https://newsroom.fmglobal.com/rss.xmlFM Global2024-03-27T18:57:31.721588+00:00python-feedgenFM Global Newsroom Feedhttps://newsroom.fmglobal.com/releases/2024-fm-global-resilience-index-highlights-a-rapidly-evolving-risk-landscape2024 FM Global Resilience Index Highlights a Rapidly Evolving Risk Landscape2024-03-27T18:57:31.787837+00:00unspecified<![CDATA[<p><strong>JOHNSTON, R.I., March 21, 2024</strong> – Commercial property insurer <a href="http://www.fmglobal.com/">FM Global</a> today unveiled the 2024 FM Global Resilience Index with key updates to reflect the rapidly changing nature of risks faced by global businesses. The 2024 FM Global Resilience Index adds several new factors to its rankings, including education, inflation, internet usage, water stress, greenhouse gas emissions and climate change exposure.</p>
<p>The index’s 18 factors determine its annual ranking of 130 countries and territories by the resilience of their business environments. FM Global has steadily refined the interactive index over the past decade to encompass evolving concepts of business risk and resilience. The new factors reflect emerging risks to ensure the index continues to support strategic considerations for global businesses as they make critical decisions such as site selection, supply chain design and loss prevention.</p>
<p>“Businesses need incisive information to thrive in today’s challenging and constantly changing environment,” said Chris Majka, staff vice president, data visualization and reporting at FM Global. “With these new factors, the 2024 FM Global Resilience Index offers organizations important new insights as they make strategic decisions that could affect their operations and performance for years to come.”</p>
<p><strong>2024 FM Global</strong> <strong>Resilience Index rankings</strong></p>
<p>In the <a href="https://www.fmglobal.com/research-and-resources/tools-and-resources/resilienceindex">2024 FM Global Resilience Index</a>, <strong>Denmark</strong> preserved its title as the world’s most resilient business environment. Rounding out the top 10 most resilient business environments are <strong>Luxembourg</strong>, <strong>Singapore</strong>, <strong>Switzerland</strong>, <strong>Germany</strong>, <strong>Sweden</strong>, <strong>Finland</strong>, <strong>Norway</strong>, <strong>Belgium</strong> and the <strong>central United States</strong> (the United States is divided into three separately ranked regions).</p>
<p>Each country’s overall ranking is based on quantitative data in 18 resilience factors. Factors are sourced from a combination of respected third parties and FM Global’s vast engineering database, which draws upon data from FM Global property risk engineers who visit and assess more than 100,000 locations annually around the world.</p>
<p>This year’s index, which incorporates proprietary AI-enhanced risk modeling, includes twice as many resilience factors as the inaugural index in 2014. Users can drill into any factor to explore specific concerns, discovering data such as greenhouse gas reduction in Belgium and India, water conservation in Australia and political risk in Russia and Ukraine. A revamped interface streamlines factor-by-factor analysis.</p>
<p>The 2024 FM Global Resilience Index has been validated by real-world property-loss data. Countries ranked in the top 50 of the FM Global Resilience Index recover over 30% faster from property losses, on average, than locations in other countries.</p>
<p><strong>New resilience factors</strong></p>
<p>The 18 equally weighted resilience factors include:</p>
<div class="textImage textImage-left" style="float: left; width: 360px; margin: 10px 10px 10px; font-size: 90%; font-style: italic;"><img align="left" alt="Resilience Index Table Final" author="" class="widget-image" custom_size="false" data-imgheight="241" data-imgwidth="360" file_id="65fb40823d6332568e371a10" height="241" src="https://s3.amazonaws.com/cms.ipressroom.com/240/files/20242/65fb40823d6332568e371a10_Resilience+Index+Table+Final/Resilience+Index+Table+Final_mid.png" title="" width="360" /></div>
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<p>These factors collectively capture the resilience of a country’s business environment from a Macro perspective, such as political, economic and social risk, as well as from a Physical risk perspective. Physical factors affect a company’s property and tangible assets.</p>
