FM全球公司简介

FM全球公司是工商业保险公司，由此FM认证的经营理念也与众不同，其结合了保险和工程技术服务，通过工程技术服务来提供资产防损的解决方案，也就是为什么FM认证也同样支持FM保险存在的价值理念。

FM始于1897年，其客户覆盖全球132个国家，全球共计有10多万个保险项目。其在中国约有18年的历史，主要服务于在中国投资的FM全球保险客户。近几年中国的消防行业发展迅速，FM中国消防厂商也是越来越多，于是FM成立了中国办公室，以更好地服务于中国的FM生产厂商。

FM拥有：轻危险实验室、水系统实验室、大型火灾实验室、电器实验室、研究实验室、建筑材料实验室等多个专业的实验室。FM所提供的检测认证服务项目包括：产品认证、FM向防火器材、电子电器设备、危险场所设施、火场勘测、信号设备、建筑材料等产品的生产商颁发认证证书；标准检测：FM向生产商提供产品单一特性的标准检测服务；ISO9000注册：FM是ISO9000的注册机构，可以为企业进行ISO9000体系审核。

FMGlobalisaU.S.-basedinsurancecompany,withofficesworldwide,thatspecializesinlosspreventionservicesprimarilytolargecorporationsthroughouttheworldintheHighlyProtectedRisk(HPR)propertyinsurancemarketsector.FMGlobalhasbeennamedthe”BestPropertyInsurerintheWorld”byEuromoneyMagazine

Thecompanyemploysanon-traditionalbusinessmodelconsistingof:

TheprovisionofonlyHPRpropertyinsurance,ratherthanprovidingothertypesofinsuranceorconsultingservicesindependently.

Theprovisionofserviceseitherdirectlytotheirclients,orthroughinsurancebrokers.

Mutualownership,allowingmanagementtotakealongtermapproachtostrategicplanning.Amutualcompanyisownedbythecompanieswhichareinsured.Thisformofprivateownershipbuffersmonetaryperformancefromshorttermimpacts(i.e.,unlikepubliclyownedcompanies,whichmayhavetoreactquicklytoquarterlyoryearlystocklosses).

Thebeliefthatallpropertylossescanbepreventedormitigated.Thisleadstolossresearchandadvicetoclientsemphasizingthechangestooperationsandfacilitiestomitigatetheeffectsofspecifichazards.FMGlobalencouragesclientstomakeimprovementstotheirpropertyorworkpracticesinanattempttoreducerisksandminimizefinancialimpacttothecustomerandinsurancecompanyifalossoccurs.Assuch,thegoaloftherelationshipbetweenFMGlobalandeachcompanythatisinsuredistoagreetolongtermriskswhicharecommensuratewithriskstakenbyothersimilarcompaniesinsuredbyFMGlobal.

History

Duringthedepressionof1835,ZachariahAllen,aprominenttextilemillowner,attemptedtoreducetheinsurancepremiumonhisRhodeIsland,USA,millbymakingpropertyimprovementsthathebelievedwouldminimizethedamageincaseoffire.Atthattime,insurancepremiumincreasesforlossesweresharedamongallinsureds,regardlessofindividuallosshistory.Theconceptoflosspreventionandcontrolwasvirtuallyunheardofatthetime.ToAllen,aproactiveapproachtopreventinglossesmadegoodeconomicsense.

Aftermakingconsiderableimprovementstohismill,Allenrequestedareductioninhispremium,butwasdenied.Hecalleduponotherlocaltextilemillownerswhosharedhislosspreventionphilosophytocreateamutualinsurancecompanythatwouldonlyinsurefactorieswithlowerrisks.Thisapproachshouldresultinfewerlossesandsmallerpremiumpayments.Whateverpremiumremainedattheendoftheyearwouldbereturnedtopolicyholdersintheformofdividends.Thegroupagreed,andbyyear‘send,formedtheManufacturersMutualFireInsuranceCompany,theoldestpredecessorofFMGlobal.

Duringthecompany‘sfirst14years,themillownersandmutualpolicyholdersofManufacturersMutualenjoyedanaverage50-percentreductioninpremiumcomparedwithwhatotherinsurancecompanieswerecharging.Thefirepreventionmethodstheydeveloped,monitoredbyregularfireinspectionsformillpolicyholders,resultedinfewerlosses.Despiteitsinitialsuccess,oneproblemremainedforthepioneermutualinsurancecompany:asinglemutualinsurancecompanycouldnotwithstandthefinancialcostofthelossofanentireplant.Moreinsurancecapacitywasneeded,soin1848,Allenformedanothermutualinsurancecompany,RhodeIslandMutual.

Expansion

In1850,BostonManufacturersMutualFireInsuranceCompany,thethird-oldestFMGlobalpredecessor,wascreatedwhenAllenconvincedaBostonmerchantwithsignificantcotton-millownershiptoformhisownmutualinsurancecompanywithlike-mindedBostonmillowners.Throughoutthenext20years,othermutualinsurancecompanieswereaddedtothegrouproster.Together,thesecompaniesandtheonesthatlaterevolvedsoonbecameknownastheAssociatedFactoryMutualFireInsuranceCompanies,ortheFactoryMutuals,forshort.

