.com\/article\/india\/2-dead-5-injured-after-explosion-at-private-shipyard-in-goa-10313266\/\" target=\"_blank\" rel=\"noopener\">Vijay Marine Shipyard<\/a> in Goa in October 2025 resulted in four fatalities during vessel construction when permanent fire protection systems were not fully operational. Additionally, shipyard fires during maintenance operations at <a href=\"https:\/\/www.imarinenews.com\/28616.html\" target=\"_blank\" rel=\"noopener\">ASL Marine\u2019s Batam yard<\/a> led to 13 fatalities and 18 injuries, marking the second major fire at the site within five months. More recently, an incident at May Ship Repair in Staten Island in May 2026 required more than 200 emergency responders, resulting in one fatality and over 30 injuries, including firefighters.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1780663708195 row-internal row-container\" style=\"padding-top: 50px ;padding-bottom: 50px ;\"><div class=\"row col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"2\"><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  img-round img-round-xl tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper img-round img-round-xl\"><img decoding=\"async\" class=\"wp-image-143625\" src=\"https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003.webp\" width=\"1800\" height=\"1200\" alt=\"Black smoke and orange flames rising from the deck of a large grey vessel under repair in a shipyard, with workers in hi-vis vests and a crane basket overhead\" srcset=\"https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003.webp 1800w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003-768x512.webp 768w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003-1536x1024.webp 1536w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003-18x12.webp 18w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_003-350x233.webp 350w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"fontsize-858154 font-weight-600 text-accent-color\" ><span>The JH143 Limitation and the Volatility of Operational Reality<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>JH143, a standardised Shipyard Risk Assessment framework used in the maritime and insurance industries, emerged in response to significant historical loss activity in the early 2000s and remains a key reference point for shipyard risk engineering today.<\/p>\n<p>It provides a structured approach to assessing fire protection, emergency response and operational procedures. However, its core limitation lies in its static nature. On the other hand, shipyard environments are not static.<\/p>\n<p>In both new construction and MRO contexts, risk fluctuates depending on phase, contractor activity and system availability. The most dangerous periods are often short, transitional and operationally routine, particularly during hot work and the critical hours that follow.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1780659343971 row-internal row-container\" style=\"padding-top: 50px ;padding-bottom: 50px ;\"><div class=\"row col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode_text_column\" ><p>Evidence consistently shows that the highest consequence events frequently occur outside active hot work itself, during the post activity phase when fire watch reliance is highest and human monitoring fatigue is most likely.<\/p>\n<p>This is precisely the window where traditional frameworks like JH143 offer limited visibility, even though exposure is at its peak. The implication is clear. Snapshot audits and periodic inspections cannot adequately represent volatile impairment windows. For insurers, this creates a structural information gap at the exact point where risk is most likely to crystallise into loss.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row style-color-lxmt-bg row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell double-block-padding    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"1\"><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"fontsize-910587 font-weight-700\" ><span>Risk is no longer a fixed state documented at inspection but a dynamic condition that evolves minute by minute within the shipyard environment.<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1780663708195 row-internal row-container\" style=\"padding-top: 50px ;padding-bottom: 50px ;\"><div class=\"row col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"fontsize-858154 font-weight-600 text-accent-color\" ><span>From Passive to Active Underwriting Through Continuous Monitoring<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>As a result, a growing number of insurers and surveyors are beginning to recognise that the solution is not simply tighter procedural compliance but improved visibility during impairment periods. This is driving interest in approaches that can support oversight across complex shipyard environments, particularly where exposure shifts between project phases.