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20-618: (Redirected from F-M ) [REDACTED] Look up FM  or fm in Wiktionary, the free dictionary. FM or Fm may refer to: Technology and computing [ edit ] Frequency modulation , a radio broadcasting technology FM broadcasting FM broadcast band .fm , country-code top-level domain (ccTLD) of the Federated States of Micronesia FM Towns , Fujitsu personal computers Nissan FM platform ,

40-523: A Canadian duo Far East Movement , a quartet in Los Angeles, US Other uses in music [ edit ] FM (soundtrack) to the 1978 film FM " FM (No Static at All) ", a song from the soundtrack FM Records , a record label "FM" (short for "frequent mutilation"), a song by The Slits FM (EP) , 2015, by South Korean Crayon Pop FM! , a 2018 album by Vince Staples F minor , chords and scale FM (album) , 2006, by

60-455: A car layout Volvo FM , heavy truck range Adobe FrameMaker , document processing software Science and medicine [ edit ] Femtometre (fm), a unit of length Femtomolar (fM), a unit of molar concentration Fermium , (Fm) a chemical element FM (chemotherapy) regimen Family medicine Sports and games [ edit ] FIDE Master , a chess title Formula Mazda , in car racing Football Manager ,

80-481: A designator for roads in Texas, US See also [ edit ] [REDACTED] Search for "fm" , "f-m" , or "fms" on Misplaced Pages. All pages with titles beginning with FM All pages with titles containing FM F&M (disambiguation) FMS (disambiguation) Topics referred to by the same term [REDACTED] This disambiguation page lists articles associated with

100-433: A loss occurs. During the depression of 1835, Zachariah Allen , a prominent textile 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. The concept of loss prevention and control

120-800: A marketplace full of increasing competition and a demand for more challenging property protection programs. The three companies were sharing the resources of an inspection group, yet were competing with one another for customers. To reduce competition and costs, in 1998 the CEOs announced their intent to merge the three companies to create FM Global. The merger was completed in 1999. FM is an international property insurance and loss prevention engineering company with US$ 5.3 billion of in-force premium (FY2016), US$ 11.9 billion in policyholders' surplus (FY2016), with clients in more than 100 countries and 5500 employees. FM awarded its largest ever membership credit in 2016 of US$ 407 million, intended to allow clients to share in

140-442: A non-traditional business model whereby risk and premiums are determined by engineering analysis as opposed to historically based actuarial calculations. This business approach is centered on the belief that property losses can be prevented or mitigated. FM engineering personnel regularly visit insured locations to evaluate hazards and recommend improvements to their property or work practices to reduce physical and financial risks if

160-551: A revolutionary form of loss control entered the loss prevention scene: the fire sprinkler. While the invention was originally designed outside the realm of FM, FM's further development and promotion of the sprinkler head aided in its eventual widespread use and acceptance. FM constructed a training and meeting space in Norwood, Massachusetts that is branded as a Four Points by Sheraton hotel. The facility includes convention/meeting spaces, guest rooms that are available to be booked by

180-586: A video game series Film and television [ edit ] FM (film) , 1978 FM Fun Aur Masti or FM , 2007 film FM (TV channel) , US FM (American TV series) , 1989–1990 FM (British TV series) , 2009 Literature [ edit ] F.M. (novel) , by Boris Akunin Famous Monsters of Filmland , magazine Code for United States Army Field Manuals Music [ edit ] Musical artists [ edit ] FM (British band) FM (Canadian band) FM Static ,

