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What is the difference between Factory Mutual (FM) and Underwriters Laboratories (UL)?

April 26, 2017difference FM laboratories UL underwriters

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What is the difference between Factory Mutual (FM) and Underwriters Laboratories (UL)?

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FM is a group of 3 property insurance companies who insure the majority of the Fortune 500 buildings in the U.S. FM also includes Factory Mutual Research Corporation (FMRC) who conducts research and develops testing protocols for evaluation of building components. FM 4470 is the standard protocol for evaluating roofing systems. It includes pass/fail tests for fire resistance, wind uplift, hail resistance and water resistance. Underwriters Laboratories evaluates a myriad of building and construction components “In the interest of public safety”. UL evaluates low slope roofing systems for fire under the UL-790 protocol.