Lossinformationhelpedidentifyspecificindustryhazardsandwasusedindevelopinglosscontrolrecommendationsforpolicyholdersinsimilarindustries.SuchinformationwassharedamongalltheFactoryMutual(FM)insurancecompanies,andwasutilizedbytheinspectionteams.AstheFMcompaniesgrew,however,theinspectionworkloadbecamedifficulttomanage.By1878,theFMcompaniesformedadedicatedunittohandlethecollectiveinspectionactivitiesforalltheFMpolicyholders.Thisuniquegroupoflosscontrolspecialistsinitiallyprovidedonlyinspectionservices.Thegrouplaterbeganperformingappraisalsandadjustments,lossanalysisandresearchactivitiesassociatedwithpreventingfireandotherhazardsinordertobenefitthemutualinsurancecompanyownersandtheirpolicyholders.Today,alloftheseservicesremaincomponentstoFMGlobalintheformofengineeringandresearch.

TheFMcompanies‘maininterestsinthelate1800sandearly1900sremainedfocusedonresearchinganddevelopingproductsortechniquesthatwouldhelpmitigatepropertyrisksandadvancetheeffortsofpropertyconservation.In1874,arevolutionaryformoflosscontrolenteredthelosspreventionscene:thefiresprinkler.WhiletheinventionwasdesignedandlaterperfectedbyentitiesoutsidetheFMrealm,FM‘ssupportandpromotionoftheproductaidedinitseventualwidespreaduseandacceptance.

The20thCentury

Thebeginningofthe20thcenturybroughtsignificantchangetotheFMcompanies.WhereoncethemutualinsurancecompaniesfocusedprimarilyonthefamiliarbusinessoftextilesprimarilywithintheNortheastregionoftheUnitedStates,newcompaniesbegantoformthatsoughtbusinessbeyondthetraditionalgeographicalboundaries.Thesemutualsbeganbranchingoutintootherindustries,suchasshoeandrubbermanufacturers,foundriesandlight,gasandpowercompanies,whilestillmaintainingtheirpreferenceforlow-riskproperties.

Duringthenext75to80years,theneedformorecomprehensivepolicyholdercoveragegrew,forcingaseriesofconsolidationsamongtheFMcompanies.By1987,42separatemutualinsurancecompanieshadbecomethree:AllendaleMutualInsuranceCompany,Johnston,R.I.,USA;ArkwrightMutualInsuranceCompany,Waltham,Mass.,USA;andProtectionMutualInsuranceCompany,ParkRidge,Ill.,USA.Thethreeseparateorganizationsfounditdifficulttodelivercompetitivelypriced,value-addedengineeringservicesinamarketplacefullofincreasingcompetitionandademandformorechallengingpropertyprotectionprograms.Thethreecompaniesweresharingtheresourcesofaninspectiongroup,yetwerecompetingwithoneanotherforcustomers.Inordertoreducecompetitionandcosts,in1998theCEOsannouncedtheirintenttomergethethreecompaniestocreateFMGlobal.Themergerwascompletedin1999.

FMGlobalToday

FMGlobalisaninternationalpropertyinsuranceandlosspreventionengineeringcompanywithUS$4.3billionofin-forcepremium(FY2006),US$5.2billioninpolicyholders‘surplus(FY2006),withclientsinmorethan100countries.

CurrentFMGlobalclientsdonotnecessarilyreceivelowerpremiumsuponcompletionoflosspreventionrecommendations.Althoughamutualcompany,FMGlobalchargessomeclientsthemarketdrivenrateresultingfromcompetitivepressurescomparabletoprivateinsurancecompanies.However,otherpositiveaspectsmayresultfromriskreduction,suchasbetterinsurancetermsforlimitsorcapacity,andavoidanceoflossofmarketshare,lossofworkforce,andreducedproductiondowntime.

FMGlobalResearch

FMGlobal’s1,600acre(648ha)ResearchCampus[3]inWestGlocester,R.I.,USA,conductstestinginfireandexplosionhazards,hazardsdetectionandprotectiontechnology,naturaldisasters(flooding,winddamage,etc.),electricalhazards,andautomaticsprinklerhydraulics.Thesetestsrangefromwitnessingthedifferenceinhowproductsburntohowconstructioncomponentsperforminhurricaneconditions.

FM全球公司产品认证范围

产品认证范围包括：

消防部门：自动喷淋系统、阀门和消防栓、管道和管道连接件、消防泵和控制器、水喷雾系统、灭火器、防回流装置、可燃液体和可燃气体防护设备。

建筑材料部门：屋面系统、夹心板及三文治板/屋面板、洁净室建筑材料、冷却塔及空气处理设备、管道和风管、电线电缆、防火堵材、泄爆阀和泄爆墙、防火门和门框、阻燃液压油。

电器部门：危险环境中使用的防爆电器、电伴热系统、应急安全切断阀门、燃气燃油安全控制装置、探测器和报警系统、电气报警设备、功能性安全设备。

商家选择FM认证，就等于进入了FM全球保险项目的市场，进入全球市场，同时使自己的产品有别于没有经过认证的产品，即增加了产品的实力，又节省了进入市场的时间。FM认证为商家减少了认证成本，减少了内部成本，减少了审核次数，把审核结合起来（FMApprovals，CPD，ATEX，IECEx，ISO），容易修改产品设计；减少产品生产周期的成本。