200-1033: The Turkish band Replikas Businesses and organizations [ edit ] First Manhattan , a New York-based financial management company FM Global , a mutual insurance company Franklin & Marshall College or F&M, Lancaster, Pennsylvania, U.S. Future Movement , a Lebanese political party Shanghai Airlines , IATA code People, jobs, characters [ edit ] FM-2030 (1930–2000), transhumanist philosopher Titles [ edit ] Field marshal , an army rank First Minister Finance Minister Foreign Minister Places [ edit ] Federated States of Micronesia (ISO 3166-1 country code, FIPS PUB 10-4 territory code, and postal code) Province of Fermo , Italy, vehicle registration code Fayetteville-Manlius Central School District (F-M), Syracuse, New York, U.S. Other uses [ edit ] Facility management , of logistics for buildings Farm-to-market road (FM),

220-469: The benefits of their risk improvement efforts, totalling nearly US$ 2.1 billion in total premium reduction via membership credits since 2001. In 2014, Shivan Subramaniam resigned from his role as FM Global's CEO, but remained on the company's board of directors. His role was assigned to the company executive Thomas Lawson. In 2021, FM appointed Malcolm C. Roberts as its president, effective August 1. Roberts will also become CEO, on January 1, 2022, following

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240-698: The end of the year would be returned to policyholders in the form of dividends. The group agreed, and by year's end, formed the Manufacturers Mutual Fire Insurance Company, the oldest predecessor of FM. During the company's first 14 years, the mill owners and mutual policyholders of Manufacturers Mutual enjoyed an average 50% reduction in premiums compared with the premiums of other insurance companies. 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

260-406: The mutual insurance company owners and their policyholders. Today, all of these services remain components to FM in the form of engineering and research. The FM companies' main interests in the late 19th century and early 20th century remained focused on researching and developing products or techniques that would help mitigate property risks and advance the efforts of property conservation. In 1874,

280-605: The next 20 years, other mutual insurance companies were added to the group roster. Together, 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

300-583: The next 75 to 80 years, the need for more comprehensive policyholder coverage grew, forcing a series of consolidations among the FM companies. By 1987, 42 separate mutual insurance companies had become three: Allendale Mutual Insurance Company, Johnston , R.I., USA; Arkwright-Boston Manufacturers Mutual Insurance Company, Waltham , Mass., USA; and Protection Mutual Insurance Company, Park Ridge , Ill., USA. The three separate organizations found it difficult to deliver competitively priced, value-added engineering services in

320-503: The pioneer mutual insurance company: a single mutual insurance company could not withstand the financial cost of the loss of an entire plant. More insurance capacity was needed. In 1848, Allen formed Rhode Island Mutual. In 1850, Boston Manufacturers Mutual Fire Insurance Company, the third-oldest 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

340-786: The public when not in use by FM, and an on-site restaurant, the One Bistro. The beginning of the 20th century brought significant change to the FM companies. Where once the mutual insurance companies focused primarily on the familiar business of textiles primarily within the Northeast region of the US, new companies began to form that sought business beyond the traditional geographical boundaries. These mutuals began branching out into other industries, such as shoe and rubber manufacturers, foundries and light, gas and power companies, while still maintaining their preference for low-risk properties. During

360-654: The title FM . If an internal link led you here, you may wish to change the link to point directly to the intended article. Retrieved from " https://en.wikipedia.org/w/index.php?title=FM&oldid=1257932962 " Categories : Disambiguation pages Place name disambiguation pages Hidden categories: Short description is different from Wikidata All article disambiguation pages All disambiguation pages FM">FM The requested page title contains unsupported characters : ">". Return to Main Page . FM Global The company employs

380-627: Was shared among all the Factory Mutual (FM) insurance companies, and was utilized by the inspection teams. As the FM companies grew, the inspection workload became difficult to manage. By 1878, the FM companies formed a dedicated unit to handle the collective inspection activities for all the FM policyholders. This unique group of loss control specialists initially provided only inspection services. The group later began performing appraisals and adjustments, loss analysis and research activities associated with preventing fire and other hazards to benefit

400-511: 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 textile mill owners who shared his loss prevention philosophy to create a mutual insurance company that would insure only factories with lower risks. This approach should result in fewer losses and smaller premium payments. Whatever premium remained at

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