Why Insurers & Global Businesses Trust FM Approved PIR Panels
FM Approval vs. Standard Fire Ratings (like BS 476)
While standards like BS 476 measure how long a component can resist a controlled fire in a lab (fire resistance), FM Approval takes a far more comprehensive, risk-based approach.
| Aspect | Standard Fire Ratings (e.g., BS 476) | FM Approval (e.g., FM 4880) |
| Main Focus | Measures time to failure (integrity, insulation). | Focuses on overall risk mitigation, including fire spread, smoke, and structural collapse. |
| Testing Method | Standardized lab furnace test. | Large-scale, realistic fire simulations (e.g., corner tests) that mimic actual conditions. |
| Scope | Tests individual components. | Tests the entire assembly (panels, joints, fasteners) as it would be installed. |
| Goal | Code compliance. | Real-world property loss prevention and asset protection. |
The Strategic Advantage of FM Approval
Developed by an Insurer
FM Approval standards are created by FM Global. They directly align with an insurer's primary goal: minimizing claims by preventing catastrophic losses.
Reduced Premiums & Liability
Buildings constructed with FM Approved systems have a proven history of better fire performance, which can lead to more favorable insurance terms and lower premiums.
Global Risk Management
Multinational corporations specify FM Approved products to ensure a consistent, high standard of fire safety across all their facilities worldwide.
Beyond Code Compliance
While other ratings meet minimum legal requirements, FM Approval provides assurance that your assets are protected against severe, real-world fire incidents.