<p>The index is part of FM Global’s effort of nearly 200 years to help protect clients’ businesses using world-class research, product testing and loss-prevention engineering.</p>
<p>Explore the 2024 FM Global Resilience Index:</p>
<ul>
<li><a href="https://fmglobalpublic.hartehanks.com/AssetDisplay?acc=11FM&itemCode=P17062" target="_blank" title="https://fmglobalpublic.hartehanks.com/assetdisplay?acc=11fm&itemcode=p17062">Executive Summary</a></li>
<li><a href="https://fmglobalpublic.hartehanks.com/AssetDisplay?acc=11FM&itemCode=P17095" target="_blank" title="https://fmglobalpublic.hartehanks.com/assetdisplay?acc=11fm&itemcode=p17095">Frequently Asked Questions</a></li>
<li><a href="https://fmglobalpublic.hartehanks.com/AssetDisplay?acc=11FM&itemCode=W00234" target="_blank" title="https://fmglobalpublic.hartehanks.com/assetdisplay?acc=11fm&itemcode=w00234">Methodology</a></li>
</ul>
<p> </p>
<p><strong>About FM Global</strong></p>
<p>Established nearly two centuries ago, FM Global is a mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world’s largest organizations, including one of every four Fortune 500 companies. They work with FM Global to better understand the hazards that can impact their business continuity to make cost-effective risk management decisions, combining property loss prevention with insurance protection. </p>
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]]>The 2024 FM Global Resilience Index adds several new factors to its rankings, including education, inflation, internet usage, water stress, greenhouse gas emissions and climate change exposure.2024-03-21T14:00:00+00:00https://www.ambest.com/video/MediaArchive.aspx?lid=1068187747001&vid=6347931517112FM Global’s Gritzo: Resilience is the backbone of sustainability2024-03-27T18:57:31.950283+00:00AM Best TV<![CDATA[]]>Dr. Louis Gritzo joins AM Best TV for a video interview to share his insights on including resilience in discussions about sustainability.2024-03-11T04:00:00+00:00https://www.insurancebusinessmag.com/us/news/breaking-news/revealed--the-american-insurance-industrys-elite-women-of-2024-480330.aspxRevealed – the American insurance industry's Elite Women of 20242024-03-27T18:57:31.973624+00:00Insurance Business America <![CDATA[]]>Insurance Business America included Laurel Rudnick, senior vice president and AFM division manager, on its Elite Women of 2024 list.2024-03-08T05:00:00+00:00https://www.businessinsurance.com/article/20240301/NEWS06/912362845/Green-building-owners-confront-insurance-hurdlesGreen building owners confront insurance hurdles2024-03-27T18:57:31.991761+00:00Business Insurance<![CDATA[]]>Amy Brown, vice president and manager of specialty industries underwriting, shares with Business Insurance the importance of finding building materials that are both sustainable and resilient.2024-03-01T05:00:00+00:00https://www.insurancebusinessmag.com/us/news/environmental/making-the-case-for-resilience-before-sustainability-478113.aspxMaking the case for resilience before 'sustainability'2024-03-27T18:57:32.010239+00:00Insurance Business <![CDATA[]]>Dr. Louis Gritzo discusses with Insurance Business how companies can pursue resilience and sustainability at the same time.2024-02-21T05:00:00+00:00https://www.insurancebusinessmag.com/asia/news/breaking-news/am-best-unveils-fm-globals-latest-ratings-477109.aspxAM Best unveils FM Global’s latest ratings2024-03-27T18:57:32.028342+00:00Insurance Business Asia <![CDATA[]]>AM Best reaffirmed FM Global’s A+ (Superior) Financial Strength Rating and “aa” (Superior) Long-Term Issuer Credit Ratings.2024-02-14T05:00:00+00:00https://newsroom.fmglobal.com/releases/releases-20240212FM Global Financial Strength Rating Affirmed A+ (Superior) by AM Best2024-03-27T18:57:32.047598+00:00unspecified<![CDATA[<p><strong>JOHNSTON, R.I., USA, Feb. 13, 2024 </strong>– Commercial property insurer Factory Mutual Insurance Company (“<a href="http://www.fmglobal.com/">FM Global</a>”) today announced that AM Best, a leading global credit rating agency, news publisher and data analytics provider specializing in the insurance industry, affirmed the company’s Financial Strength Rating (FSR) of A+ (Superior) and Long-Term Issuer Credit Ratings (Long-Term ICRs) of “aa” (Superior) with a stable outlook.</p>
