EPS Insulated Panel Insurance for Your Commercial Building
You probably need our help finding affordable insurance.
EPS panels are a hot topic when it comes to insurance, as certain types are deemed to be a 'high risk', and therefore difficult and expensive to insure.
There are several different types of EPS panels and you may not know what type your building contains, but they can have a significant impact upon your insurance premiums. AB Phillips have been successful in navigating the insurance market and reducing insurance premiums due to their extensive knowledge and understanding of these panels. Our insurance experts can:
determine what type of EPS panels your building contains
advise on what you can do to lower your insurance premiums
negotiate with insurers to broker an insurance deal that protects your interests.
We work with an extensive network of insurers and we know how to get the right deal for your situation.
Due to our expert knowledge in this area, we have partnered with the Insulated Panel Council of Australia (IPCA) as their preferred insurance provider for their members.
What are EPS panels?
Expanded Polystyrene Panels (EPS) are a type of Insulated Sandwich Panel (ISP), and have been used for commercial construction in Australia for the past 50 years. Insulated Sandwich Panels (ISP) are made when three separate elements are “sandwiched together” to form one structure. The combined properties of the high tensile and compressive strength of the outer steel skins and the high shear strength of the inner core leads to a building material which has a much longer spanning capacity and is lighter in weight than traditional building materials.
EPS is manufactured from styrene monomer, using a polymerisation process which produces translucent spherical beads of polystyrene, about the size of sugar granules. During this process a low boiling point hydrocarbon, usually pentane gas, is added to the material to assist expansion during subsequent processing.The flame retardant predominately used for expanded polystyrene is hexabromocyclododecane (HBCD). HBCD is added during the polymerisation process and is retained within the polymer matrix.
What are the advantages of insulated sandwich panels?
Significantly reduces the amount of energy required to keep buildings within a comfortable temperature range.
Light weight, low maintenance, recyclable and reusable.
Uses the non ozone depleting insulants.
Steel skins can be made with between 10-30% recycled material.
Reduces landfill over standard framed construction methods.
Provides continuous insulation that reduces or eliminates thermal bridging.
Provides a consistent level of insulation that is impervious to compression, water vapour, vermin and rot.
Reduces air-leakage/infiltration rates.
Significantly shortens construction time
What are the disadvantages of insulated sandwich panels?
The perceived disadvantage of ISP has been its performance in fires. The most common criticisms of ISP in fire conditions relate to the delaminating of the outer skins exposing the core, the structural ability of the Panels to stay in place and not collapse during a fire and fire spreading within the Panel. There have been improvements over time to ISP and addition of fire retardants, metal fixings, not using plastic fixings, etc. The objective of the Code of Practice ("the CODE") is to bring all of these improvements, and others in further research and testing, together into one system and industry CODE.
(Source: Insulated Panel Council of Australia)
How are insulated panels labelled?
How AB Phillips Helps with EPS Insulated Panels?
We know that navigating the world of EPS insurance can be daunting, especially when dealing with high-risk foam insulation panels. Here's how AB Phillips can assist you:
Determine Your Panel Type: Our experts can quickly identify whether your building contains EPS insulated panels and determine what type of panels are used.
Lower Your Insurance Premiums: We work directly with insurers to find the most cost-effective EPS insurance plans that will meet your needs without sacrificing protection.
Negotiate on Your Behalf: With our established relationships with a broad network of insurers, we negotiate favorable terms for your EPS panel insurance.
Targeted Insurance Plans for EPS
Whether you’re dealing with foam insurance for small buildings, or managing large commercial properties, we specialize in providing a tailored EPS insured panel insurance plan that works for you. Our expertise in EPS insulated panel insurance ensures you get the best coverage at the most affordable rates.
Industries That Use EPS Panels
EPS panels are used widely across several industries, including:
Abattoirs
Bakeries
Supermarkets
Hotels & Motels
Restaurants & Food Processors
Clubs & Sporting Facilities
Wineries
Water Bottling Plants
FAQs about EPS Insurance
1. What is EPS foam insurance?
EPS foam insurance covers the risks associated with the use of expanded polystyrene in commercial buildings. It helps protect businesses from damages due to fire, water, or structural failure in EPS panels.
2. Why are EPS panels considered a high risk for insurance?
EPS panels are flammable, which makes them high-risk for insurance purposes. As a result, many insurers charge higher premiums to cover EPS insulated panels.
3. Can I insure used EPS panels?
Yes, used EPS panels can be insured, but the premiums may vary depending on their condition and the associated fire risk. Our experts can help find affordable EPS insurance for used panels.
4. Are there alternatives to EPS in building insulation?
Yes, there are several alternatives to EPS panels for insulation, including polyurethane and extruded polystyrene. However, these alternatives also come with their own advantages and disadvantages in terms of cost, insulation properties, and fire resistance.
5. What are the benefits of EPS insulated panel insurance?
EPS insulated panel insurance offers protection against fire hazards, thermal damage, and structural failure, ensuring your commercial building is covered for all types of incidents. This insurance plan provides peace of mind, especially for high-risk industries.
Get in Touch
Looking for the best EPS insurance for your business?
Contact AB Phillips today to discuss your foam insurance options, and we will help you navigate the insurance market to get the most cost-effective plan for your EPS insulated panels.
Meet our EPS panels insurance expert