<\/p>\n<p>Rather than relying solely on static infrastructure or human fire watch, these control measures, including temporary fire detection systems, temporary fire alarm systems and evacuation alerting or emergency notification technologies, are designed to complement existing protections by improving coverage across changing site conditions.<\/p>\n<p>They can be deployed and repositioned in line with active work fronts and operate independently of a vessel\u2019s permanent fire protection systems. In doing so, they help address the visibility gap that emerges during system shutdown and recommissioning, when exposure is typically at its highest but oversight is most limited.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"2\"><div class=\"uncont\" ><div class=\"uncode-single-media  text-left\"><div class=\"single-wrapper\" style=\"max-width: 100%;\"><div class=\"tmb tmb-light  img-round img-round-xl tmb-media-first tmb-media-last tmb-content-overlay tmb-no-bg\"><div class=\"t-inside\"><div class=\"t-entry-visual\"><div class=\"t-entry-visual-tc\"><div class=\"uncode-single-media-wrapper img-round img-round-xl\"><img decoding=\"async\" class=\"wp-image-143623\" src=\"https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001.webp\" width=\"1800\" height=\"1200\" alt=\"Fire and black smoke billowing from the deck machinery of a white and teal vessel in a shipyard, with workers in hard hats watching from the dockside\" srcset=\"https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001.webp 1800w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001-768x512.webp 768w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001-1536x1024.webp 1536w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001-18x12.webp 18w, https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_001-350x233.webp 350w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1780659343971 row-internal row-container\" style=\"padding-top: 50px ;padding-bottom: 50px ;\"><div class=\"row col-double-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"uncode_text_column\" ><p>At a naval shipyard, I have seen situations where hot works involving welding and metal cutting were reportedly carried out on board a naval vessel without the appropriate permit. During the operation, workers cut through the hull, igniting materials on the opposite side and triggering a fire. A temporary detection system activated and enabled a response, preventing escalation and potentially significant vessel damage.<\/p>\n<p>From an underwriting perspective, the significance extends beyond detection to how risk is understood during impairment windows. Continuous monitoring introduces the potential for improved visibility during the most exposed phases of work. Over time, this supports more responsive underwriting approaches, where risk is assessed not only at the point of policy inception but reflected more consistently throughout high-risk operational cycles.<\/p>\n<p>This aligns closely with the direction many insurers are already moving towards, where behavioural indicators, system usage patterns and operational data increasingly inform risk selection and pricing. As deployment data from environments such as shipyards expands, previously less visible exposure can be translated into more measurable and actionable insight.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row style-color-lxmt-bg row-internal row-container\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell double-block-padding    parallax-el\" data-rellax-percentage=\"0.5\" data-rellax-speed=\"1\"><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h3 class=\"fontsize-858154 font-weight-600 text-accent-color\" ><span>Closing the gap between compliance and reality<\/span><\/h3><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>The core challenge facing marine insurers is not the absence of regulation or guidance. It is the mismatch between compliance frameworks and operational reality during short duration, high consequence impairment windows. As loss activity in maritime MRO environments continues to attract attention, the industry is reaching a point where static assurance is no longer sufficient. Closing the system impairment gap requires a shift towards continuous visibility, where temporary but critical risk phases are actively monitored rather than retrospectively assessed.<\/p>\n<p>For underwriters, this represents a shift in mindset as much as technology. Risk is no longer a fixed state documented at inspection but a dynamic condition that evolves minute by minute within the shipyard environment. Temporary fire detection and emergency notification systems can play a key role in this shift by providing continuous monitoring and alerts during impairment periods, helping to bridge the gap between compliance expectations and operational reality.