<p>“The ratings reflect FM Global’s balance sheet strength, which AM Best assesses as strongest, as well as its strong operating performance, favorable business profile and appropriate enterprise risk management,” according to <a href="https://news.ambest.com/newscontent.aspx?AltSrc=104&RefNum=255635">AM Best</a>.</p>
<p>AM Best also stated that “FM Global maintains the strongest level of risk-adjusted capitalization, as measured by Best’s Capital Adequacy Ratio” and a balance sheet with “proven long-term resilience against natural catastrophe losses.”</p>
<p>The 2024 AM Best ratings follow AA and A+ ratings <a href="https://newsroom.fmglobal.com/releases/releases-20231127">announced in late 2023 by Fitch and S&P Global</a>, respectively, for FM Global.</p>
<p><strong>About FM Global</strong></p>
<p>Established nearly two centuries ago, FM Global is a mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world’s largest organizations, including one of every four Fortune 500 companies. They work with FM Global to better understand the hazards that can impact their business continuity in order to make cost-effective risk management decisions, combining property loss prevention with insurance protection.</p>
<p align="center">###</p>
]]>AM Best affirmed FM Global's Financial Strength Rating of A+ (Superior) and Long-Term Issuer Credit Ratings of “aa” (Superior) with a stable outlook.2024-02-13T15:00:00+00:00https://www.bostonglobe.com/2024/02/08/sports/megan-khang-lpga-tour/Rockland’s Megan Khang, LPGA standout, enters sponsorship deal with FM Global2024-03-27T18:57:32.090801+00:00The Boston Globe <![CDATA[]]>FM Global announces it will sponsor LPGA golfer Megan Khang for the 2024 and 2025 seasons.2024-02-08T18:32:00+00:00https://newsroom.fmglobal.com/releases/releases-20240208FM Global Announces Sponsorship of LPGA Star Megan Khang2024-03-27T18:57:32.127415+00:00unspecified<![CDATA[<div class="textImage textImage-right" style="float: right; width: 270px; margin: 10px 10px 10px; font-size: 90%; font-style: italic;"><img align="right" alt="Megan Khang 2024" author="" class="widget-image" custom_size="false" data-imgheight="360" data-imgwidth="270" file_id="65c3b6463d6332740fdb73f7" height="360" src="https://s3.amazonaws.com/cms.ipressroom.com/240/files/20241/65c3b6463d6332740fdb73f7_Megan+Khang+2024-2/Megan+Khang+2024-2_mid.jpg" title="" width="270" /></div>
<p><strong>JOHNSTON, R.I., USA, Feb. 8, 2024 </strong>– Commercial property insurer <a href="http://www.fmglobal.com/">FM Global</a> today announced it will sponsor top-ranked LPGA golfer and New England native Megan Khang for the 2024 and 2025 seasons.</p>
<p>The sponsorship follows last year’s announcement of the <a href="https://newsroom.fmglobal.com/releases/tpc-boston-to-host-2024-fm-global-championship">FM Global Championship</a>, a newly created LPGA tournament scheduled to take place from Aug. 29 to Sept. 1, 2024, at TPC Boston in Norton, Massachusetts. The tournament will offer the largest prize fund on the LPGA Tour outside of the majors and tour championship.</p>
<p>“I am thrilled to join the FM Global team. We share a belief in hard work, resilience and striving for excellence,” said Khang. “We both understand the importance of evaluating and reducing risk—and quickly rebounding from adversity—whether it’s a natural hazard threatening a business or community or a hazard on the golf course that could disrupt my game.”</p>
<p>Khang, 26, grew up in Rockland, Massachusetts, just 60 miles from FM Global’s Rhode Island headquarters. Since joining the LPGA Tour in 2016, Khang has secured 38 career top 10 finishes, earning international recognition. She achieved her first LPGA Tour victory at the 2023 CPKC Women’s Open in Canada. In January, she finished third in Florida’s LPGA Drive On Championship.</p>
<p>“We could not think of a better partner to help us bring women’s professional golf back to New England,” said Malcolm Roberts, president and chief executive officer of FM Global. “Megan brings a deep commitment to excellence and hard work both on and off the golf course, and we look forward to working together to raise awareness of our shared values and leverage our partnership to give back to our communities.”</p>
