在社会通胀已经推高责任险的成本环境的背景下，任何进一步扩大尾部与辩护成本的变量，都会迫使保险更早、更硬地介入治理。对企业来说，真正的倒计时不是2026年条款生效那一天，而是下一次续保谈判开始的那一刻。
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"A lot of stately homes will have that system," says Niki Johnson, fire systems technical adviser for the UK Fire Association, a trade body, and owner of fire detection firm Derventio Fire and Security. "You could be looking at £3-4,000 just to do a corridor." Such installations require substantial pipework, he explains.