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-3 half-internal-gutter\"><div class=\"uncol style-light sticky-element sticky-sidebar\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_row vc_custom_1701173622940 row-internal row-container\" style=\"margin-bottom: 40px ;\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 half-internal-gutter\"><div class=\"uncol style-spec style-dark\" ><div class=\"uncoltable\"><div class=\"uncell single-block-padding style-accent-bg  unradius-xl\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-one-gutter double-top-padding double-bottom-padding no-h-padding row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-spec style-dark\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"h4\" ><span>Szukaj:<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p>Search the website for more relevant content.<\/p>\n<\/div><div class=\"vc_wp_search wpb_content_element\"  data-id=\"1\"><div class=\"widget widget_search\"><form action=\"https:\/\/news.ramtechglobal.com\/pl\/\" method=\"get\" data-trp-original-action=\"https:\/\/news.ramtechglobal.com\/pl\/\">\n\t<div 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row-internal row-container\"><div class=\"row unequal col-one-gutter row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"h4\" ><span>Share:<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"uncode_text_column\" ><p><span style=\"color: #e74011;\">Do you like this content?<\/span> Why not share it on your social network, or send it to someone else.<\/p>\n<\/div><div class=\"uncode-wrapper uncode-share\" ><div class=\"share-button share-buttons share-inline share-bigger\" data-url=\"\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row vc_custom_1701173629905 row-internal row-container\" style=\"margin-top: 40px ;\"><div class=\"row row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_child col-lg-12 half-internal-gutter\"><div class=\"uncol style-light\" ><div class=\"uncoltable\"><div class=\"uncell single-block-padding style-color-lxmt-bg  unradius-xl\" ><div class=\"uncont\" ><div class=\"vc_row row-internal row-container\"><div class=\"row unequal col-one-gutter double-top-padding double-bottom-padding no-h-padding row-child\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"fontsize-101683\" ><span>Categories:<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_wp_tagcloud wpb_content_element\"  data-id=\"2\"><div class=\"widget widget_tag_cloud\"><div class=\"tagcloud\"><a href=\"https:\/\/news.ramtechglobal.com\/pl\/category\/industry-news\/\" class=\"tag-cloud-link tag-link-101 tag-link-position-1\" style=\"font-size: 22pt;\" aria-label=\"Industry News (48 element\u00f3w)\">Informacje bran\u017cowe<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/category\/knowledge\/\" class=\"tag-cloud-link tag-link-372 tag-link-position-2\" style=\"font-size: 8pt;\" aria-label=\"Knowledge (1 element)\">Wiedza<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/category\/partner-news\/\" class=\"tag-cloud-link tag-link-151 tag-link-position-3\" style=\"font-size: 9.8129496402878pt;\" aria-label=\"Partner News (2 elementy)\">Aktualno\u015bci dla partner\u00f3w<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/category\/press-release\/\" class=\"tag-cloud-link tag-link-120 tag-link-position-4\" style=\"font-size: 11.021582733813pt;\" aria-label=\"Press Release (3 elementy)\">Komunikat prasowy<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/category\/ramtech\/\" class=\"tag-cloud-link tag-link-97 tag-link-position-5\" style=\"font-size: 19.079136690647pt;\" aria-label=\"Ramtech (24 elementy)\">Ramtech<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/category\/ramtech-news\/\" class=\"tag-cloud-link tag-link-122 tag-link-position-6\" style=\"font-size: 20.690647482014pt;\" aria-label=\"Ramtech News (35 element\u00f3w)\">Informacje prasowe Ramtech<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/category\/ramtech\/react\/\" class=\"tag-cloud-link tag-link-99 tag-link-position-7\" style=\"font-size: 17.669064748201pt;\" aria-label=\"REACT (17 element\u00f3w)\">REACT<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/category\/uncategorised\/\" class=\"tag-cloud-link tag-link-1 tag-link-position-8\" style=\"font-size: 8pt;\" aria-label=\"Uncategorised (1 element)\">Nieakcesjonowane<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/category\/ramtech\/wes\/\" class=\"tag-cloud-link tag-link-98 tag-link-position-9\" style=\"font-size: 18.071942446043pt;\" aria-label=\"WES (19 element\u00f3w)\">WES<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/category\/white-paper\/\" class=\"tag-cloud-link tag-link-121 tag-link-position-10\" style=\"font-size: 9.8129496402878pt;\" aria-label=\"White Paper (2 elementy)\">Bia\u0142a ksi\u0119ga<\/a><\/div>\n<\/div><\/div><div class=\"vc_custom_heading_wrap\"><div class=\"heading-text el-text\" ><h4 class=\"fontsize-101683\" ><span>Tags:<\/span><\/h4><\/div><div class=\"clear\"><\/div><\/div><div class=\"vc_wp_tagcloud wpb_content_element\"  data-id=\"3\"><div class=\"widget widget_tag_cloud\"><div class=\"tagcloud\"><a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/awards\/\" class=\"tag-cloud-link tag-link-205 tag-link-position-1\" style=\"font-size: 8pt;\" aria-label=\"Awards (2 elementy)\">Nagrody<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/charity\/\" class=\"tag-cloud-link tag-link-177 tag-link-position-2\" style=\"font-size: 8pt;\" aria-label=\"Charity (2 elementy)\">Charytatywny<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/construction\/\" class=\"tag-cloud-link tag-link-129 tag-link-position-3\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Construction (3 elementy)\">Budownictwo<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/construction-fire-safety\/\" class=\"tag-cloud-link tag-link-383 tag-link-position-4\" style=\"font-size: 10.896551724138pt;\" aria-label=\"Construction fire safety (5 element\u00f3w)\">Ochrona przeciwpo\u017carowa w budownictwie<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/construction-safety\/\" class=\"tag-cloud-link tag-link-438 tag-link-position-5\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Construction Safety (3 elementy)\">Bezpiecze\u0144stwo budowy<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/construction-site-safety\/\" class=\"tag-cloud-link tag-link-395 tag-link-position-6\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Construction Site Safety (3 elementy)\">Bezpiecze\u0144stwo na placu budowy<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/erp-regulations\/\" class=\"tag-cloud-link tag-link-437 tag-link-position-7\" style=\"font-size: 8pt;\" aria-label=\"ERP Regulations (2 elementy)\">Regulamin ERP<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/fire-alarm-systems\/\" class=\"tag-cloud-link tag-link-311 tag-link-position-8\" style=\"font-size: 8pt;\" aria-label=\"Fire Alarm Systems (2 elementy)\">Systemy alarmowe przeciwpo\u017carowe<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/fire-detection\/\" class=\"tag-cloud-link tag-link-488 tag-link-position-9\" style=\"font-size: 8pt;\" aria-label=\"Fire detection (2 elementy)\">Odnalezienie po\u017caru<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/fire-prevention\/\" class=\"tag-cloud-link tag-link-403 tag-link-position-10\" style=\"font-size: 8pt;\" aria-label=\"Fire Prevention (2 elementy)\">Zapobieganie po\u017carom<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/fire-protection\/\" class=\"tag-cloud-link tag-link-456 tag-link-position-11\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"fire protection (3 elementy)\">ochrona przeciwpo\u017carowa<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/fire-risk-assessment\/\" class=\"tag-cloud-link tag-link-401 tag-link-position-12\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Fire Risk Assessment (3 elementy)\">Ocena ryzyka po\u017car\u00f3w<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/fire-safety\/\" class=\"tag-cloud-link tag-link-285 tag-link-position-13\" style=\"font-size: 22pt;\" aria-label=\"Fire Safety (85 element\u00f3w)\">Ochrona przeciwpo\u017carowa<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/fire-watch\/\" class=\"tag-cloud-link tag-link-385 tag-link-position-14\" style=\"font-size: 11.572413793103pt;\" aria-label=\"Fire watch (6 element\u00f3w)\">Stra\u017c po\u017carna<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/holiday-parks\/\" class=\"tag-cloud-link tag-link-289 tag-link-position-15\" style=\"font-size: 12.537931034483pt;\" aria-label=\"Holiday parks (8 element\u00f3w)\">Parki wypoczynkowe<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/hot-works\/\" class=\"tag-cloud-link tag-link-213 tag-link-position-16\" style=\"font-size: 8pt;\" aria-label=\"hot works (2 elementy)\">gor\u0105ce prace<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/jh143\/\" class=\"tag-cloud-link tag-link-480 tag-link-position-17\" style=\"font-size: 8pt;\" aria-label=\"JH143 (2 elementy)\">JH143<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/lone-working\/\" class=\"tag-cloud-link tag-link-345 tag-link-position-18\" style=\"font-size: 8pt;\" aria-label=\"Lone working (2 elementy)\">Praca