<p>As part of the sponsorship, Khang will display FM Global’s logo on her apparel and make various appearances with the company throughout the year. Khang is expected to compete at the 2024 FM Global Championship later this year.</p>
<p>The 2024 FM Global Championship marks the LPGA Tour’s return to New England for the first time since the 2004 U.S. Women’s Open, held at Orchards Golf Club in South Hadley, Massachusetts, and won by Meg Mallon. The last time the Tour competed in the greater Boston area was 1997, when Liselotte Neumann won the Welch’s Championship at Blue Hill Country Club in Canton.</p>
<p> </p>
<p><strong>About FM Global</strong></p>
<p>Established nearly two centuries ago, FM Global is a mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world’s largest organizations, including one of every four Fortune 500 companies. They work with FM Global to better understand the hazards that can impact their business continuity in order to make cost-effective risk management decisions, combining property loss prevention with insurance protection.</p>
<p align="center">###</p>
]]>FM Global will sponsor top-ranked LPGA golfer and New England native Megan Khang for the 2024 and 2025 seasons.2024-02-08T18:00:00+00:00https://commercial.pandcspecialist.com/c/4411444/573204/travelers_global_drones_assessing_risks_comm_property?referrer_module=issueHeadline&module_order=2For Travelers and FM Global, drones are key to assessing risks to comm. property2024-03-27T18:57:32.173731+00:00P&C Specialist <![CDATA[]]>Dr. Louis Gritzo, FM Global’s chief science officer, shares with P&C Specialist how drones can be a helpful and cost-effective tool when assessing risk.2024-02-07T05:00:00+00:00https://www.insurancebusinessmag.com/uk/news/breaking-news/why-insurers-and-businesses-need-to-work-closer-together-than-ever-before-475505.aspxWhy insurers and businesses need to work closer together than ever before2024-03-27T18:57:32.192157+00:00Insurance Business UK<![CDATA[]]>Bill Bradshaw, FM Global's London Operations Manager, shares the importance of collaboration between business and insurers when addressing the perma-crisis risk environment.2024-02-02T05:00:00+00:00https://bit.ly/47WETVlSpecial report: The future of AI in insurance 2024-03-27T18:57:32.210964+00:00Reuters Events<![CDATA[]]>Pentti Tofte, staff senior vice president, data analytics, provided insights on the role of AI within the insurance industry for Reuters Events latest special report.2024-02-01T15:04:00+00:00https://dynamicbusiness.com/topics/news/a-look-ahead-at-business-strategies-in-2024.htmlA look ahead at business strategies in 20242024-03-27T18:57:32.239218+00:00Dynamic Business<![CDATA[]]>Greg Duncan, vice president and client service manager at our FM Global Australia office, shares five tips for leaders to ensure business resilience in 2024.2024-01-09T05:00:00+00:00https://www.strategic-risk-europe.com/supply-chain/case-study-how-sandvik-put-its-supply-chain-to-the-ultimate-test/1447541.articleCase study: How Sandvik put its supply chain to the ultimate test2024-03-27T18:57:32.258955+00:00StrategicRISK Europe <![CDATA[]]>This case study analyzes how Swedish engineering firm Sandvik leveraged FM Global’s Business Impact Analysis (BIA) services to understand the value of its whole supply chain.2024-01-09T05:00:00+00:00https://www.businessinsurance.com/article/20231208/NEWS06/912361487/FM-Global-names-Laurel-Rudnick-middle-market-leaderFM Global names middle-market leader2024-03-27T18:57:32.276635+00:00Business Insurance <![CDATA[]]>Laurel Rudnick will begin her new role as senior vice president, division manager for AFM on Jan. 1, 2024.2023-12-08T15:44:00+00:00https://newsroom.fmglobal.com/releases/releases-20231206-6898420FM Global Names Laurel Rudnick SVP, Division Manager for AFM2024-03-27T18:57:32.294618+00:00unspecified<![CDATA[<p><strong>JOHNSTON, R.I., USA, Dec. 7, 2023 </strong>– Commercial property insurer <a href="http://www.fmglobal.com/">FM Global</a> has appointed Laurel Rudnick senior vice president, division manager for AFM, FM Global’s middle market insurance division. She will begin her new role on Jan. 1, 2024.</p>
