(FSC FM Global’s channel Money€¦ · 2017 high-rise building fires, including those at the Marco Polo Apartments in Honolulu, Hawaii, USA, and the Torch Tower in Dubai, United

MakersWhen you literally print money, resilience is a necessity

Money

CHEMICAL REACTIONHPR plant means secure supply chain, happy customers at Twin Rivers Technologies

RESILIENCE REWARDED Land O’Lakes’ proactive steps improve flood mitigation at critical dairy facility

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REASONproperty risk and insurance solutions for a complex world ISSUE 1 : 2018

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UE

1 : 2018

The World Is a Risky PlaceHow resilient are the countries where you operate?Make smarter business decisions with the 2018 FM Global Resilience Index, which compares the enterprise resilience to disruptive events of nearly 130 countries. View country rankings for risks like cyber threats, natural hazards and local supplier quality.

Learn more at fmglobal.com/resilienceindex.

When Resilience Is a NecessityThe need for a secure location, near its customers and within the European Union, drove Crane Currency to build a highly protected risk facility in the tiny island nation of Malta.

Water, Water, EverywhereLearn how to prevent, manage and mitigate liquid damage loss events with the Liquid Damage Loss Control Center.

The Perfect Formula for TragedyAn FM Global white paper looks at how the exterior cladding and the lack of sprinklers contributed to the tragic fires at Grenfell Tower in West London (U.K.) and high-rise buildings in Dubai (UAE) and Honolulu, Hawaii (USA).

A New Angle on Roof Protection Do you have sloped ceilings in your ware-house? Find out what challenges you face when they are obstructed in the research report Numerical Modeling of Sprinkler Activations and Spray Transport under Obstructed, Sloped Ceilings.

youtube.com/fmglobal fmglobal.com

Power CoupleFM Global and East Kentucky Power Cooperative (EKPC) work together to manage EKPC’s boiler and machinery risk.

2017 Annual ReportOur clients bring uncommon knowledge to all that they do. See how that knowledge, combined with FM Global’s scientific and engineering expertise, helps our clients protect their properties.

Mapping RiskFM Global flood researchers describe the newest innovation in flood exposure in a five-part Global Flood Map series.

Find this exclusive coverage at fmglobal.com.View more perspectives at youtube.com/fmglobal.

Issue 1 : 2018 REASON 3

FEATURE ARTICLES

24 Change Is in the AirFM Global testing is changing the way aerosol products are sold in the U.S.

26 It's Another WorldHow alternate reality checks can make you more resilient.

30 Raining Down on RiskTwin Rivers Technologies has invested millions of dollars in fire protection at its chemical processing facility, helping ensure a steady flow of products to its customers.

36 Hello, Flood. We've Been Expecting You.Learn how a visit to FM Global's Research Campus resulted in a quick flood loss recovery for food and agriculture co-op Land O’Lakes.

44 Cashing in on MaltaCrane Currency is one of the leading producers of bank note paper in the world. On the tiny island of Malta, it now has one of the best, and safest, production facilities ever built.

NOTEWORTHY

06 High-Rise Exterior Cladding

06 Big, Bad Hail

07 Liquid Damage Loss Control Center

07 Making the Grade

IDEA

08 10 Ways to Jump-Start Recovery from a Natural Disaster

12 5 Common Generator Problems and How to Avoid Them

17 Getting to Know International Building Codes and Standards

VOICES

20 The Power of Risk Management

08 12 17

table of contents ISSUE 1 : 2018

30 36 44

4 REASON Issue 1 : 2018

EXECUTIVE DIRECTOR Allison Barry

MANAGING EDITOR Patty Iannotti

[email protected]

ART DIRECTOR Liz Picillo

[email protected]

EDITORIAL

editors Amy Carbone, Judy Downey,

John Larson, John Rufo, Steve Turgeon

technical editor John C. Harrington

ART

creative director Rebecca Marino

contributing photographers Devlo Media, Erika Gerdemark,

Joel Haskell, Joe Treleven

PRODUCTION

production manager Kim Wachter

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W00494 © 2018 FM Global. All rights reserved. FM Insurance Company Limited, 1 Windsor Dials, Windsor, Berkshire, SL4 1RS. Authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority

REASONcontributors

FM Global’s Vice President and Manager of Staff Claims Doug Backes is a 30-year claims veteran. He leads recoveries following devastat-ing catastrophes, including last season’s Hurricanes Harvey, Irma and Maria.

Christopher Wieczorek, Ph.D., is vice president and manager of international codes and stan-dards at FM Global. He has led efforts to provide education and data to countries throughout the world where the company’s clients are establishing them-selves and engaged in new construction.

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10 Ways to Jump-Start Recovery from a Natural Disaster

Getting to Know International Building Codes and Standards


editorial note

Money in the bankRisk improvement investments pay off

Tim Golden, the risk manager at Crane Currency, likes to say, “The only good claim is no claim.” And we couldn’t agree more. It has been our philosophy for more than 180 years, although we like to say it a little differently—the majority of loss is preventable. However you say it, our success is built on working with clients who believe in loss prevention and risk mitigation. Inside this issue, we look at how three clients put those beliefs into action. At Crane Currency, that philosophy is apparent wherever you look—from western Massachusetts, USA, where the company started, to the tiny island nation of Malta, where Crane has built a state-of-the-art production facility. After all, when dealing with the sovereign wealth of nations, resilience is a necessity. This issue also looks at the work Twin Rivers Technologies did to earn highly protected risk (HPR) status at its chemical plant in Quincy, Massachusetts. HPR is quite a feat for a chemical processing plant, and Twin Rivers went to great lengths to achieve it. You can also read about how Land O’Lakes’ renewed commitment to loss prevention was inspired by a trip to the FM Global Research Campus. That trip, and some well-placed Tiger Dams, helped Land O’Lakes avoid a multimillion-dollar flood loss.


High-rise exterior claddingCan it take the heat?Builders’ choice. Exteriors can be clad to look good on the outside, weather the elements or provide energy efficiency. But can they take the heat? To improve fire prevention, FM Global outlines the strengths of a proposed fire testing protocol in a new research technical report, Evaluation of the Fire Performance of Aluminum Composite Material (ACM) Assemblies Using ANSI/FM 4880. It complements the recently released FM Global white paper, Grenfell: The Perfect Formula for Tragedy, that explores the dangers of combustible cladding. In that paper, Christopher Wieczorek, Ph.D., FM Global manager of international codes and standards, explores deadly 2017 high-rise building fires, including those at the Marco Polo Apartments in Honolulu, Hawaii, USA, and the Torch Tower in Dubai, United Arab Emirates, as well as the Grenfell Tower fire in London, England. These fires shared a common formula: Highly Combustible Construction + Lack of Automatic Fire Sprinklers = Tragic Catastrophic Loss. Costly and sometimes fatal fires in some of the world’s newest and tallest buildings have recently been stoked by highly com-bustible exterior cladding chosen for aesthetics, energy efficiency, weatherproofing and cost-effectiveness—not safety. Some cladding combinations are not subjected to fire testing. Rather, they meet desktop combustibility assessments that can fall short and lead to tragic results in an actual fire.

noteworthy

FM Global regularly conducts fire research and participates in global building code improvement efforts. That’s why FM Global proposes a better testing protocol that follows in-depth examina-tion of exterior wall systems made of metal composite materials (MCMs) or ACMs using 16-foot-high (4.9 meter) parallel panels. “While many fire engineering firms perform desktop assess-ments in good faith,” explains Louis Gritzo, Ph.D., vice president, manager of research at FM Global, “current practices and regula-tions introduce the possibility that substandard, dangerous assem-blies will slip through the cracks." “We can’t afford to take this risk as buildings burn and lives are lost, even in the developed world,” Gritzo explains. “We believe the protocol in ANSI/FM 4880 is a key to the solution.”

Download the reports at fmglobal.com/insights-and-impacts.

Big, bad hailNew hail map predicts severity and frequency of hail in USYou can now better understand your exposure to damaging hail in the United States thanks to FM Global’s new hail hazard map. The new map identifies both the severity and frequency of hail, providing a deeper understanding of hail risk. This more qualitative data can help you develop cost-effective loss prevention actions. Advanced modeling techniques, combined with data from more than 300,000 hail events across the U.S. since 1955, enabled FM Global researchers to develop the map. Hail maps for other regions of the world are in development. Evaluating hail size and hailstorm frequency together are essential for quantifying the hail hazard, because the extent of damage strongly depends on hail size. Other hail hazard maps only look at hail frequency. The FM Global hail map predicts the frequency of hail large enough to cause significant property damage. The map can be used with the updated FM Global Property Loss Prevention Data Sheet 1-34, Hail Damage, to help determine appropriate FM Approved roofing solutions. The new map is viewable in the Map Center on the FM Global client sites MyRisk® and AFM® Online.


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Liquid Damage Loss Control Center How FM Global helps you reduce your liquid damage losses

Nearly half of all FM Global property loss events are from escaped liquids. Unwanted liquid damage can result from incidents such as leaky roofs, domestic water line bursts and sewage backup. At times, liquids seep in silently and undetected, resulting in minor, yet frequent, losses. Often, liquid damage occurs due to undetected leakage and burst piping that lead to severe costs in damaged equipment and even loss of production. To help stem the tide, FM Global created the online Liquid Damage Loss Control Center that you can reach at fmglobal.com/liquid. The center puts loss prevention resources at your fingertips. Resources include: ■■ Understanding the Hazard:

Liquid Damage■■ Liquid Damage: Guidelines for

Healthcare and Education Facilities

■■ Emergency Response Plan template that you can personalize for each of your facilities

■■ FM Global Property Loss Prevention Data Sheet 1–24, Protection Against Liquid Damage

■■ Order link to domestic water shutoff tags to be used for identification of valves when a water event occurs

■■ Loss Alerts: stories that help you learn from losses

Prepare now and lessen any liquid damage event that may occur at your facil-ity. Reducing the frequency and severity of liquid damage losses is within your power. Use the Liquid Damage Loss Control Center today.

