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Issue 97 June 2022INFORMED COMMENT FROM THE BRITISH ADHESIVES & SEALANTS ASSOCIATIONFor more informaon on exhibing at CHEMUK 2023 click here. BulletinCHEMUK 2022CHEMUK 2022Thursday 16th June from 9:30am, FREE to BASA members; with speakers from BCF, BASF, Water Plus, Reusefully, BEIS, Valpak, BPF & Kraton. BASA Consultant Caroline Raine outlines the changes that are likely to be introduced in ADR2023. We recently ran a poll for member interest in a new PCN Workshop and have received sucient interest to run at least one face-to-face workshop. 2 2 3
BASA Bullen Issue 972 - Virtual event via Microso Teams091010:45-11:00 SHORT BIO BREAK111212:30-12:45 SHORT BIO BREAKPlease note this is a BASA members only event.W W W Are you con�dent your business will pass?Random spot checks are part of the Health & Safety Executive’s strategy to ensure workplace safety. Throughout June, Croner are o�ering FREE H&S documentation critiques to association members to prepare them for a spot check and ensure legal compliance. Get in touch with our team today to book your appointment before time runs out!Call 01455 639125 and quote HSE22 to get access todayRandom HSE spot checks are coming.
3 BASA Bullen Issue 97 and constructed and tested in and constructed in accordance
BASA Bullen Issue 974 Visit BASA at Stand L141
5 BASA Bullen Issue 97Your REACH and CLP advantagewww.reachready.co.ukREACHReady a one-stop shop for UK/EU REACH, CLP & BPRHelpdesk MatchmakerMembership ConsultancyTrainingE: enquiries@reachready.co.uk I T: +44 (0) 20 7901 1444 Apply for your REACHReady Partner Gold membershipThrough BASA membership you can benefit from a 25% discounted rate subscription to REACHReady.Joining REACHReady at £315 + VAT annual membership fee gives you:• Access to a specialist-staffed Helpdesk • Up to an hour of free consultancy for new subscribers • 20% discount on public seminars, training and workshops Other benefits include access to exclusive online guidance, analysis documents and e-mail news alerts as well as a membership logo letting your clients know that you are working towards REACH compliance. • 07 April 2022 - REACH: Current landscape and emerging issues•28 June 2022 - Navigating UK REACH'It is with great sadness that we announce the passing of Sue Lamb.Sue was a co-founder and integral part of Cyberbond UK Ltd and managed the running of the accounts and the purchasing of materials right up unl her diagnosis.Sue will be greatly missed by all who loved her.Thank you for the kind messages of sympathy and support.From everyone at Cyberbond UK Ltd' By donang to Marie Curie, you are funding care and support for people living with a terminal illness, and their families, across the UK.
BASA Bullen Issue 976 a Explosives in Category 2 that are removed from their primary packaging for use remain classied in Category 2, see 2.1.1.3.4.b The manufacturer, supplier or competent authority may classify an explosive of Division 1.4 as sub-category 2A on basis of data or other consideraons even if it meets the technical criteria for sub-category 2B or 2C. c A high hazard event is exhibited when performing test 6 (a) or 6 (b), according to the Manual of Tests and Criteria, by: (i) a signicant change in the witness plate shape, such as perforaon, gouge, substanal dent or bowing; or (ii) instantaneous scaering of most of the conning material.a For divisions 1.4, 1.5 and 1.6 no symbol appears on the label for transport, according to the UN Model Regulations.b To be assigned additionally to explosives that are sensitive to initiation as determined by test series 3 or 4 of the Manual of Tests and Criteria. May also be applied to explosives sensitive to other stimuli, e.g. electrostatic discharge.c To be assigned additionally to explosives for which sufficient information on their sensitivity to initiation is not available.NOTE: Substances and mixtures excluded by 2.1.1.2.2 (c) (v) still have explosive properties. The user should be informed of these intrinsic explosive properties because they have to be considered for handling – especially if the substance or mixture is removed from its packaging or is repackaged – and for storage. For this reason, the explosive properties of the substance or mixture should be communicated in sub-section 2.3 (Other hazards which do not result in classification) and Section 9 (Physical and chemical properties) or 10 (Stability and reactivity) of the Safety Data Sheet in accordance with Table 1.5.2, and other sections of the Safety Data Sheet, as appropriate. a Under the UN Model Regulaons, (*) indicates the place for compability group and (**) indicates the place for division - to be le blank if explosive is the subsidiary hazard.b Addional hazard statements for explosives that are sensive to iniaon or for which sucient informaon on their sensivity is not available (see secon 2.1.3 of Chapter 2.1).
