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1、 FM全球公司-详解 本条目包含过多不是中文的内容，欢迎协助翻译。若已有相当内容译为中文，可迳自去除本模板。FM全球公司(FM global)FM全球公司网站网址：目录 1 FM全球公司简介 2 FM全球公司产品认证范围 3 相关条目FM全球公司简介FM全球公司是世界上最大的工商业保险公司之一，FM全球公司通过其所属的FM认证（FM Approvals）机构向全球的工业及商业产品提供检测及认证服务。FM认证的证书在全球范围内被普遍承认，而且FM全球公司的保险客户也更倾向于使用通过了FM认证的产品，它向消费者表明该产品或服务已经通过美国和国际最高标准的检测。FM认证机构也是欧洲以外唯一能够直接对
2、消防产品颁发CE标识的机构。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
3、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；ISO 9000注册：FM是ISO 9000的注册机构，可以为企业进行ISO 9000体系审核。FM Global is a U.S.-based insurance company, with offices worldwide, that specializes in loss prevention services primarily to large corporations throughout
4、 the world in the Highly Protected Risk (HPR) property insurance market sector. FM Global has been named the Best Property Insurer in the World” by Euromoney MagazineThe company employs a non-traditional business model consisting of: The provision of only HPR property insurance, rather than providin
5、g other types of insurance or consulting services independently. The provision of services either directly to their clients, or through insurance brokers. Mutual ownership, allowing management to take a long term approach to strategic planning. A mutual company is owned by the companies which are in
6、sured. This form of private ownership buffers monetary performance from short term impacts (i.e., unlike publicly owned companies, which may have to react quickly to quarterly or yearly stock losses). The belief that all property losses can be prevented or mitigated. This leads to loss research and
7、advice to clients emphasizing the changes to operations and facilities to mitigate the effects of specific hazards. FM Global encourages clients to make improvements to their property or work practices in an attempt to reduce risks and minimize financial impact to the customer and insurance company
8、if a loss occurs. As such, the goal of the relationship between FM Global and each company that is insured is to agree to long term risks which are commensurate with risks taken by other similar companies insured by FM Global.HistoryDuring the depression of 1835, Zachariah Allen, a prominent textile
9、 mill owner, attempted to reduce the insurance premium on his Rhode Island, USA, mill by making property improvements that he believed would minimize the damage in case of fire. At that time, insurance premium increases for losses were shared among all insureds, regardless of individual loss history
10、. The concept of loss prevention and control was virtually unheard of at the time. To Allen, a proactive approach to preventing losses made good economic sense.After making considerable improvements to his mill, Allen requested a reduction in his premium, but was denied. He called upon other local t
11、extile mill owners who shared his loss prevention philosophy to create a mutual insurance company that would only insure factories with lower risks. This approach should result in fewer losses and smaller premium payments. Whatever premium remained at the end of the year would be returned to policyh
12、olders in the form of dividends. The group agreed, and by years end, formed the Manufacturers Mutual Fire Insurance Company, the oldest predecessor of FM Global.During the companys first 14 years, the mill owners and mutual policyholders of Manufacturers Mutual enjoyed an average 50-percent reductio
13、n in premium compared with what other insurance companies were charging. The fire prevention methods they developed, monitored by regular fire inspections for mill policyholders, resulted in fewer losses. Despite its initial success, one problem remained for the pioneer mutual insurance company: a s
14、ingle mutual insurance company could not withstand the financial cost of the loss of an entire plant. More insurance capacity was needed, so in 1848, Allen formed another mutual insurance company, Rhode Island Mutual.ExpansionIn 1850, Boston Manufacturers Mutual Fire Insurance Company, the third-old
15、est FM Global predecessor, was created when Allen convinced a Boston merchant with significant cotton-mill ownership to form his own mutual insurance company with like-minded Boston mill owners. Throughout the next 20 years, other mutual insurance companies were added to the group roster. Together,
16、these companies and the ones that later evolved soon became known as the Associated Factory Mutual Fire Insurance Companies, or the Factory Mutuals, for short.Loss information helped identify specific industry hazards and was used in developing loss control recommendations for policyholders in similar industries. Such information was sha