Making the gradeFM Global lauded by two major financial ratings companies A.M. Best and S&P Global have each affirmed FM Global’s A+ financial strength rating and “Stable” outlook. A.M. Best cited FM Global as a “well-run organization” whose specialty focus gives the company “a distinct competitive advantage over most insurers.” In its evaluation, S&P Global noted that FM Global is an “industry leader in engineer-ing-based property underwriting and research” and provides “highly valued, customized loss prevention services.” To read the full reports, visit fmglobal.com/financialhealth.

Watch how liquid can silently seep into your facilities, and how to use the Liquid Damage Loss Control Center to prevent, manage and mitigate liquid damage loss at fmglobal.com/liquid.


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Ways to Jump-Start Recovery from a Natural DisasterBy Doug Backes, vice president and manager, staff claims, FM GlobalOriginally published in Financial Executives International Daily


ideaidea

How you respond to a natural disaster can make a tremendous difference in how soon you get back in business and how smooth the claims

process can be. Here’s some advice on how to respond if you’ve just been hit by a hurricane or are in the path of one.

hospitals, drug companies, communication providers, power generators, food distribu-tors, contractors and everyday employers who supply their staff with cash—often the only viable financial instrument in a disaster.

There are two ways hurricanes can disrupt a business:■■ Directly: Wind can blow commercial

property down and rip it apart. Ensuing flood can ruin raw materials, products, records, driveways, furniture, data centers and more.

■■ Indirectly: While your company’s property may survive the direct effects of a hurricane, the storm can still cause lengthy interruptions to your business operations due to damage to your key suppliers’ and customers’ operations; critical services such as electricity, fuel, water and data; and the transpor-tation networks around you.

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CONSULT YOUR PRE-LOSS PLAN.

If you have a pre-loss plan and a dedicated internal crisis response team, congratula-tions. Activate the plan, trust the team and be ready to make adjustments as conditions warrant. Some common elements in a pre-loss plan are among the next nine items.

CHECK ON EMPLOYEES.

Track down your people to ensure they’re all safe. Remember that they will have been affected by the same event and may be dealing with their own crises.

A hurricane strikes. What now?How you respond to a natural disaster can make a tremendous difference in how soon you get back in business and how smooth the claims process can be. Here’s some advice on how to respond if you’ve just been hit by a hurricane or are in the path of one:

3 DOCUMENT LOSSES.

Next, focus on ensuring everything is docu-mented: the physical damage, the effects on your business, and the expenses you’re incurring to respond and recover. Gener-ally, you’ll be thinking along two poten-tially overlapping tracks: property damage and business disruption. If your company is untouched but a hurricane is wreaking havoc on your partners and the community, document those costs just as meticulously as if a tree caved in your roof.

US$210 billion = economic losses in 2016

Three ferocious hurricanes blindsided many property owners in the United States in 2017, though blindsided might be too strong a term. Financial executives, along with everyone else, had seen the weather forecasts. And natural disaster seems more common these days. In fact, in 2016, global natural disas-ters combined to cause economic losses of US$210 billion, an amount 21 percent above the 16-year average of US$174 billion, according to Aon Benfield. The 2016 losses were attributed to 315 separate events, compared to an average of 271. Given the realities of the climate, no one’s expecting natural disasters to tail off. So, wherever you are in the world, you could be next.

Resilience mattersIn addition to claiming lives and destroy-ing homes, catastrophes disrupt businesses that people depend on for survival—e.g.,


idea

MITIGATE.

ANALYZE BUSINESS DISRUPTION.

Jump-start recoveryFollowing these 10 recommendations should help you jump-start recovery in two ways. First, you will mitigate your loss and recover more quickly. The quicker your recovery, the quicker you can get back to why you’re in business in the first place. And that is good for your customers and shareholders. Second, with everything documented and communication established, your insurer might be willing to cut you a check early in the process as an advance on your final settlement. Advance payments can and ought to be made early in the claim.

Pre-loss planTaking steps like these amid a hurricane will help get your company back in busi-ness as soon as possible and assist you to get a full and fair settlement. There’s no reason to wait until a catastrophe: It’s espe-cially smart to engage in pre-loss planning with your insurer. This can create a strong relationship that will pay dividends when the hurricane does strike. That means before a storm even approaches, you’re sitting down with your insurer and going over what will happen if a storm—or fire or earthquake or cyber attack—ever occurs. You’ll discuss the insurer’s role, your role and the policy’s role. You can lay out your expectations and come away with ideas on what you can do now to be resilient. Better to plan for something that never occurs than have something occur you wish you’d planned for. Especially when you can see it coming.

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KNOW YOUR INSURANCE POLICY.

The property insurance policy is the main vehicle by which financial recovery for the loss will take place. Refresh your memory on the terms, conditions, processes and deadlines. Hurricanes bring wind and flooding, but sometimes these hazards are separated in an insurance contract. Make sure you understand how your policy works.

COMMUNICATE.Contact your insurer as soon as possible. If you’ve chosen the right insurer, the company will be your trusted partner in last-minute prevention, damage assessment, mitigation and recovery. Don’t be reticent: A common mistake is acting in a vacuum and shutting out your insurer until you’re ready to make your claim. Rather than giving you leverage, this approach makes it harder to capture all the costs you’ll want to recover and can delay reimbursement. Good insurers truly want to pay clients every penny owed under the policy. The more open the process is, the better the chance of a full recovery.

Do what you can to mitigate damage, both to your property and business. Address precarious conditions such as roofs or walls that are about to collapse. Restore fire protection. Talk to your insurance adjuster about creative ways you might get back in business quickly, e.g., through alternate facilities or suppliers.

TRACK SPENDING.

Establish a loss control account in the company’s records or general ledger. All loss expenses should be charged to this account. Retain all estimates, purchase orders, invoices, time sheets, contracts, etc., to ensure all costs are captured.

IDENTIFY CAUSES.

Retain any piece of equipment that may be a contributing cause of loss. Tag and identify it along with the time and date of the incident. This can help to prevent recur-rence and can also aid in the subrogation investigation.

TAKE PHOTOGRAPHS.

It is true that a picture is worth a thousand words. Take as many pictures of the dam-age as possible. And document the repair process with pictures. This will assist in the entire claims process.

The goal of business interruption coverage is to do financially for your business what it would have done absent the physical dam-age. The process of determining what your business would have done can be compli-cated. Pre-loss sales, post-loss sales and makeup capabilities can all factor in. Be prepared to work with the adjuster to come to agreement on the method by which the business interruption loss will be calculated and measured.

■

In fact, we’ve been working on it since 1999.

FM Global has been at the leading edge of protecting against cyber risk, providing its clients with comprehensive first-party property cyber coverage for malware, denial-of-service attacks and cloud interruption, as well as resulting property damage and business interruption.

And, we offer an industry first: Cyber Optimal Recovery, an endorsement to our all-risk FM Global Advantage® policy that helps maximize a client’s recovery from a cyber-related loss.

Set your mind at ease by asking your client service team for further details.

Visit fmglobal.com/cyber.

IS CYBER SECURITY ON YOUR MIND? OURS TOO.


idea5idea

Common Generator Problems and How to Avoid ThemKeep your standby generator working when you need it most


idea

When a hurricane or another disaster strikes, widespread power outages often leave the affected areas without electricity for weeks,

sometimes months. As a result, standby generators become a necessity until the power grid can be fully restored.

First things first: steps to take during an emergencyDuring an emergency, you should take these steps immediately to ensure that the generator will operate reliably for as long as you need it:

1. Shut down noncritical electrical equipment to allow the generator to operate at lower loads—preferably at 80 percent load, or less.

2. Conduct a visual inspection every eight hours to check for irregularities in operating conditions such as temperature, vibrations, abnormal noises, alarms and to detect leaks.

3. Make sure that technical personnel or maintenance contrac-tors are available so problems can be corrected or repairs can be made quickly if needed.

HAVE A PLAN BBackup generators like this are a powerhouse in waiting. Ensure they’re primed to take over when needed.

If more than one emergency generator is available, alternate operation of units during low-consumption hours. You can then perform a detailed inspection on the unit taken out of service for oil and cooling water levels, and the unit can cool down slowly. Also, during periods of high power demand, be sure to distrib-ute the load evenly between the units that are in operation.

✓

✓

✓


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The Importance of Regular MaintenanceWhile standby generators may not be used for long periods of time between storms, the number one reason for failure of this equipment when it is needed is lack of regular maintenance. That’s why it’s important to be aware of the problems that cause a generator to break down or fail to start, then take proactive steps to avoid them. Here are some of the common reasons for standby generator malfunctions:

BREAKDOWN BY OVERLOADING OR OVERHEATING

If a standby generator is operated consistently for longer than the prescribed number of hours, it will likely break down frequently. The typical rating for a standby engine should be sized for a maximum of 70 percent to 80 percent average load factor, and roughly 200 hours per year, which includes less than 25 hours per year of running time at the standby rating. There are two important elements to consider to prevent standby generator breakdown:

■■ The generator’s maximum required load;■■ Whether the generator sets will run isolated from or concur-

rently with a public utility source. It is important to note that standby-rated generators should not be run concurrently with a public utility source.

