At FM Global's 1,600-acre Global Research Campus in ruralRhode Island, the dress code doesn't call for suits and ties buthard hats, safety glasses and lab coats. This is the appropriatewardrobe when your work involves dust-explosion bunkers,plywood-firing cannons, a fire lab the size of a football field andan earthquake-shake table that can go from zero to 60 in onesecond.

Visitors quickly learn that the carrier—one of the world'slargest property insurers—takes its science very seriously: M.I.T.serious. C.S.I. serious. Using “20 mega-watt calorimeter” and “wetelectrostatic precipitator” in the same sentence serious.

Need some numerical proof of FM Global's commitment to thescience of loss prevention? The 177-year-old mutual-insurancecompany employs more than 1,800 engineers in 120 countries—and nota single actuary.

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