FM (Factory Mutual)

Definition

Factory Mutual (FM) is a global organization that provides loss prevention services, including research, engineering, and risk management, to help businesses prevent property damage and ensure safety through rigorous standards and certification processes.

Purpose

The purpose of FM is to minimize property loss, enhance safety, and ensure operational continuity by setting high standards for building materials, equipment, and practices. FM certification signifies that products and services meet stringent safety and performance criteria, providing assurance to businesses and insurers.

Examples of Use

• Industrial facilities use FM-certified fire suppression systems to ensure compliance with safety standards and reduce insurance premiums.
• Construction projects often specify FM-approved roofing materials to guarantee durability and resistance to severe weather conditions.
• Data centers implement FM Global risk management practices to protect critical infrastructure from fire, flooding, and other hazards.

Related Terms

• UL (Underwriters Laboratories): An organization that tests and certifies products for safety and compliance with industry standards.
• NFPA (National Fire Protection Association): A global nonprofit organization that develops and publishes fire safety codes and standards.
• ISO (International Organization for Standardization): An independent, non-governmental international organization that develops and publishes standards for a wide range of industries.

Notes

FM certification is recognized worldwide as a mark of quality and safety. Products and practices that meet FM standards often benefit from lower insurance costs and higher trust among clients and stakeholders.

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