Standby power ratings should never be applied except in true emergency outage situations. This provides the advantages of allowing standby units to cool down naturally when not in opera-tion, and maintenance can be performed as needed; however, in emergencies the generator can be pushed to deliver 100 percent output for critical circuits.

FAILURE TO START

Standby generators can fail to start if the fuel is contaminated by sludge (or water, if firing diesel). This also contaminates the fuel tank and clogs fuel lines, filters, strainer baskets and fuel injectors. The first step in prevent-ing sludge in the fuel tank is proper tank design to restrict the entrance of water through vents, leaks and fill

boxes. Sidewalk fill boxes and in-wall fill boxes are very common; these must be designed to keep rainwater (and potentially seawater) from entering the fuel tank. Fill caps must be watertight, especially in underground fill boxes where water can pool. Even with proper fuel system design, it is possible to get water in the fuel tank as part of the delivered fuel, and by condensation through fuel vent lines. Condensation is an especially serious prob-lem in coastal regions, where the relative humidity tends to be high and ambient temperature changes are frequent. Most fuel filtration systems include a coalescing filter or separator to remove water from fuel.


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FAILED ENGINE COOLING SYSTEMS WITH COOLANT LEVEL ALARMS SHUTDOWN

Failed coolant systems or low coolant levels are common problems when a generator fails to start. These are often caused by either an

external or internal leak. Coolant systems need to be part of a regularly scheduled maintenance and inspection procedure. A typical inspection regimen consists of visually inspecting the coolant system for leaks, drips, puddles or crusty areas that indicate evaporated engine coolant. A visual inspection of cooling hoses should be conducted as well. Worn, cracked or loose hoses should be repaired or replaced.

DEAD OR WEAK STARTING BATTERIES

Battery failure is a leading cause of failure-to-start incidents. Replacing bat-teries every three to four years and proper battery maintenance are recom-mended steps. In addition, battery connections can become loose or corroded and charging systems can fail or be turned off inad-vertently, resulting in dead

or undercharged batteries. Regularly scheduled generator tests provide the opportunity to test the battery systems as well.

COOLANT LEAKS IN BLOCK HEATERS

Coolant leaks commonly occur in block heater hoses. A block heater produces high temperatures that cause the heater hoses to fatigue more quickly. A block heater heats the coolant, which circulates around the engine block; keeping the engine block warm prevents the oil from becoming too thick in cold temperatures. A common miscon-ception is that the engine does not need a block heater in warm climates; however, a block heater does more than help the engine to start in cold weather. Due to the dissimilar metals used to build engines, accelerated wear can occur during startup. The pistons, normally made of aluminum, will expand at a faster rate than the iron cylinder liners. This rapid expansion of the pistons can lead to scuffing of the piston skirt. Block heaters relieve most of this scuffing by maintaining the cooling system temperature and keeping the cylinder liners expanded. Low coolant temperature alarms are mainly the result of faulty block heaters. These heaters run 24 hours a day, seven days a week, which can cause them to fail periodically.


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No.1The No. 1 cause of generator failure is the lack of planned maintenance.

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Design elements to consider before generator installation

ENVIRONMENTAL FACTORS■■ Ambient conditions: All generators, regardless of the fuel

that powers them, require adequate air for combustion. Decreased air levels can lead to start-up failure.

■■ Temperature: High temperatures are also associated with lower air density. This affects not only the output of the generator, but can also lead to overheating and complete failure of the engine.

■■ Humidity: In conditions of extreme humidity, water vapor in the air displaces oxygen. Low oxygen levels impair ignition.

■■ Altitude: The availability of ambient air helps facilitate heat dissipation from the generator.

FLOOD FACTORSDue to flooding created by hurricanes, many generators fail because they are underwater shortly after the storm hits. A good design practice is to elevate diesel generators and fuel tanks above typical storm-surge levels and 100-year levels. Wind and impact load should also be considered in generator design.

The importance of preventive maintenanceBelow is a list of what causes most generator issues:■■ Dry, cracking and otherwise bad belts■■ Dead batteries■■ Block heater wear and tear■■ Low coolant, no coolant or lack of oil, which can cause

overheating, overcrank, cracked heads, broken pistons or catastrophic engine failure

■■ Lack of fuel, bad fuel, or sludge in the fuel tank or lines■■ Burned components on the boards, electrical components, etc.■■ Damage caused by weather and pests

Routine, scheduled maintenance should include the following:■■ Full visual inspection■■ Cables and connections■■ Checking for worn parts■■ Checking all fluid levels■■ Changing fuel, oil, air and coolant filters■■ Checking control panel readings and indicators■■ Load bank testing and regular exercise■■ Changing spark plugs■■ Checking for leakage

Other items to check during maintenance:■■ Overfilled fuel tank: High fuel level alarms are often required

by government regulations to prevent the overfilling of a fuel tank. The alarm should activate when the fuel tank reaches between 90 and 95 percent capacity.

■■ Low fuel level: Mechanical fuel level gauges may not always be accurate. They occasionally stick in a position until vibra-tions break them free. Some generators are equipped with “Low fuel level shutdown” or “critical fuel level shutdown.”

■■ The control panel may shut the generator down.■■ High fuel level alarm: The natural thermal expansion of the

fuel may cause the alarm to activate, such as during hot weath-er. High fuel level alarms may or may not clear themselves when the fuel level drops below the set point. The alarms may have to be manually reset when the fuel level drops.

■■ Controls not in automatic mode: Generators have a control or “an enunciation” panel, which controls all aspects settings, operation and shutdown of the generator. Many service calls for control issues are the result of the unit being in “not in auto” mode.

FM Global is here to helpAt FM Global, field engineers and client service teams provide proven strategies based on extensive knowledge and loss experience to help clients be proactive in preparing to minimize loss when disaster strikes. Prepare now. ■

View additional boiler and machinery resources at fmglobalcatalog.com.

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By Christopher Wieczorek, Ph.D., vice president and manager, international codes and standards, FM GlobalOriginally published in Property Casualty 360o

Getting to know international building

and

The Wild, Wild West



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When constructing new buildings overseas, do you build to local regulations or some other guidelines? Does the country where you

want to build have strong construction regulations? If building codes exist, when were they last updated and are they enforced?

Failure to understand international building code differences could put your company at a competitive disadvantage.“

Don’t let tragedies force change For many countries, the impetus to change building codes stems from tragedies such as nightclub fires, earthquakes and factory fires. An example is the tragic event at Grenfell Tower in London, England. At least 80 people were killed as the result of a fire. The building, constructed in 1974, had been renovated in 2016. However, the updates did not include the addition of automatic fire sprinklers. The cause of the fire is reported to have been a refrigerator in a fourth-floor apartment. There were no sprinklers to control the internal fire, and the fire spread and reached external open-ings. Once ignited, the highly combustible new building cladding allowed the fire to spread rapidly up the outside of, and ulti-mately through, the entire building. Research shows that having sprinklers in a building is the No. 1 way to limit a catastrophe from a fire, but sprinklers are not mandated in the building codes of many countries in Europe, Asia and South America. Constructing a new building in another country can be quite a challenge. Businesses must be educated regarding each country’s codes, including how, in many cases, they are vastly different than

the standards of the country with which they are most familiar. Identifying and implementing the best possible standards and codes—regardless of the country’s requirements—is crucial.

Best practices abroadThere are several critical questions to consider when constructing a building internationally. Does the country where you are considering constructing a new facility even have a building or fire code? Does the code focus on life safety, property preservation or both? What is the standard? Are the codes enforced? When was the code last updated? To save upfront costs, many businesses construct buildings to the local codes and standards of the country where they are building. But companies building overseas should be asking whether it makes sense to build to local code, or whether the smart investment is building to last above and beyond the code, even though it may cost more for construction. In other words, when you’re building overseas, are you being penny-wise but pound-foolish?

The answers to these questions and more could mean the difference between busi-ness resilience and a major disruption to your business if a catastrophe strikes. Consider this: As companies grow and expand throughout the world, they are often faced with constructing a new building in a country where they have little experience or may not have a deep understanding of the customs and building codes of the region.

Knowledge is power Failure to understand international building code differences could put your company at a competitive disadvantage. For example, if you manufacture a just-in-time key com-ponent in a building overseas that has not been constructed to rigorous codes such as those found in the USA and a catastrophe strikes that facility, where does that leave you? It may lead to a costly disruption of your supply chain and your business. In the United States, building codes are updated every three years. Unfortu-nately, that is not often the case in other countries around the world. In fact, there is a significant disparity in building codes from country to country and how often those codes are updated. In India, for example, prior to publishing the updated national building code in 2017, the last update was performed 11 years prior!


idea

Improve, enhance, updateCatastrophes such as earthquakes, hur-ricanes and floods have brought the issue of building code quality and enforcement to the forefront in the minds of construction and risk managers. But must we wait for a tragedy? In 2010, FM Global created an internal International Codes and Standards team. This team is working within several countries in an effort to develop, improve, enhance and update their national building codes. For example, the team has focused on a rare opportunity to advance fire and sprinkler protection within the national building code in India, ultimately helping companies protect themselves against devastating fires. In Brazil, we’re support-ing the work of the Parliamentary Fire Cau-cus to develop the country’s first national fire code, which was planned for release by the end of last year. This will be a signifi-cant outcome for the nation. There is also work being done by the team in Europe to erase misconceptions about sprinklers, their cost and their value as a loss prevention tool. In the U.K., for example, building and fire regulations have long been primarily constructed around life safety, with little consideration to property protection. Our goal is to increase the amount of consideration given to property protection. Partnerships are being formed with local governments, industrial groups and firefighter organizations in the U.K., France and Germany to promote sprinkler usage and provide information about the economic and life-safety benefits of sprinkler protection.

