This year FM Global announced it was issuing nearly half a billion dollars in premium credits to eligible clients. Why such enthusiastic thanks? As Tom Lawson, FM Global CEO put it, “it’s a way for us, as a mutual company, to share our good results with our clients”. And being a mutual company makes all the difference. It means we’re 100% owned by our policyholders, so when it comes to things like offering a standard policy with the broadest coverage or investing in a research campus to proactively help our clients avoid loss, we don’t have to ask for permission. But we don’t do it alone. Case in point, watch the video above and see how a leading trucking manufacturer reinvested their membership credit to help make their employees more proactive in loss prevention. It’s a story that shows the difference between having a policy and having a partner.