FM Global 资产防损(常见危险源)---ArsonThreat.pdf

Reducing the Arson Threat fm This brochure 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. Arson, also called incendiarism, can strike at any time, day or night. And, the target isn’t always an abandoned building. Arsonists have been known to target new, occupied and well-protected facilities as well, and no property owner or manager can afford to be unprepared. Arson Strikes Every Day The cost of property loss caused by arsonists—people who maliciously set fires—is monumental worldwide. Billions of dollars are spent in the United States alone every year on arson-caused damage. Studies show that, from 1994 to 2004, arson was the second most frequent probable cause of all fires and the third most severe in terms of damage costs, as reported by clients of FM Global. From 1994 to 2004, arson was the second most frequent probable cause of all fires and the third most severe in terms of damage costs, as reported by clients of FM Global. 1 What Motivates Arsonists? Arsonists strike for a variety of reasons: to conceal crimes; because they are acting out of jealousy, political activism, revenge or spite; or simply for thrills and vandalism. Unhappy or disgruntled former employ- ees are particularly dangerous. They likely know the easiest ways to access your buildings. In too many facilities, they can enter and move about freely. Because other employees know them, they may be above suspicion. Some types of facilities are more vul- nerable than others. FM Global analysis shows the following five classifications reported the most arson fire losses in North America from 1994 to date: 1. Manufacturing plants 2. Department stores, malls and offices 3. Residential buildings, including hotels, motels and ap