Fire loss looms largeIn 2016, there were two major fires in meat processing facilities in Germany, both caus-ing more than 100 million euros in dam-age. Those fires prompted FM Global to conduct a study of international fires in the food industry. The study found there were 88 fires over a five-year period (2010-2014). The study also identified 11 major food industry fires in the last 10 years that all had more than 10 million euros in damage, and three, including the two in 2016 with more than 100 million euros in damage. More striking than the sheer number of fires was the impact of sprinklers on the overall damage to the facilities. The average damage in a factory with a well-designed and fully functional sprinkler system was 580,000 euros. In contrast, for factories lacking sprinklers or where the protection was inadequate, the cost was 8.5 million euros—nearly 15 times more. Codes and standards need to be revised to reflect the benefits that sprinklers provide when it comes to preventing and minimizing the losses from fires when they occur. But most importantly, you must understand the building code of the country you are building in—is it up to the standard you need? And, if you’re constructing new facilities overseas to lax local codes rather than to a stronger “built-to-last” standard, be aware of the potential consequences. Your decision may provide you an initial cost savings, but when catastrophes strike, those initial savings on construction may be far exceeded by the costs to your business resiliency, reputation and ultimately the loss of your competitive advantage.

Our goal is to increase the amount of consider-ation given to property protection. Partnerships are being formed with local governments, indus-trial groups and firefighter organizations in the U.K., France and Germany to promote sprinkler usage and provide information about the economic and life-safety benefits of sprinkler protection.

“

■

Read about international codes and standards in the 2017 report Windows of Opportunity for Positive Change at fmglobal.com/insights-and-impacts.

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VOICES - amerisource

The Power of Risk Management


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J

JONAS SÄRNBORG Risk Manager, Husqvarna Group

onas Särnborg knows the

power of risk management.

He sees it as the key to

protecting the company’s

cash flow. At Husqvarna

Husqvarna Group’s entrepreneurial spirit by taking on responsibilities in other areas. So, in addition to my role with security, I got involved in enterprise risk management and property and cargo insurance. Talent management is a priority in the Husqvarna Group, and there are lots of opportunities to grow. When the risk manager retired, I got an offer to become acting head of group risk management for a year to broaden and strengthen my risk management and leader-ship skills. The acting role turned into the position I have today.

What are the biggest risks your company faces?The major risks for Husqvarna Group include the digital transformation disrupt-ing our business models, the speed with which battery technology is changing the traditional petrol product industry and sup-ply chain disruptions triggered by unex-pected “black swan” type events.

Does battery technology pose new property protection risks?It does. Ten years ago, we manufactured very few battery products. Today, battery products are everywhere. From a business standpoint, we’ve adapted by testing and developing loss control procedures for

Group, that’s a big job. The company

has more than 13,000 employees in

40 countries, and net sales exceeding

US$4.5 billion in 2017. His four-person

team handles everything from enterprise

risk management to corporate security

and insurance.

Below, Särnborg discusses an array

of risks the Group faces, including the

advancement of battery technology,

seasonal sales and cyber risk.

Tell us about your career in risk management.Before I joined Husqvarna Group, I worked in security management, which included risk and project management, for the Swedish National Courts. I had a strong ambition to work with security manage-ment in a company with global operations, so the job focused on loss control and security at Husqvarna Group was spot on. The former risk manager was a great mentor and encouraged me to embrace

ABOUT HUSQVARNA GROUPHusqvarna Group is a leading

producer of outdoor power prod-

ucts for forest, park and garden

care, including chainsaws, trim-

mers, robotic lawn mowers and

ride-on lawn mowers. The Group

is also the European leader in

garden watering products and a

global leader in cutting equipment

and diamond tools for the construc-

tion and stone industries. The

Group’s products are sold in more

than 100 countries under various

brand names, including Gardena,

McCulloch, Poulan Pro and

Weed Eater.


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battery technology, especially in ware-housing and safe product testing practices. Thanks to some research conducted by FM Global, we learned that the driver of lithium battery fires is the plastic cas-ings. Fortunately, our storage locations were already equipped to protect plastic products.

What are some of the specific risk challenges at your key production sites? The property-related risks we see are tradi-tional, including fire and critical machinery breakdowns. We’re always striving for operational excellence, which results in changes in production flow and storage within the sites. As a result, we end up with a lot of new construction and renovation projects. These changes very often add risks that need to be managed, including hot work, electrical work and the potential increase of fire load.

What about cyber risk?It goes without saying that cyber risk is a challenge for any manufacturer. As more systems and networks converge, and as more machinery becomes automated, the cyber risks increase. We’re working on a project now at one of our production sites

If one of our production facilities was down during our peak production time, it would be a catastrophe …“ How valuable are the FM Global

site visits to Husqvarna Group?The site visit is a perfect opportunity for us to get an independent signoff that the mandatory risk control activities are in place. We appreciate that the recommenda-tions from risk engineers are based on deep experience and offer time-tested solutions for how to avoid a catastrophic loss. We view this feedback as critical input for our understanding of exposures and prioritiza-tion of investments in risk mitigation.

What is your risk management philosophy?I have a strong belief that risk management must be integrated as part of the core busi-ness activities, including strategic planning, budgeting and day-to-day work. Manage-ment controls must be implemented and adapted to ensure cost-effective mitigations for common business risks, like produc-tion stoppages, quality issues or security breaches, etc. Insurance should serve as a backup to protect the balance sheet from catastrophic losses.

How does risk management fit with the overall strategy of the Husqvarna Group?The priority for Husqvarna Group is to meet or exceed our strategic objectives, and our group strongly believes that risk management has an important role to play.

with the ambition of building Sweden’s smartest manufacturing facility, enabled by digitalization. Connecting automated manufacturing processes requires cyber security aspects to be integrated as part of the design. FM Global has always been unique in its cyber coverage, and cyber enhancements recently added to the policy are very relevant to us.

Does Husqvarna’s business pose any unique risk management challenges?A major part of our business is seasonal. Our products need to be out on the market at certain times of the year. The demand for robotic lawn mowers in the winter is very limited. If one of our manufacturing facili-ties was down during our peak production time, it would be a catastrophe since we would not have the ability to make up for those missed sales opportunities.

Our sales are also affected by weather. If there is a heavy winter, we’ll sell a lot more snow blowers, but we don’t want a warehouse full of snow blowers if it’s a

mild winter. We have to be precise in our forecasting, and must maintain a flex-

ible and resilient supply chain.

Photo: Husqvarna Group


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When you make investments in new production facilities or new lines of busi-ness, there is an upside. You expect it will make you more money. You’re not going to make extra money by making loss control investments. We in risk management have to show how risk improvements are going to protect the business income we already have. The management team believes that those are investments worth making.

Why is highly protected risk (HPR) status important to you?Husqvarna Group property loss prevention activities are driven by the desire to ensure we meet customer demands and protect business income. We recognize that reach-ing HPR status will reduce the probability

and impact of a disruption, which help us achieve both these goals. We determine which production sites should pursue HPR status by understanding how each individ-ual site contributes to business income and our overall strategy. Last year, we finished a three-year project to get our Robotic Lawn Mower manufacturing site HPR (see page 33 to read what it means to be HPR).

What do you like about the FM Global insurance coverage? We have 31 production sites all over the world, and warehouses in even more countries, so the FM Global WorldReach® capability is very important to us. It clearly defines how the master policy provides for differences in local policies related to

POWER TRIOFROM LEFT: FM Global Account Engineer Mathijs Bolin, Account Manager James Chen and Husqvarna Group Risk Manager Jonas Särnborg meet at Husqvarna’s concept store in Barkarby, Sweden. The three work together to protect Husqvarna’s facilities around the world.

conditions, coverage, deductibles, etc. I feel that the mutual ownership model is very positive, reflected in FM Global’s approach to claims handling and the membership credit.

What do you worry about most as a risk manager?Cyber is probably the biggest worry. With cyber, you are exposed to malicious threats. Someone in the world is actively trying to figure out how to hack your company and cause a disruption, and their methods are becoming more creative and sophisticated every day. That’s not the case with other perils like fire or machine breakdown. n

arge-scale fire testing recently conducted at the FM Global Research Campus could change the way aerosol products are packaged in the United States.

FM Global testing is changing the way aerosol products are sold in the US

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will need to do some long-term testing on containers and valves, but changing the fire code is the first step. Without the change, manufacturers can’t even start.” Plastic containers offer several benefits over metal. They don’t rust, can be molded into various shapes and sizes, are lighter and cost less. With plastics, there is also less damage due to denting, and, they offer a way to store products that contain chemi-cals that would react with metal.

Research began in 2011FM Global has a long history of working with trade groups, industry organizations and fire protection organizations to advance fire safety knowledge and influence codes and standards worldwide. FM Global has been working with PARG since 2011 to understand the hazards of aerosols stored in plastic containers. That early research has led to changes in the bottling of nonignitable liquids like air fresheners, shaving gel and whipped cream. Prior to that research, federal regulations required that all aerosol products sold in the U.S. be in metal containers.

Plastic aerosol fire protection standard establishedThe most recent work establishes a fire protection standard for aerosols stored in plastic containers. The findings have been presented to the National Fire Protection Association (NFPA) for inclusion in the organization’s NFPA 30B standard. The new standard is scheduled for release in October 2018.

