EXECUTIVE DIRECTOR Johanna Hetherton MANAGING EDITOR Bob Gulla  robert gulla fmglobal com ART DIRECTOR Jennifer Cournoyer  jennifer cournoyer fmglobal com EDITORIAL  DEPUTY EDITOR Alicia Kamm  SENIOR EDITORS Kerri Germani  Patricia Iannotti  John Rufo  EDITORS Christian Campbell  Amy Carbone  CONTRIBUTING WRITERS Alan Earls  Hank Giles  Stephanie Van Ness  Steve Turgeon  TECHNICAL EDITOR John C  Harrington  ART  CREATIVE DIRECTOR Rebecca Marino  ASSOCIATE ART DIRECTOR Nicole Caddell  DESIGNERS Elizabeth Picillo  DESIGN INTERN  Josh Grab  CONTRIBUTING PHOTOGRAPHERS Lou Bopp  Devlo Media  CONTRIBUTING ILLUSTRATORS Shawn Nielsen  Rick Shiers  John Thomas PRODUCTION PRODUCTION MANAGER Sheena Carter  PRODUCTION COORDINATOR Ashley Kuhar  VIDEO PRODUCTION PRODUCERS Bob Gulla  Stephen Pine  CONTRIBUTING VIDEO DIRECTION Lou Bopp  Devlo Media   Jon Ryan CUSTOMER SERVICE AND SUBSCRIPTIONS 270 Central Ave   P O  Box 7500  Johnston  RI 02919 USA  fax   1  1 401 477 7010  phone   1  1 401 477 7744   1 877 364 6726  toll free in Canada and United States   email  customerservices fmglobal com REPRINTS Address inquiries to   Niki Swaby  intellectual property and localization  phone   1  1 401 275 3000  ext  1670  email  nicole swaby fmglobal com  CORRESPONDENCE Send to Reason  FM Global Communications  270 Central Avenue  P O  Box 7500  Johnston  RI 02919 USA   fax   1  1 401 464 9031  phone   1  1 401 275 3000  ext  2185 ADVISORY BOARD Nick Batten  Client Service and Sales   Jeffrey Beauman  Underwriting   Chris Boston  Client Service and Sales   Karen Freedman  Enterprise Learning   Ronald Gibson  Engineering   Louis Gritzo  Research   John C  Harrington  Engineering   Belinda Oliver  Marketing   Duncan Reid  Client Service and Sales   Burton Wright  Claims   Martha Young  Marketing  WATCH THIS  on fmglobal com reason Jonas Gustavsson PRESIDENT  SANDVIK MACHINING SOLUTIONS  FROM WORKING TOGETHER  SANDVIK   AND FM GLOBAL   Sandvik Machining Solutions is the  biggest business area in Sandvik   and we have been able to develop  products and services over the  years that have  in some ways   revolutionized the business  We  have a fantastic competence  and  we are investing heavily in both risk  management and sales   Marifrances McGinn VICE PRESIDENT  GENERAL COUNSEL    AND RISK MANAGER    PROVIDENCE COLLEGE    In the next couple of years  there  are several buildings we will be  renovating and we will be incorpo  rating some of the initiatives that  FM Global has shared with us   Changes are expensive but  in the  long run  will mitigate cost   FM GLOBAL AROUND THE WORLD FM Global products and services are available around  the world  The countries listed below represent those  where we regularly serve our clients  ASIA PACIFIC  Australia  Bangladesh  Brunei  Cambodia  China   Hong Kong  India  Indonesia  Japan  Laos  Macau   Malaysia  New Zealand  Pakistan  Philippines   Singapore  South Korea  Sri Lanka  Taiwan    Thailand  Vietnam EUROPE  MIDDLE EAST AND AFRICA  Albania  Algeria  Angola  Armenia  Austria   Azerbaijan  Bahrain  Belgium  Bosnia Herzegovina   Botswana  Bulgaria  Burkina Faso  Cameroon  Croatia  Cyprus  Czech Republic  Denmark  Egypt  Estonia   Finland  France  Gabon  Georgia  Germany  Ghana   Greece  Hungary  Iceland  Ireland  Israel  Italy    Jordan  Kazakhstan  Kenya  Kuwait  Kyrgyzstan    Latvia  Lebanon  Liechtenstein  Lithuania    Luxembourg  Macedonia  Madagascar  Malta   Montenegro  Morocco  Mozambique  Namibia   Netherlands  Norway  Oman  Poland  Portugal    Qatar  Romania  Russia  Saudi Arabia  Senegal    Serbia  Slovakia  Slovenia  South Africa  Spain    Sweden  Switzerland  Tanzania  Tunisia  Turkey   Ukraine  United Arab Emirates  United Kingdom NORTH AMERICA  Bahamas  Barbados  Canada  Costa Rica  Dominican  Republic  El Salvador  Guatemala  Honduras    Jamaica  Mexico  Nicaragua  Panama  United States SOUTH AMERICA  Argentina  Bolivia  Brazil  Chile  Colombia  Ecuador    Paraguay  Peru  Trinidad and Tobago  Uruguay    Venezuela   TO REACH THE FM GLOBAL OFFICE NEAREST YOU    VISIT FMGLOBAL COM CONTACT  This publication is made available for informational  purposes only in support of the insurance relationship  between FM Global and its clients  This information  does not change or supplement policy terms or  conditions  The liability of FM Global is limited to   that contained in its insurance policies   P07001   2015 FM Global  All rights reserved   In the United Kingdom  FM Insurance Company  Limited  1 Windsor Dials  Windsor  Berkshire  SL4 1RS    Regulated by the Financial Services Authority   
        
        
        
        
        
          
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