Key Components of FM Global Fire Protection FM Global's approach is centered on the belief that most property losses are preventable through engineering analysis and robust protective measures. FM Property Loss Prevention Data Sheets: These publicly available guidelines incorporate research and decades of loss experience to provide detailed instructions for designing, installing, maintaining, and testing fire protection systems. They cover a wide range of topics, from fire alarms and sprinkler systems to specific hazards like ignitable liquids and dust explosions. The data sheets are accessible free of charge on the FM Global website. FM Approvals: This is an independent certification body that tests products and services to ensure they meet the highest standards for property loss prevention. Products carrying the “FM Approved“ mark have undergone rigorous testing for fire resistance, safety, and quality. Using FM Approved products is often a requirement for obtaining FM Global insurance coverage. Engineering and Research: FM Global operates a state-of-the-art Research Campus where full-scale fire testing is conducted. This research drives the development of new, cost-effective fire suppression technologies and informs updates to both internal data sheets and external national/international fire codes and standards (e.g., NFPA). Risk Management Services: FM Global engineers work directly with insured businesses to evaluate specific hazards and recommend property improvements to minimize risk. The goal is to enhance business resilience and ensure continuity. Fire Hazards and Solutions Covered FM Global addresses numerous fire risks through specific guidance and approved solutions: Flammable materials: Research into material flammability helps guide the use of fire-resistant construction materials and the prediction of fire spread. Fire Suppression: Extensive research and guidance exist for water-based fire suppression, including the design of sprinkler and water supplies appropriate for various storage configurations and commodities. Explosions: The company provides methods for understanding and protecting properties from gas and dust explosions. Human Element: Emphasizing a culture of safety, FM Global offers resources like the “Red Tag Permit System“ for safely managing impairments to fire protection systems and the “Guide to Hot Work Loss Prevention“. By adhering to these standards, businesses can reduce the likelihood of major losses, minimize damage if a fire occurs, and potentially lower their insurance premiums.