L Soon you may be able to buy aerosol bug spray, sun screen and a host of other aerosol products in plastic bottles, which are currently prohibited under U.S. law. For several years, the industry has been interested in developing plastic aerosol product technology, but there has been little information available on how to protect the commodity. The large-scale fire testing was conducted to establish specific fire protection guidelines for plastic aero-sols containing a flammable propellant and an ignitable liquid. These guidelines will be incorporated into FM Global’s loss prevention standards and have been presented for inclusion in U.S. and other fire codes. The adoption into the fire codes is the first step toward storing aerosols in plastics bottles and would open a whole new world for manufactures of consumer aerosol products in the U.S.

Consumer products a few years away“It’s probably one or two years down the road before you see aerosols in plastic in stores,” explains Jim Bloome, engineer-ing consultant to R.A. Jones & Co., and a member of the Plastic Aerosol Research Group (PARG), which is spearheading the industry initiative. “Manufacturers

Change is in the air





AEROSOLS AT A GLANCE

containers. Bottle failure occurred quicker and more frequently than with metal bottles, and each failure created a fireball that contributed to the fire. “Each bottle failure was a high-energy release event,” explains Seth Sienkiewicz, assistant vice president and senior lead research engineer at FM Global. “With most fire testing on solid commodities, the fire grows vertically. But these fireballs shot across the aisle and operated sprin-klers in adjacent rows. It was certainly unexpected, but it gave us an understanding of the dynamics and what is needed for fire protection.”

Ceiling-only sprinklers insufficientThe testing showed that using only ceiling sprinklers was insufficient to control a fire involving plastic aerosols. The recommen-



“dation made to NFPA is for these aerosols to be protected using Design Scheme A, which calls for in-rack sprinklers and vertical barriers. “Plastic aerosols turned out to be a little more hazardous than we originally anticipated,” Bloome explains. While the test showed more volatility, it also provided a solution for storing and protecting plastic aerosols. If the recom-mendation is accepted by NFPA in Octo-ber, it should allow the evolution of aerosol packaging in the United States to continue. “I have two cans of shaving cream in my medicine cabinet, one metal and one plastic,” Sienkiewicz adds. “It’s kind of cool having an example of the transition right in front of me every morning. And it came from the work we did in 2011.”

n Since 2011, FM Global has worked with the Plastic Aerosol Research Group to understand the hazard of aerosol products stored in plastic bottles.

n FM Global researchers conducted fire tests in October 2017 to develop fire protection recommendations for plastic-stored aerosols.

n The research was done to support changes in the

U.S. fire code.

n If the changes are adopted by the National Fire Protec-tion Association, manufactures can begin developing

plastic bottles for aerosols.n Consumers products could reach U.S. stores in one to

two years.

“Fire protection guidance on aerosols is based on tests done in the 1970s and 80s,” explains John LeBlanc, staff vice president and principal standards engineer at FM Global. “That testing was done exclusively on steel and tinplate bottles. But plastic containers behave much differently than metal, so none of that research is applicable.” In fact, the first phase of the project was to develop a test formula. FM Global conducted single-can testing on 19 different product formulations. Researchers finally settled on a formula that respresented a wide variety of ignitable liquids and flam-mable propellants that could be stored in plastic bottles in the future.

54,000 bottles testedFM Global then worked with PARG to get 54,000 bottles manufactured for the large-scale test, and even needed a special permit from the U.S. Department of Transporta-tion to ship the product to its test facility in West Glocester, Rhode Island, USA. The large-scale fire test, conducted in October 2017, provided valuable informa-tion about how plastic aerosol bottles differ from metal containers. It also showed how they fail when exposed to heat, and the best way to store and protect them.

High-energy eventsGenerally, plastic bottles are less resistant to thermal exposure than metal aerosol



I have two cans of shaving cream in my medicine cabinet, one metal and one plastic. It’s kind of cool having an example of the transition right in front of me every morning.

SETH SIENKIEWICZ ASSISTANT VICE PRESIDENT

SENIOR LEAD RESEARCH ENGINEER, FM GLOBAL

n

How alternate reality checks can make you more resilient

It’s another world



Take to the sky. Construct alternate realities. Virtually visit inaccessible locations.

These tasks were unthinkable in 1835 when Zachariah Allen, FM Global founder,

transformed property protection. Nearly 200 years later, the company continues to

push boundaries and create realities that develop new solutions to protect clients.

Here’s a glimpse of some of FM Global’s recent developments. Find out how these

advanced technology solutions could help keep you resilient.

“Instead of talking about drones, I like to refer to remote aerial sensing,” says Jaap de Vries, Ph.D., vice president, innovation science and technology, FM Global. “This includes manned aircraft and satellites. Improved sensing capabilities including infrared, multispectral and LIDAR [laser imaging detection and ranging] have opened up new ways of evaluating both risks and losses.” Satellites can provide images from which distances can be calculated. Using these images, distances between facilities and risks like brush, hazardous materials and

dangerous goods storage can be measured. Three-dimensional models of buildings and geo-referenced elevations captured by drones enable calculations that are

extremely accurate. “This technology also allows us to safely access an entire roof, including any roof-mounted equipment, to provide instantaneous updates on the condition,” de Vries explains. “Basically, we can collect as much, probably more, data than a person can, and we can do it faster and more efficiently.” Equipped with infrared cameras, drones can detect damage to roofs and solar panel fields. Heat leaks and moisture can be detected using thermal cameras. That way, FM Global can make clients aware of the health of their buildings in a way that would be difficult for them to do themselves. As de Vries explains, “Clients have their business to run, so this could create mutual benefits and put the information immediately into perspective.” This high-flying technology finds its place at ground level, too, de Vries says. “We can take a drone snapshot of the highest water level in a flood event. This information could accelerate the claims process.”

Drones…and beyond

LIFT OFFRemote aerial sensing technology, which includes manned aircraft vehicles and satellites, is capable of efficiently and accurately gathering vast quantities of data through sensors and advanced imagery processes. Jaap de Vries, Ph.D., vice president, innovation science and technology, FM Global, operates this technology at left.


“ Engineering services is the key differentiator in FM Global’s use of advanced technology solutions.

JAAP DE VRIES, PH.D. VICE PRESIDENT, INNOVATION SCIENCE AND TECHNOLOGY, FM GL0BAL

When all is well, imagining disaster can be difficult. That’s where alternate realities can assist. Virtual reality simulates a facility under peril. Augmented reality overlays perils like fire and flood at actual client facilities. “FM Global produced 360-degree videos of several fire tests that can be viewed through virtual reality goggles,” says Balaji Purushothaman, vice president, innovation data and digital, FM Global. “Our football field-sized burn laboratory allows us to create unique content for virtual reality and augmented reality experiences. Our engineers could use virtual and augmented reality for field training and for client communication. It helps make clients aware of hidden risk exposure and the value of FM Global’s engineering recommendations that help prevent these virtual loss scenarios from becoming a reality.” More realistic experiences can help clients envision hazards at their facilities. Modeled holographic flood events can show a client what 100- and 500-year floods would look like at their location. Through virtual reality, clients can experience how fast a roll paper fire develops, or how cognac barrels burn. “And all from view angles that were impossible up until recently,” Purushothaman says. “It is an extra tool that can make our core message more convincing and engaging at the same time. Being placed right next to a fire and submerged in smoke drives home the point.”

THERE’S AN APP FOR THATFM Global Vice President Balaji Purushothaman, innovation data and digital,

demonstrates how augmented reality apps like the FM Global Flood AR app transform an existing world in a realistic and interactive way

(download the app through the App Store or Google Play).

Now you see it, so later you don’t


Expert-driven loss prevention solutionsBut it’s the pre-loss use of innovative technology that sets FM Global apart. “Engineering services is the key differentiator in FM Global’s use of advanced technology solutions. For instance, we use drones to share knowledge with clients to help prevent a loss from occurring, rather than simply as a tool should a claim arise. This helps our clients become more resilient,” explains de Vries. “We are the lone knowledge provider in a commodity-based industry, so we’re able to use and advance technology with the perspective from the countless situations we’ve seen in our nearly 200 years of business, as well as our world-class research and development.” From the Industrial Revolution to the Technical Revolution, FM Global’s engineers, researchers and innovation team embrace Zachariah Allen’s core belief that the majority of loss is preventable. How we prevent loss is what evolves.

Hear from Jaap de Vries in his podcast interview with The Insurance Innovators Unscripted at fmglobal.com/insights-and-impacts.

Remote accessInaccessible properties and those in countries with imposed travel restrictions are now within reach. FM Global uses a hands-free video conferencing system—a camera mounted to smart glasses—to communicate visually worldwide. The unit can be shipped and worn by a designated person at a remote location. The individual wearing the camera-mounted smart glasses can then transmit what they are seeing to the remote expert. Field-tested at facilities in Ahmedabad, India, and Agbara, Nigeria, this remote

engineering and communication solution enabled FM Global experts in West Glocester, Rhode Island, USA, to provide property loss prevention advice in real time.

“For FM Global, it’s about identifying risks in remote locations that are unreach- able by our field engineers, and this is a technology that helps us do that,” explains

Ronnie Gibson, vice president, innovation business and insurance, FM Global. “Our remote expert can see what the field agent sees through the camera-mounted glasses. They can snap screenshots, and create and share drawings and notes in real time to send to the expert for analysis. Many emerging market economies now have 3G and 4G networks, and even Wi-Fi. Five years ago, this wasn’t necessarily a viable technology.”