samotna<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/marine-fire-safety\/\" class=\"tag-cloud-link tag-link-388 tag-link-position-19\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Marine fire safety (3 elementy)\">Ochrona przeciwpo\u017carowa w stoczniach<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/marine-industry\/\" class=\"tag-cloud-link tag-link-377 tag-link-position-20\" style=\"font-size: 8pt;\" aria-label=\"marine industry (2 elementy)\">przemys\u0142 morskiego<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/nfpa-241\/\" class=\"tag-cloud-link tag-link-444 tag-link-position-21\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"NFPA 241 (3 elementy)\">NFPA 241<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/north-america\/\" class=\"tag-cloud-link tag-link-199 tag-link-position-22\" style=\"font-size: 8pt;\" aria-label=\"North America (2 elementy)\">Ameryka P\u00f3\u0142nocna<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/patient-safety\/\" class=\"tag-cloud-link tag-link-440 tag-link-position-23\" style=\"font-size: 8pt;\" aria-label=\"Patient Safety (2 elementy)\">Bezpiecze\u0144stwo pacjent\u00f3w<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/ramtech\/\" class=\"tag-cloud-link tag-link-281 tag-link-position-24\" style=\"font-size: 15.724137931034pt;\" aria-label=\"Ramtech (18 element\u00f3w)\">Ramtech<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/react\/\" class=\"tag-cloud-link tag-link-183 tag-link-position-25\" style=\"font-size: 14.468965517241pt;\" aria-label=\"REACT (13 element\u00f3w)\">REACT<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/refurbishment\/\" class=\"tag-cloud-link tag-link-126 tag-link-position-26\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Refurbishment (3 elementy)\">Remont<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/renovation\/\" class=\"tag-cloud-link tag-link-127 tag-link-position-27\" style=\"font-size: 8pt;\" aria-label=\"Renovation (2 elementy)\">Remont<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/saudi-arabia\/\" class=\"tag-cloud-link tag-link-335 tag-link-position-28\" style=\"font-size: 8pt;\" aria-label=\"Saudi Arabia (2 elementy)\">Arabia Saudyjska<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/scaffolding\/\" class=\"tag-cloud-link tag-link-340 tag-link-position-29\" style=\"font-size: 8pt;\" aria-label=\"scaffolding (2 elementy)\">sklepienie<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/shipbuilding\/\" class=\"tag-cloud-link tag-link-125 tag-link-position-30\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Shipbuilding (3 elementy)\">Stoczniowiectwo<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/ship-repair\/\" class=\"tag-cloud-link tag-link-466 tag-link-position-31\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"ship repair (3 elementy)\">remont statk\u00f3w<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/shipyard-fire\/\" class=\"tag-cloud-link tag-link-373 tag-link-position-32\" style=\"font-size: 8pt;\" aria-label=\"shipyard fire (2 elementy)\">Po\u017car w stoczni<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/sustainable-energy\/\" class=\"tag-cloud-link tag-link-327 tag-link-position-33\" style=\"font-size: 8pt;\" aria-label=\"Sustainable energy (2 elementy)\">Zr\u00f3wnowa\u017cona energia<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/temporary-fire-alarm\/\" class=\"tag-cloud-link tag-link-489 tag-link-position-34\" style=\"font-size: 8pt;\" aria-label=\"Temporary fire alarm (2 elementy)\">Przemys\u0142owe sygnalizowanie po\u017caru<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/temporary-fire-alarm-systems\/\" class=\"tag-cloud-link tag-link-305 tag-link-position-35\" style=\"font-size: 8pt;\" aria-label=\"Temporary Fire Alarm Systems (2 elementy)\">Przeno\u015bne systemy alarmowe przeciwpo\u017carowe<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/temporary-fire-detection\/\" class=\"tag-cloud-link tag-link-435 tag-link-position-36\" style=\"font-size: 10.896551724138pt;\" aria-label=\"Temporary Fire Detection (5 element\u00f3w)\">Przeno\u015bne wykrywanie po\u017car\u00f3w<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/temporary-fire-protection\/\" class=\"tag-cloud-link tag-link-469 tag-link-position-37\" style=\"font-size: 8pt;\" aria-label=\"temporary fire protection (2 elementy)\">tymczasowa ochrona przeciwpo\u017carowa<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/temporary-fire-safety\/\" class=\"tag-cloud-link tag-link-486 tag-link-position-38\" style=\"font-size: 8pt;\" aria-label=\"temporary fire safety (2 elementy)\">tymczasowe bezpiecze\u0144stwo przeciwpo\u017carowe<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/water-damage\/\" class=\"tag-cloud-link tag-link-316 tag-link-position-39\" style=\"font-size: 