<p>Rudnick most recently served as operations senior vice president, New York operations manager for FM Global. She joined FM Global in 2006 as a field engineer in Los Angeles operations and went on to hold a variety of roles, including account engineer, account manager, group manager account engineering and assistant client service manager. In 2018 she relocated to New York operations as client service manager and moved to her most recent role in 2021.</p>
<p>“Laurel has excelled at every step in her career at FM Global, and I am excited for her to take on a new global leadership role with AFM,” said Ziad Alex S. Tadmoury, who was recently appointed executive vice president, overseeing AFM and operations for EMEA, Asia Pacific, Canada and specialty industries. Rudnick succeeds Tadmoury as head of AFM. “With her extensive work in engineering, client service and operations, Laurel has the background and experience to help AFM continue to provide a superior experience to our broker partners and shared clients.”</p>
<p>Rudnick graduated from the University of California, Davis, with a bachelor's degree in mathematics, and California State University, Northridge, with a master’s degree in engineering management.</p>
<p><strong>About FM Global</strong></p>
<p>Established nearly two centuries ago, FM Global is a mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world’s largest organizations, including one of every four Fortune 500 companies. They work with FM Global to better understand the hazards that can impact their business continuity in order to make cost-effective risk management decisions, combining property loss prevention with insurance protection.</p>
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]]>Rudnick most recently served as operations senior vice president, New York operations manager for FM Global.2023-12-07T14:30:00+00:00https://www.insurancebusinessmag.com/au/news/breaking-news/fm-global-brings-in-nonprofit-evp-to-global-board-of-directors-468710.aspxFM Global brings in nonprofit EVP to global board of directors2024-03-27T18:57:32.329547+00:00Insurance Business<![CDATA[]]>Christine Kocot McCoy, JD, executive vice president and general counsel of Ascension Health Alliance, brings a wealth of legal and governance expertise to the FM Global board.2023-12-02T19:06:00+00:00https://newsroom.fmglobal.com/releases/releases-20231129Christine Kocot McCoy, EVP and General Counsel at Ascension, Elected to FM Global Board of Directors2024-03-27T18:57:32.346715+00:00unspecified<![CDATA[<p><strong>JOHNSTON, R.I., USA, Nov. 30, 2023</strong> – <a href="https://about.ascension.org/en/about-us/leadership/christine-kocot-mccoy">Christine Kocot McCoy</a>, JD, executive vice president and general counsel of <a href="https://about.ascension.org/">Ascension Health Alliance</a>, one of the nation’s leading nonprofit and Catholic health systems, has been elected to the board of directors of commercial property insurer <a href="http://www.fmglobal.com/">FM Global</a>. FM Global’s board comprises executives from some of the world’s most sophisticated manufacturing, distribution and service organizations.</p>
<p>McCoy is currently responsible for providing legal counsel to the Ascension organization, board of directors and executive management team, and leading legal services for Ascension and its subsidiary organizations. She manages affiliation initiatives, supports business development activities and handles outside legal relationships on behalf of Ascension. Earlier, she served as senior vice president of legal services and deputy general counsel.</p>
<p>Before joining Ascension, McCoy was a partner with the law firm Armstrong Teasdale, LLP, focusing on medical malpractice and employment litigation, representing hospitals and physicians in malpractice matters in Missouri and Illinois state courts and federal courts. She also represented management in employment- and labor-related matters before federal and state courts and local agencies in Missouri, Illinois and Washington, D.C.</p>
<p>“Christine brings a wealth of legal and governance expertise to the FM Global board,” said FM Global Board Chairman Thomas A. Lawson. “We welcome Christine to the FM Global family and look forward to the contributions she will make through her knowledge, experience and perspective to the management of our company.”</p>