A SHIFT IN PERCEPTIONA virtual reality headset, like the one shown here with FM Global Vice President Ronnie Gibson, innovation business and insurance, can change the way users perceive reality through entering a virtual world.

n

GOOD CHEMISTRY FROM LEFT: Twin Rivers Controller George Remus, President and Chief Executive Officer Scott Chatlin, FM Global Account Manager Kimberly Gateman and Twin Rivers Director of Operations Todd Lyman have driven risk improvement at the Quincy, Massachusetts, USA, chemical plant.



very September, it pours. Water rains down on a tiny spit of land

RAININGDOWN

ON RISK Commitment to protection leads to HPR statusand loyal customers

E invested millions of dollars in fire protec-tion systems and power generation upgrades designed to ensure it can deliver on its promises. “Some of our customers rely solely on us to provide the raw material for their products,” explains Todd Lyman, director of operations. “Our business is built on the trust they have in us to deliver those raw materials. The risk of not being able to meet those expectations is always a concern, and we have been proactive in mitigating the risks associated with our business.” Running new water mains from the city streets, replacing the entire sprinkler system in the main production facility and adding its own steam and electrical capac-ity are just some of the improvements Twin Rivers has made over the last 10 years. It’s made the facility one of the best-protected chemical plants anywhere, and even earned the company a highly protected risk (HPR) award from FM Global along the way.

at the junction of the Weymouth Fore and Town rivers. Hundreds of thousands of gallons (liters) of water cascade down in a matter of minutes, creating instant rivers and ankle-deep puddles. Then, as quickly as it started, it stops. This is not a bizarre weather phenomenon, but rather the annual test of the deluge fire protection system at Twin Rivers Technologies, a unique chemi-cal plant in Quincy, Massachusetts, USA, about 15 miles (24 kilometers) south of Boston, Massachusetts. The annual test, the system itself and the sheer volume of water it can produce are a testament to Twin Rivers’ commit-ment, not only to fire safety, but also to its customers. Twin Rivers is one of the first links in the supply chain for some of the largest consumer product manufacturers in the world. As one of only a handful of facilities in the United States that produces fatty acids and glycerin, Twin Rivers has

DECONSTRUCTION ZONEFrom the control room (ABOVE), Twin Rivers monitors the molecular breakdown of vegetable oils and animal fats. Laboratory testing (ABOVE RIGHT) ensures the quality of the finished product, and samples (RIGHT) allow Twin Rivers to duplicate any production run.

BONDING TOGETHERFM Global Account Manager Kimberly Gateman (LEFT), Twin Rivers Facility Manager Frank Greene and Utilities Manager Karen Brushett tour the chemical processing plant to ensure it maintains its hard-earned HPR status.



“ It’s not just the equipment and the engineering. It’s the things you do every day behind the scenes that keep your facility and your people safe.

FRANK GREENE

FACILITY MANAGER, TWIN RIVERS

“HPR status is a far reach for a chemical plant,” says FM Global Account Manager Kimberly Gateman. “It’s hard to achieve, so it’s impressive that they’ve gotten there and have been able to maintain their HPR status.” HPR status is unusual because of the inherent dangers of chemical processing. Through distillation, fractionation and post-hydrogenation, Twin Rivers breaks down the molecular structure of animal fats and vegetable oils like palm, soy and coconut oil. The resulting chemical compounds form the building blocks for hundreds of “staple-of-life” items, including personal care products and cleaning solutions. They can also be found in automotive products, specialty plastics, pet foods and many other products across a wide range of industries.

Unique FacilityTwin Rivers’ HPR status only adds to the uniqueness of the facility. A former soap factory, some of the infrastructure dates back to the early 1900s. The facility is on a small inlet with direct access to the ocean and a deep-water port, allowing raw materi-als to be shipped in from all over the world. The company even has its own rail-road line, which connects to the northeast rail corridor of the United States. Most of Twin Rivers’ finished products are shipped by rail all over the country. It’s one of the largest producers of fatty acids and glycerin in the U.S., processing 300 to 350 million pounds (136 to 158 million kilograms) of raw material a year.

WHAT IS HIGHLY PROTECTED RISK? Here’s how FM Global defines a highly protected risk facility:

✓

✓

✓

✓

✓

“I’m not sure you could even build this facility today,” Twin Rivers Facility Manager Frank Greene says. “It would be cost prohibitive.” The finite number of fatty acids and glycerin producers in the U.S., and Twin Rivers’ status as a sole provider to many of its customers, have driven many of the investments in fire safety and operational efficiency. “We’ve learned over the years that we’d rather spend our time optimizing and protecting our business than reacting to incidents and doing damage control,” explains Scott Chatlin, Twin Rivers’ president and chief executive officer.

A location at which all reasonable physical and human element loss prevention measures have been implemented to protect buildings, equipment and contents from all losses, including those caused by natural hazards.

All needed human element programs have been established.

At least 90 percent of needed sprinklers have been installed.

There are no outstanding FM Global recommendations with loss expectancies in excess of US$10 million, and change is being managed proactively to maintain this status.

An account engineer is responsible for deciding whether a location is an HPR.


Multimillion-dollar investmentIn 2009, Twin Rivers began working with FM Global engineers to optimize the facil-ity’s fire protection system. That work led to a multimillion-dollar, five-year program. First, Twin Rivers worked with the city of Quincy to bring a new water main to the property to provide adequate water flow for the new system. The company added a new fire pump and replaced the entire sprinkler protection system in the main production facility. “One of the biggest challenges was that we had to maintain the old fire protec-tion system while we were installing the new one,” Greene explains. “We couldn’t run the plant without fire protection while the upgrades were being made, so we had to run parallel systems, which added to the cost and the complexity. It was quite a team effort with the FM Global engineers to get this done.”

HPR: not just equipmentTo reach HPR status, Twin Rivers also improved its emergency response and flood emergency response plans. It implemented new hot work permitting procedures and put other procedures in place to reduce the risk of loss and injury. “It’s not just the equipment and the engineering,” Greene says. “It’s the things you do every day behind the scenes that keep your facility and your people safe.” As far as chemical plants go, the processes performed at Twin Rivers are not nearly as dangerous as those performed at other types of chemical plants, like oil refineries. But the hazards are very real.The raw materials are solid at room temperature (like vegetable shortening) and need to be heated to be processed. High-pressure steam is used throughout the system to keep the material flowing. Hydrogen is also added to some of the chemical processes, so highly explosive liquid hydrogen is stored on-site.

Twin Rivers even added a high-pres-sure natural gas turbine in 2015 to generate its own heat and electricity. This system helps protect the facility by ensuring a reli-able power supply, but they also pose their own risks. “We use compressed natural gas, and those enclosures have their own fire protec-tion systems based on FM Global’s recom-mendations,” explains Karen Brushett, Twin Rivers’ utilities manager. “There are a lot of safety features, and we do a lot of training.”

Last line of defenseGiven its importance to its clients, Twin Rivers has invested heavily through-out the plant. But the largest and most impressive risk management investment has been in the deluge system. While common in the chemical industry, Twin Rivers has maximized the protection it provides. The system interlocks with the control systems, allowing a fire to be sealed off from the rest of the plant, and the upgraded fire main and fire pump allow for an astonishing amount of water to be released. “The system can only be tested during the plant’s annual shutdown because of the amount of water it draws,” Greene adds. “It really is quite amazing.”

SEEING IT ALL(RIGHT) Inspection tours include the boiler room and the high-pressure natural gas turbine facility added in 2015. (BELOW RIGHT) One of the towers where the chemical processing takes place.

n

WHY FM GLOBAL?100% coverage. Timely claims payouts. Unparalleled loss prevention engineering and guidance. These are just a few of the reasons why more than one-third of Fortune 500 companies choose FM Global as their insurance partner.

Visit fmglobal.com


THE DREAM TEAMFROM LEFT: FM Global Account Engineer Alex Lundy, Land O’Lakes Insurance Manager Brad Koland and FM Global Account Manager Steve Streeter are key to the success of Land O’Lakes’ risk management program.


Hello, flood. We’ve been expecting you.

The year is 2016. Food and agriculture co-op Land O’Lakes just experienced a multimillion-dollar flood loss at its Midwest dairy plant, resulting in a three-month shutdown and loss of production.

Fast-forward to 2017 and a nearly identical event leaves the facility practically unscathed. What 2016 discoveries resulted in a quick loss recovery, one year later?

ometimes, seeing truly is believing. Land O’Lakes Insurance Manager Brad Koland knew that more stringent flood protec- S

tion measures were needed after witnessing surging floodwaters cause US$2.7 million in damage to his company’s dairy plant in Hillsboro, Wisconsin, USA, in September 2016. But first, he and his engineering and operations partners needed a stronger corpo-rate commitment to move forward. To help in that area, they advocated for the capital needed to combat the risk and prevent a recurrence in Hillsboro. They also enlisted the expertise of FM Global Account Manager Steve Streeter and Account Engineer Alex Lundy, who suggested that a tour of the FM Global Research Campus (see page 40) was an essential first step. Once there, Land O’Lakes decision-makers

would see that the mitigation costs required to withstand a flood would be minimal compared with the losses it

may continue to incur.

“I had visited the Research Campus before and was confident that when my colleagues observed FM Global’s engineering princi-ples and FM Approved products (see page 42) firsthand they would be inspired to better protect our Hillsboro site,” says Koland. He has overseen Land O’Lakes’ commercial insurance program and first-party claims for three years. Perched on the west branch of the fickle Baraboo River, the 28,000-square-foot (2,600-square-meter) Hillsboro facility is one of the newest additions to the nearly 300 Land O’Lakes proper-ties under Koland’s risk management guidance. Land O’Lakes acquired the plant in early 2016 and had FM Global conduct a plan review before expanding the site. FM Global identified some considerations for improvement, including raising the finished floor level of the proposed expansion. Land O’Lakes incorporated many of the loss recommendations into the expansion design, but was not able to address issues in the existing facility before the flood struck.