7 BASA Bullen Issue 97• • • NOTE: The text of Annex 9 is largely based on the “Guidance document on the use of the harmonised system for the classicaon of chemicals which are hazardous for the aquac environment” published by OECD in 2001, as Series on Tesng and Assessment No.27 (ENV/JM/MONO(2001)8). The Guidance document has remained unchanged since its publicaon in 2001, but since then, new OECD Test Guidelines or Guidance Documents have been adopted which are an addional source of informaon. For a list of updated references, refer to appendices V and VI to Annex 9.”.
BASA Bullen Issue 978– A Virtual Event about Circularity in Coangs around c
9 BASA Bullen Issue 97 ao architectural and industrial
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11 BASA Bullen Issue 97DoubleTree by Hilton Coventry, CV2 2STCroner would like to invite you to attend our complimentary event exclusively for local association members at 2:00pm on Tuesday 28th June 2022.Join our expert HR and health & safety speaker from Croner and learn how to simplify the toughest challenges of working in HR. Tackle nasty grievances and disciplinaries head-on, shield your business from the ugly and time-consuming tribunal claims, and boost productivity and efficiency.Topics covered on the day will include:• Protecting the mental health of your staff• The risks and rewards of remote & hybrid working• Managing staff absence, sickness, and annual leave withconfidence• How to attract and retain the right candidates• Simple steps to improve equality, diversity, and inclusion• Addressing the challenges of a workplace restructure• Women's health in the workplace - where HR falls short• Why manage Health & Safety?To confirm your attendance at this FREE event, exclusively for association members, please reserve your place todayAdapting to the changing world of business Secure Your SeatSpaces are Limited. Contact us directly to book your place.Book NowEvent DetailsRegister2.00pm Arrival & Refreshments 2.30pm Seminar Starts3.45pm Afternoon Refreshments & Cakes28th June 20222.00pm till 5.30pmRefreshments & Cake
12 BASA Annual Report 2021UNDERINSURANCE – ARE YOU COVERED? Although not a new phenomenon, underinsurance remains an ongoing concern in the insurance market. The hardening attitudes of underwriters is seeing property pricing increase and claims being settled in strict accordance with policy wordings. This change has been driven by global factors and more local events such as the tragedy of Grenfell.There has also been a rapid and signicant increase in the cost of building materials (and labour in certain parts of the UK) and Policyholders may not realise that underinsurance may have a direct impact on the claims payments they may receive in the event of a property damage claim.SO, WHAT IMPACT CAN UNDERINSURANCE HAVE FOR YOU?If a claim payment does not cover the full property repair/rebuild cost or reinstatement, it could mean funds may not be available to complete the rebuild.This may result in:• Negative impact on service delivery to your customers1• Complex and extended negotiations with insurers resulting in extended rebuild times• Requirement to borrow on already stretched budgets• Exposure to potential legal action for inadequate levels of cover from lenders and leaseholdersApart from the nancial repercussions of who has to meet any shortfall in claims monies paid by insurers there may also be reputational damage to your organisation.HOW DOES A BUILDING BECOME UNDERINSURED?Underinsurance can become an issue, as a result of several factors:• Reinstatement Cost Assessment was completed many years ago• No professional valuation or Rebuild Cost Assessment has ever been undertaken• Sums insured are based on a notional market value• Incorrect estimation based on historical information
13 BASA Bullen Issue 97UNDERINSURANCE – ARE YOU COVERED? Although not a new phenomenon, underinsurance remains an ongoing concern in the insurance market. The hardening attitudes of underwriters is seeing property pricing increase and claims being settled in strict accordance with policy wordings. This change has been driven by global factors and more local events such as the tragedy of Grenfell.There has also been a rapid and signicant increase in the cost of building materials (and labour in certain parts of the UK) and Policyholders may not realise that underinsurance may have a direct impact on the claims payments they may receive in the event of a property damage claim.SO, WHAT IMPACT CAN UNDERINSURANCE HAVE FOR YOU?If a claim payment does not cover the full property repair/rebuild cost or reinstatement, it