When engineers for FM Global conduct inspections at industrial facilities, whose interests are they hired to protect?

• A. The insurance company's
• B. The facility owner's
• C. The workers
• D. The public

Answer: (A)

FM Global engineers focus on loss prevention by identifying hazards that could cause fire or other costly damage and recommending controls. They are employed by an insurance company, and their primary purpose is to protect the insurer's interests by reducing both the likelihood and the magnitude of losses. While the facility owner and workers may benefit from safer conditions, and the public benefits from improved safety, the driving objective of the inspections is to minimize claims and loss to the insurer.