<p>Other members of FM Global’s board of directors are:</p>
<ul>
<li>Frank T. Connor, executive vice president and chief financial officer, Textron Inc.</li>
<li>Colin Day, chairman, Premier Foods, plc</li>
<li>Frank Dellaquila, retired chief financial officer, Emerson Electric Company</li>
<li>Michel Giannuzzi, chairman, Verallia SA</li>
<li>Glenn R. Landau, president and COO, Corrugated Supplies Company, LLC</li>
<li>Thomas A. Lawson, chairman, Factory Mutual Insurance Company</li>
<li>John A. Luke Jr., retired chairman, WestRock Company</li>
<li>Gracia C. Martore, retired president and CEO, TEGNA Inc.</li>
<li>Christine M. McCarthy, strategic advisor and former senior executive vice president and chief financial officer, The Walt Disney Company</li>
<li>Thomas J. Quinlan III, president and CEO, R.R. Donnelley & Sons Company</li>
<li>Malcolm C. Roberts, president and CEO, Factory Mutual Insurance Company</li>
<li>David T. Walton, president and CEO, Caterpillar Financial Services Corporation</li>
</ul>
<p><strong>About FM Global</strong></p>
<p>Established nearly two centuries ago, FM Global is a mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world’s largest organizations, including one of every four Fortune 500 companies. They work with FM Global to better understand the hazards that can impact their business continuity in order to make cost-effective risk management decisions, combining property loss prevention with insurance protection.</p>
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]]>Kocot McCoy brings a wealth of legal and governance expertise to the FM Global board.2023-11-30T14:30:00+00:00https://newsroom.fmglobal.com/releases/releases-20231127Financial Strength Ratings Affirmed by Fitch (‘AA’) and S&P Global (‘A+’)2024-03-27T18:57:32.385814+00:00unspecified<![CDATA[<p><strong>JOHNSTON, R.I., USA, November 28, 2023 </strong>– FM Global, one of the world’s largest commercial property insurers and a leader in loss prevention and business continuity, today announced it has been rated AA and A+ by two of the world’s leading rating agencies.</p>
<p><a href="https://www.fitchratings.com/research/insurance/fitch-affirms-fm-global-ifs-ratings-at-aa-27-10-2023">Fitch</a> has affirmed FM Global as AA (very strong) and its rating outlook as stable, reflecting the “long-term underwriting profitability, very strong capitalization and the competitive advantages derived from the company’s engineering expertise and global presence in specialty commercial property markets, as well as benefits drawn from the company's mutual company status.”</p>
<p>This follows an upward revision of FM Global’s outlook from stable to positive by S&P Global, which affirmed an A+ financial strength rating. The update pointed out “improved results, favorable performance relative to peers and extremely strong capitalization when considering capacity to absorb extraordinary losses.” According to S&P Global, “The positive outlook also recognizes our view of the company's very strong competitive profile, supported by its innovative loss prevention solutions and prominence in the large commercial property market.”</p>
<p><strong>About FM Global</strong></p>
<p>Established nearly two centuries ago, FM Global is a mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world’s largest organizations, including one of every four Fortune 500 companies. They work with FM Global to better understand the hazards that can impact their business continuity in order to make cost-effective risk management decisions, combining property loss prevention with insurance protection.</p>
<p align="center">###</p>
]]>FM Global’s ratings and outlook reflect strong capitalization, its innovative loss prevention solutions and benefits drawn from the company's mutual company status.2023-11-28T14:30:00+00:00https://www.wsj.com/articles/a-punishing-year-of-thunderstorms-has-led-to-record-breaking-losses-102bfb0dA punishing year of thunderstorms has led to record-breaking losses2024-03-27T18:57:32.422990+00:00The Wall Street Journal <![CDATA[]]>FM Global Chief Science Officer Dr. Louis Gritzo shares with The Wall Street Journal how climate change is affecting the intensity of rain and thunderstorms.2023-11-24T14:00:00+00:00