Research Campus visit inspires quick action When Koland and his dairy division colleagues visited the Research Campus in October 2016, they learned of several proac-tive steps in the Natural Hazards Laboratory that could help reduce their risk of potential flood damage and business interruption—chiefly, the importance of installing waterproof barriers. The Land O’Lakes contingent saw that to flood-proof a regu-lar 4-foot (1.2-meter) door would require piling up 250 50-pound (23-kilogram) sandbags, and a lot of heavy lifting. And, after the storm, the bags would be unsanitary and difficult to take away.


“ Seeing the differences between a sandbag dam versus one of the quick-

To combat this, the group’s tour guide demonstrated several FM Approved flood product alternatives, which included aqua barriers, flood planks and one rapid-deployment approach that particularly resonated with Land O’Lakes—the Tiger Dam system. Tiger Dams are elongated flexible tubes that can be quickly stacked, joined end-to-end and filled with water. The tubes can be piled up to 32 feet (9.7 meters) high and linked together for a considerable distance. These interlocking, flexible tubes are then drained of water that flows back into the river when the flooding subsides. The result is a reusable system that protects property without the need for sandbags. When the floodwaters recede, the tubes can be drained within minutes, cleaned, rolled up and reused again and again. Koland points to the sandbag demonstration as his group’s collective “aha!” moment. “Seeing the difference between a sandbag dam versus one of the quick-implementation opportunities certainly struck a chord with us.” After all the other visitors had left the Research Campus, Koland and his team stayed behind to take pictures and inquire further about FM Approved flood products. Soon after, he sent the Hillsboro facility manager the photos and asked him to purchase several Tiger Dams to help protect against future flooding.

implementation opportunities certainly struck a chord with us.

BRAD KOLAND

INSURANCE MANAGER, LAND O’LAKES

FACING MOTHER NATURE’S FURY HEAD-ON FM Global’s 1,600-acre (648-hectare) Research Campus is in the sleepy town of West Glocester, Rhode Island, USA. Opened in 1967, the Research Campus has earned its reputation as one of the most innovative property loss prevention, research and testing centers in the world. Here fire, flood, explosion, hurricane-force winds and vibrations matching earthquake intensity are all in a day’s work. Year-round, more than 100 scientists and loss prevention engineers design and test simulated disaster scenarios and share their results with some of the world’s largest companies to prevent potentially catastrophic physical threats from affecting their property and business operations.

SCHEDULE A TOUR TODAY Contact your FM Global client service team for more information.

FOUR SEASONS IN ONE DAYThe simulations conducted at the Research Campus help you prepare and protect your facilities before disaster strikes. Experiments not only help you under-stand the risk—they help you visualize the risk in a safe and controlled environment.



They’re GR-R-REAT! Tiger Dams to the rescueFatefully, in July 2017, the Hillsboro plant experienced another unexpected flood. This time, however, thanks to having the Tiger Dams on hand, along with several other precautionary measures in place, the facility was spared any major damage. Koland shares that the 2016 event taught Land O’Lakes just how complex a flood can be. And, as a result, the company used those findings to lessen the impact this time around. “Once the surging floodwaters approached, the Tiger Dams ended up divert-ing the water to the back of our facility, where there’s an aban-doned airfield.” In all, the total dollar cost of the second flood was nearly US$500,000, and the plant was back in production in a few weeks. Koland points out that the damage would have been even less if not for backflow issues through the storm sewers that allowed some of the water to get into the loading dock. “That discovery helped us modify the issue, and we’ve since created a temporary barrier around the facility.” Land O’Lakes’ senior management team now has a deeper desire to lessen its exposures and reduce vulnerable areas in Hillsboro. Koland is working with them to determine the best way to invest the company’s tight risk mitigation capital. The company is also talking with the state of Wisconsin to determine if the current dam within the Baraboo should be rebuilt to modern standards. Additionally, Land O’Lakes is exploring the construction of a permanent waist-high wall dam with secure openings to be built around the entire Hillsboro site.

A relationship built to last Koland acknowledges that effective risk management is based on building fruitful relationships like the one he shares with FM Global’s client service team. “Without Steve and Alex, we would not be as successful in protecting our operating facilities.

MAN VERSUS FLOODLand O’Lakes employed Tiger Dams to hold floodwater back from its Hillsboro, Wisconsin, USA, dairy facility. Tiger Dams are elongated flexible tubes that can be quickly stacked, joined end-to-end and filled with water.

LAND O’LAKES QUICK FACTS

Headquartered in Arden Hills,

Minnesota, USA

10,000 employees in 50 states and more

than 60 countries

Operates some of the most respected

brands in agribusiness and food

production, including Land O’Lakes

Dairy Foods, Purina Animal Nutrition

and WinField United

Member-owned cooperative with

operations from agricultural

production to consumer foods

FM APPROVALS: SETTING THE STANDARD IN THIRD-PARTY CERTIFICATIONFM Approvals partners with product manufacturers around the world to rigorously test and certify products. No matter where you do business, the higher your loss protection standards, the more losses you can prevent. The FM Approvals product testing and certification program gives your com-pany standards of excellence to demand from vendors, contractors and builders, because we’ve made those standards universally available. When you see a product or service with the FM APPROVED certification mark, you’ll know it meets the highest property loss prevention product testing and certification standards. Products we test and evaluate include: ■n Fire protection equipment■n Electrical equipment■n Building materials■n Roofing assemblies■n Hazardous location equipment

?DID YOU KNOW?The Approval Guide by FM Approvals contains “real-time” information about tens of thousands of products and services tested and FM Approved.

All available products are found at approvalguide.com.

They do a fantastic job of making sure that their engineers and inspectors understand what is important to our organization. I appreciate their perspective and their holistic view of our risk.” Lundy echoes the sentiment about working with Koland. “Brad has done an exceptional job getting key parties in his organi-zation involved in risk improvement efforts. He truly ‘gets it,’ and we consider him an extension of the client service team.” When Koland first took on his role, he told Streeter and Lundy that his objective was to influence Land O’Lakes facility managers to adopt FM Global’s risk philosophy that the majority of loss is preventable. And Streeter is confident that Koland will continue to do so. “If there’s anyone who can best promote the value of adopting sound risk mitigation methods, it’s Brad. His engineering background and his desire to continuously improve the safety and protection of Land O’Lakes’ facilities are a step in the right direction.” In the end, Land O’Lakes’ commitment to working with FM Global meant that it could recover quickly and take meaningful measures to lessen the chance of significant damage at its Hillsboro site in the future—a win-win for both companies.

■n Fire detection and signaling materials

■n Wall assemblies■n Smoke detection materials

n


Is your facility located in a potential flood zone?Not sure? FM Global’s revolutionary Global Flood Map can help you identify your flood risk—anywhere in the world.

Unlike maps based solely on historical flood data, our innovative Global Flood Map is built using hydrology and hydraulic science, and considers, among other factors, essential information like rainfall, evaporation, snowmelt and terrain.

Take a step towards resilience today; visit the Research and Resources section of fmglobal.com.



MaltaCrane Currency: creating a fortress to protect the world’s economic engine

SECURITY BUILT INCrane Currency’s Risk Manager Tim Golden (LEFT) has helped ensure that Crane’s new bank note production plant on the island of Malta is one of the best-protected facilities in the world.

Cashing in on


oney.M It’s what makes the world go around. Almost everyone agrees that it can’t buy happiness, and we all know it doesn’t grow on trees. But for many people around the world, it now comes from a tiny island in the middle of the Mediterranean Sea. Crane Currency, one of the leading producers of bank note paper in the world, has built a US$100-million, state-of-the- art production facility on the island nation of Malta, off the coast of Sicily, Italy. The unique characteristics of the island make it an ideal, and safe, place to print currency for nations around the globe. And when you literally have a license to print money, security and safety take on a whole new meaning. It’s one of the reasons Crane Currency has been an FM Global client since 2001 and the company’s CFO mission statement mandates all new construction be done to FM Global standards. For the company that pioneered security measures in U.S.

NOT JUST A PRINTERCrane Currency prints, designs and develops security

measures for central banks around the world.

currency, having secure, highly protected risk (HPR) facilities is not only a goal, it’s a necessity (for more on HPR, see page 33). “We are dealing with the sovereign wealth of nations,” explains Tim Golden, Crane Currency’s risk manager. “We provide currency solutions to more than 80 central banks and have been the sole provider of bank note paper to the U.S. Bureau of Engraving and Printing since 1879. These countries are putting their faith in us, so we have to be resilient.”

A safe havenThat need for resiliency is what drew Crane to the island of Malta. For centuries, the island has attracted invaders and conquerors. Its location in the middle of the Mediterranean Sea has made it a magnet for military forces looking to enforce their dominance over Europe and Africa. As a British colony, Malta served as a strategic base for British and Allied forces during World War II. Malta

MALTA ON THE MAP

earned its independence in 1964. Today, its casinos, nightlife and mild climate attract 2 million vacationers a year, while govern-ment incentives and its membership in the European Union have lured businesses of all types. For Crane, the island proved to have the perfect blend of expertise and protec-tion. Thanks to previous bank note printing on the island, Malta has an experienced workforce. And with the nearest land mass 50 miles (80 kilometers) away, the isolated island provides a level of security not many other places can offer. The country has

minimal exposure to natural disasters, and the new facility is just a few miles (kilome-ters) from the airport and the shipping port, which is one of the largest ports in Europe. The island sits along a major transporta-tion route and is close to many of Crane’s customers in Africa and the Middle East. “Malta is like a little village,” says Matthew Calascione, Crane’s Malta project manager. “It has a population of about 400,000 people. English is the second language, understood and spoken by literally everybody, and we have 10 months of sunshine a year. It’s a friendly, safe, little island.”

