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NOTE: This is an unformatted excerpt from our online fire protection training library.

Authorities, Specifications and Codes & Standards

Authorities

Insurance Companies

Insurance companies that insure larger, more valuable properties will have their own loss prevention staff that will periodically visit a facility. The frequency of the visit will be determined by the value of the property or perhaps the loss exposure the property represents. These surveys determine if a property is acceptable for its insurance programs when measured against the insurance company's standards of fire protection and construction and will determine if the occupancy is one that the insurance company is willing to insure.

These insurance companies will usually measure the risk of the property in view of the concepts of a “highly protected risk (HPR)”. Companies such as Factory Mutual Global (FM Global) operate in this fashion. Other companies not as large as FM Global may also use some or all of the HPR concepts when judging a risk.

These insignia are known as "fire marks." They originated at a time when fire protection was provided by private fire companies that would only protect the property of subscribers. The private fire company would only fight a fire if the building carried the right fire mark.
NOTE: This is an unformatted excerpt from our online fire protection training library.

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