8pt;\" aria-label=\"Water Damage (2 elementy)\">Uszkodzenia wody<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/wes\/\" class=\"tag-cloud-link tag-link-296 tag-link-position-40\" style=\"font-size: 13.793103448276pt;\" aria-label=\"WES (11 element\u00f3w)\">WES<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/wes3\/\" class=\"tag-cloud-link tag-link-154 tag-link-position-41\" style=\"font-size: 12.055172413793pt;\" aria-label=\"WES3 (7 element\u00f3w)\">WES3<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/wireless-fire-alarm\/\" class=\"tag-cloud-link tag-link-141 tag-link-position-42\" style=\"font-size: 12.055172413793pt;\" aria-label=\"Wireless Fire Alarm (7 element\u00f3w)\">Bezprzewodowy alarm przeciwpo\u017carowy<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/wireless-fire-alarms\/\" class=\"tag-cloud-link tag-link-436 tag-link-position-43\" style=\"font-size: 9.1586206896552pt;\" aria-label=\"Wireless Fire Alarms (3 elementy)\">Bezprzewodowe alarmy przeciwpo\u017carowe<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/wireless-fire-detection\/\" class=\"tag-cloud-link tag-link-462 tag-link-position-44\" style=\"font-size: 10.124137931034pt;\" aria-label=\"wireless fire detection (4 elementy)\">Bezprzewodowe wykrywanie po\u017caru<\/a>\n<a href=\"https:\/\/news.ramtechglobal.com\/pl\/tag\/wireless-technology\/\" class=\"tag-cloud-link tag-link-282 tag-link-position-45\" style=\"font-size: 21.324137931034pt;\" aria-label=\"Wireless technology (72 elementy)\">Technologia bezprzewodowa<\/a><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-2\" data-row=\"script-row-unique-2\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-2\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-3\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-3\" data-row=\"script-row-unique-3\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-3\"));<\/script><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Aron Wadhia of Ramtech examines the system impairment gap: the high-risk window when a vessel&#8217;s permanent fire detection and suppression systems are offline during construction, repair or maintenance. With fire remaining a leading cause of total vessel loss, he argues that static frameworks such as JH143 cannot capture these transient exposures, and that continuous monitoring through temporary fire detection and emergency notification systems is key to closing the gap between compliance and operational reality for marine insurers.<\/p>","protected":false},"author":2,"featured_media":143624,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[101],"tags":[500,501,385,213,480,495,497,498,281,496,502,494,435,499],"class_list":["post-143610","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-news","tag-emergency-notification-systems","tag-fire-risk-management","tag-fire-watch","tag-hot-works","tag-jh143","tag-marine-insurance","tag-marine-underwriting","tag-mro","tag-ramtech","tag-shipyard-fire-safety","tag-shipyard-risk-assessment","tag-system-impairment-gap","tag-temporary-fire-detection","tag-vessel-fire-loss"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.8 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The System Impairment Gap: Underwriting&#039;s Fire Blind Spot<\/title>\n<meta name=\"description\" content=\"Shipyard fires expose a marine underwriting blind spot: the impairment gap when vessels&#039; fire detection systems are offline during hot works.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/news.ramtechglobal.com\/pl\/the-system-impairment-gap-the-blind-spot-underwriting-still-cannot-see\/\" \/>\n<meta property=\"og:locale\" content=\"pl_PL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Shipyard Fire Risk Underwriting Still Can&#039;t See\" \/>\n<meta property=\"og:description\" content=\"Fire remains the second largest cause of total vessel loss. Aron Wadhia of Ramtech on the impairment gap exposing marine insurers to claims.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/news.ramtechglobal.com\/pl\/the-system-impairment-gap-the-blind-spot-underwriting-still-cannot-see\/\" \/>\n<meta property=\"og:site_name\" content=\"Ramtech Global News\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-17T13:36:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-08T08:34:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/news.ramtechglobal.com\/wp-content\/uploads\/marine_fire_002.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Anthony Phillips\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"The Shipyard Fire Risk Underwriting Still Can&#039;t See\" \/>\n<meta name=\"twitter:description\" content=\"Fire remains the second largest cause of total vessel loss. 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