could mean funds may not be available to complete the rebuild.This may result in:• Negative impact on service delivery to your customers1• Complex and extended negotiations with insurers resulting in extended rebuild times• Requirement to borrow on already stretched budgets• Exposure to potential legal action for inadequate levels of cover from lenders and leaseholdersApart from the nancial repercussions of who has to meet any shortfall in claims monies paid by insurers there may also be reputational damage to your organisation.HOW DOES A BUILDING BECOME UNDERINSURED?Underinsurance can become an issue, as a result of several factors:• Reinstatement Cost Assessment was completed many years ago• No professional valuation or Rebuild Cost Assessment has ever been undertaken• Sums insured are based on a notional market value• Incorrect estimation based on historical information2• No account has been made for structural changes which may have been made to the building• No allowance for uctuating costs of raw materials and labour• Developer’s costs are adopted instead of the true reinstatement costBuildings are constantly changing value and there is always a risk that if you place insurance without examining how things have changed you may have an underinsurance risk.IMPLICATIONS OF UNDERINSURANCEThe ‘Average Clause’ is a standard policy condition in UK property insurance policies. In its simplest form, the clause allows an insurer to reduce a claim payment by the amount of underinsurance present at the time of loss. By way of example:Consider a building with a current sum insured of £7.2 million.A re occurs which damages most, but not all of the property. Loss adjusters are appointed by insurers and they calculate the true rebuilding cost of the property to be £9 million (in other words it was underinsured by 20%). The cost of the loss is calculated to be £5 million but once the insurer applies the average clause — the claim payment is reduced by the amount of underinsurance (20%) leaving the policyholder £1 million short of the full repair costs.A regular Reinstatement Cost Assessment would have identied the underinsurance on which the policyholder could have acted.Reinstatement costs will typically include:• The main structure including foundations• Half of the cost of party walls/protecting adjoining structures• The peripheral features that form part of the development• The cost of demolition of the above• The cost of debris removal• The cost of professional feesNEW BUILD OR NEWLY BUILT PROPERTIESA question that gets asked quite frequently is, “if I set my insurance cover based upon the original development cost of constructing the property, that should be adequate, shouldn’t it?”Unfortunately, in most cases development costs do not compare well, if at all, with the costs of reinstatement following — e.g., a serious re. There are many factors which make reinstatement costs higher including:• The need to commence works urgently• The timescales involved when you have residents rendered homeless• Demolition costs• Changed surroundings due to the passage of time• Addition of features, e.g., outbuildings post-development• Additional site access costs• The need to protect undamaged sections of a building• Less efcient work programming requirements• The scale of scaffolding and other access costs• The need to protect and prop adjacent buildings• The differing prole of professional fees• Developer’s costs being set on xed price tenders, in some cases longer than a year before the rst plant is brought on to site• Economies of scale for developers buying materials in bulk not usually replicated in claims situations• Zero-rating for VAT for new build WHAT SHOULD YOU DO?We would only advise clients to engage a surveyor certicated by the Royal Institution of Chartered Surveyors (RICS) to perform a Reinstatement Cost Assessment in respect of your buildings.OAMPS are able to offer discounted rates for Pen Underwriting policyholders with QuestGates to deliver a fast, efcient and independent insurance valuation that is carried out by a RICS certicated surveyor and supported by Professional Indemnity cover.The facility ensures that under insurance penalties are avoided by your clients in the event of a claim, and that the correct premium is paid thereby avoiding the risk of underinsurance.In every case you receive a clear report with a brief summary of the risk and a recommended value for insurance purposes. Property portfolios and multi-risk locations of all sizes can be accommodated, the fee reecting the savings made through reduced travel and geographical clusters.
