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

Authorities and Requirements

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 visits will be determined by the value of the property, or perhaps the loss exposure the property represents. These visits determine if a property is acceptable for their insurance programs when measured against their 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.

FM Global has many divisions, such as the Approvals Group. As a highly protected risk insurer of large valued properties, they must pay attention to the fire protection levels at the properties they insure. These emblems are known as "fire marks." Many insurance companies founded or contracted with fire departments in colonial and post-colonial times. If the property was insured, the insurance company fire mark was placed on the building, and the fire department would attempt to fight and suppress the fire. If there was no fire mark...
NOTE: This is an unformatted excerpt from our online fire protection training library.

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