Small island, big challengesBut building on Malta was not without its challenges. Crane’s mandate to build to FM Global standards, its desire to use FM Approved products and the need to import nearly all the construction material added to the complexity of the project (for more on FM Approved prod-ucts, see page 42). A lack of water provided a major hurdle to building an adequate fire protection system. But for Crane, building an HPR facility remained a priority despite the challenges.

“ [Malta] has a population of about 400,000 people. English is the second language, understood and spoken by literally everybody, and we have 10 months of sunshine a year. It’s a friendly, safe, little island.

MATTHEW CALASCIONE

MALTA PROJECT MANAGER, CRANE CURRENCY

Malta is in the middle of the Mediterranean Sea, located approximately 50 miles (80 kilometers) south of Sicily, Italy, and 180 miles (290 kilometers) north of Africa.

POPULATION: 400,000

SIZE: 122 square miles (316 square kilometers)

CAPITAL: Valletta

OFFICIAL LANGUAGES: Maltese and English

EARNED INDEPENDENCE in 1964

JOINED EUROPEAN UNION in 2004


NOT A DROP TO DRINKThe island of Malta has no streams, lakes or rivers and relies on desalination plants for most of its water. The limited water supply proved to be a challenge in designing a fire protection system for Crane Currency’s entire 270,000-square-foot (25,000-square-meter) complex. “You can’t put in a sprinkler system without a good water supply, and local building codes don’t allow aboveground tanks for fire protection water storage,” explains Scott Strickling, FM Global senior account manager. “So they had to dig caverns in the limestone to get the water under-ground. Crane really overcame every obstacle to have the first HPR plant on Malta.” And in typical fashion, Crane didn’t just build one cistern to hold the water, it built two. Crane will now be able to transfer the water to the sec-ond cistern while doing maintenance and repairs. This allows Crane to conserve water and maintain its sprinkler protection during maintenance.



“ “We have made significant invest-ments in state-of-the-art printing equip-ment,” Golden says. “It only makes sense to put it in a highly protected facility.” The Crane facility on Malta is the first new bank note production facility constructed anywhere in several decades. It features four buildings, including a main production hall the size of two U.S. football fields that holds three printing lines. The second building houses the finishing and design departments, and a third the admin-istrative offices. The final building, still under construction, will house a three-floor customer experience center. “Every piece of equipment in this facility is brand-new,” Golden adds. “We have all the latest technology, all the gad-gets, all the bells and whistles. This will be the most productive, quality-conscious bank note production facility in the world.”

HPR state of mindAnd it will be one of the best protected. Crane has long been committed to hav-ing HPR status. Its production facilities in western Massachusetts, USA, have all reached HPR status even though they are all located in flood zones. Crane invested in a new fire pump and reinforced its sprinkler system in Nashua, New Hampshire, USA, to get it up to HPR standards. And in Sweden, the company is adding sprinklers to an entire plant it recently acquired.

“Everybody that we deal with is a pro-ponent of the risk management philosophy and the resilience model that Crane embod-ies,” says Scott Strickling, FM Global senior account manager. “From the top, through all aspects of the organization, that message is clear. It makes an account manager’s job easy.” That shared philosophy is one of the reasons insurance broker Marsh brought the two companies together 17 years ago. Following 9/11, Crane’s insurer no longer had the capacity to continue providing cov-erage. Marsh needed to find a new insurer,

and FM Global’s capacity and engineering services made it a perfect fit. “Clients need to have a passion and commitment to loss prevention, otherwise they are not going to fit with FM Global,” explains Marsh Senior Vice President Chris Curry. “Crane is a true fit because they want the services that FM Global can provide.”

Clients need to have a passion and commit-ment to loss prevention, otherwise they are not going to fit with FM Global. Crane is a true fit because they want the services that FM Global can provide.

CHRIS CURRY

SENIOR VICE PRESIDENT, MARSH

So, when Crane started discussing its new facility in Malta, there was no question that it would be built to HPR standards. Crane spared no expense. It has invested in cutting-edge security systems and data centers, added redundancies to many of its mechanical systems and has sprung for the very best throughout the facility. “It’s always an issue of quality versus costs, and we strongly believe that good quality actually costs less when you consider all the additional costs a busi-ness incurs because of poor quality,” says Crane Currency’s Malta Chief Financial

Officer Kenneth Cortis. “In Malta, we had a healthy budget, a greenfield site where we could do anything and a commitment to be best in breed.”

“ What I like most about the FM Global standards is the element of research that goes into them and the amount of information and data sheets that are available.”

PAUL FENECH

ENGINEERING MANAGER, MALTA PROJECT, CRANE CURRENCY


Archaeological finds and slow-curing cementBut it wasn’t always easy. The project was almost derailed before it started. Excavation work revealed existing structures, which fortunately turned out to be from the World War II era. Archaeological finds can often stall modern construction projects on the island that has been inhabited since 5200 B.C. At times, it was also hard to get mate-rials to the island. The project was delayed several weeks while the proper slow-curing cement was shipped in for the foundation. Crane also wanted the project built using only FM Approved products, but they weren’t always available. “FM Approved products for us mean peace of mind,” Calascione says. “We feel very comfortable that the likelihood of failure is significantly reduced and the products are of a certain standard. When we couldn’t get what we needed, we went a step above and used products with higher specs to compensate for the fact they weren’t FM Approved.” Crane also faced hurdles building to FM Global standards. Most contractors that work on the island follow British or Euro-pean standards, so FM Global standards were new to many of them. “All the standards have their merits, and I believe they all work well,” says Paul

n

Watch how Crane Currency overcame logistical hurdles to develop Malta’s first HPR facility at fmglobal.com.

Fenech, Crane’s engineering manager on the Malta project. “It was just a mat-ter of everyone learning the FM Global standards. What I like most about the FM Global standards is the element of research that goes into them and the amount of information and data sheets that are available. Sometimes the FM Global standards were a little bit challenging, but we always managed to find a solution.” And the FM Global solution didn’t always end up being the most expensive. Local codes required Crane to install two fire pumps for its fire protection system. Through its expertise and FM Global Property Loss Prevention Data Sheets, FM Global demonstrated to local build-ing officials that one pump was sufficient, resulting in significant savings.

Most advanced facility in the worldCrane unveiled its new digs in February. And when you throw a party on the island of Malta, everyone comes. The prime minister, U.S. ambassador, other local dignitaries and the media were all on hand to tour the immaculate production hall. The finished facility, without question, lives up to its billing as the most advanced bank note production facility in the world. The fire protection network, the redundant mechanical systems and dual

underground cisterns went largely unno-ticed during the opening ceremonies. But for the risk manager, those items are vital to the success of the project. “Intrinsically, we know that if you don’t have a loss, you can spend your capital and your time on productive things,” Golden concludes. “I’m passionate about not having a loss because so many good things come out of not having a loss. The only good claim is no claim.”

“ In Malta, we had a healthy budget, a greenfield site where we could do anything and a commitment to be best in breed.

KENNETH CORTIS

MALTA CFO, CRANE CURRENCY

The World Is a Risky PlaceHow resilient are the countries where you operate?Make smarter business decisions with the 2018 FM Global Resilience Index, which compares the enterprise resilience to disruptive events of nearly 130 countries. View country rankings for risks like cyber threats, natural hazards and local supplier quality.

Learn more at fmglobal.com/resilienceindex.

When Resilience Is a NecessityThe need for a secure location, near its customers and within the European Union, drove Crane Currency to build a highly protected risk facility in the tiny island nation of Malta.

Water, Water, EverywhereLearn how to prevent, manage and mitigate liquid damage loss events with the Liquid Damage Loss Control Center.

The Perfect Formula for TragedyAn FM Global white paper looks at how the exterior cladding and the lack of sprinklers contributed to the tragic fires at Grenfell Tower in West London (U.K.) and high-rise buildings in Dubai (UAE) and Honolulu, Hawaii (USA).

A New Angle on Roof Protection Do you have sloped ceilings in your ware-house? Find out what challenges you face when they are obstructed in the research report Numerical Modeling of Sprinkler Activations and Spray Transport under Obstructed, Sloped Ceilings.

youtube.com/fmglobal fmglobal.com

Power CoupleFM Global and East Kentucky Power Cooperative (EKPC) work together to manage EKPC’s boiler and machinery risk.

2017 Annual ReportOur clients bring uncommon knowledge to all that they do. See how that knowledge, combined with FM Global’s scientific and engineering expertise, helps our clients protect their properties.

Mapping RiskFM Global flood researchers describe the newest innovation in flood exposure in a five-part Global Flood Map series.

Find this exclusive coverage at fmglobal.com.View more perspectives at youtube.com/fmglobal.

MakersWhen you literally print money, resilience is a necessity

Money

CHEMICAL REACTIONHPR plant means secure supply chain, happy customers at Twin Rivers Technologies

RESILIENCE REWARDED Land O’Lakes’ proactive steps improve flood mitigation at critical dairy facility

Tune in to FM Global’s YouTube channelyoutube.com/fmglobal

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