14 BASA Annual Report 2021The sole purpose of this article is to provide guidance on the issues covered. This article is not intended to give legal advice, and, accordingly, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. We make no claims as to the completeness or accuracy of the information contained herein or in the links which were live at the date of publication. You should not act upon (or should refrain from acting upon) information in this publication without rst seeking specic legal and/or specialist advice. Pen Underwriting Limited trading as OAMPS Hazardous Industries accepts no liability for any inaccuracy, omission or mistake in this publication, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.OAMPS is part of Pen Underwriting Limited which is authorised and regulated by the Financial Conduct Authority (FCA number 314493). Registered Ofce: The Walbrook Building, 25 Walbrook, London EC4N SAW. Registered in England and Wales. Company Number: 5172311.www.oamps.co.ukFEE STRUCTUREFees are based upon current sums insured and assume a single site visit on the UK mainland. Traveland all expenses are included.*A further discount may be available if multiple sites are surveyed.FOR FURTHER INFORMATION, PLEASE CONTACT:Matt WadeAssociate DirectorCert CILADD 0121 411 0535M 07970 521258E matt.wade@questgates.co.ukCURRENT SUM INSURED CURRENT SUM INSURED FEES (PLUS VAT)*FEES (PLUS VAT)*Up to £250,000Up to £250,000£320£320£250,001 – £500,000£250,001 – £500,000£385£385£500,001 – £750,000 £500,001 – £750,000 £430£430£750,001 – £1,000,000 £750,001 – £1,000,000 £540£540£1,000,001 – £1,500,000 £1,000,001 – £1,500,000 £650£650£1,500,001 – £2,500,000 £1,500,001 – £2,500,000 £800£800£2,500,001 – £5,000,000 £2,500,001 – £5,000,000 £965£965£5,000,001 – £7,500,000 £5,000,001 – £7,500,000 £1,430£1,430£7,500,001 – £10,000,000 £7,500,001 – £10,000,000 £1,625£1,625£10,000,001£10,000,001Fixed quotation based on Fixed quotation based on hourly rate of £100 /hrhourly rate of £100 /hr
15 BASA Annual Report 2021 i S More details about illbruck TP654 can be found at https://www.illbruck.com/en_GB/discover-our-new-tp654-illmod-trio-1050/
16 BASA Annual Report 2021 Chemique Adhesives is pleased to announce the appointment of Keith Berry as technical manager.Keith brings a wealth of experience to the role having accrued over 20 years’ experience in research and development laboratories and joined the Chemique team in 2019 as technical services manager.As technical manager, Keith will be responsible for designing and developing new products, dealing with customer technical requests as well as implemenng the companies’ management plan and strategy within the technical department.Stuart Francis, managing director at Chemique Adhesives commented: "Keith’s appointment to technical manager is a signicant step in the connued expansion of the business. He will connue his hands-on approach, enhancing our technical support capability and helping to assist customers with their adhesive requirements whilst achieving the best possible results. I wish him all the best in his new role.”www.chemiqueadhesives.com
17 BASA Annual Report 2021ITAC Limited has designed and manufactured high performance adhesives and coangs crical to countless end use applicaons since 1902. 120th year since “These are very excing mes for ITAC. Our projects pipeline connues to grow, not only in quanty, but also in breadth of applicaon. This is tesmony to our commitment to research and development, the diverse nature of our value proposion, and our ability to align the chemistry with the applicaon. Watch this space over the coming months and years!”later this year to raise a toast Image courtesy of: Adrian Waine, Photography for Industry Image: Itac old formulaons book
18 BASA Annual Report 2021 The Sherwin-Williams Company, manufacturer and distributor of DOWSIL™ products in the UK,provided all of the technical and test data necessary to conrm the suggested DOWSIL™ products’ compability with the façade materials. The specied products needed to demonstrate their ability to meet the extreme weather demands of the estuary locaon.“DOWSIL™ 791 is a high quality, reliable product, which is why it is our preferred choice.""In addion, the fact that we are a Dow Quality Bond™ member provides an addional degree of condence for clients and proves that our applicators are well trained and audited to meet world class applicaon standards.” Sherwin Williams supplies market leading sealant and adhesive products under the Geocel and DOWSIL™ brands.Read the arcle here: hps://www.geocel.co.uk/high-performance-construction-soluons/case-studies/v-a-dundee/Images courtesy of: Huon & Crow
19 BASA Bullen Issue 97 (L to R) Andrew Bates and Graham Crozier, Advanced Adhesiveshps://advancedadhesives.co.uk/