Underwriting that asks the right questions.
Four controls catalogs built on the published standards for lithium-ion, hydrogen fuel cell, stationary robot, and lead-acid operations.
- FM DS 7-112 · Oct 2024
Lithium-ion mobile equipment
Controls covering state of charge, sprinkler design, detection and ventilation, damaged-battery handling, mixed fleets.
Questions underwriting asks
- What is the maximum state of charge for batteries in storage?
- Is FM Approved off-gas detection installed where batteries charge?
- Where are damaged batteries quarantined?
- NFPA 2 + CSA HPIT 1 and 2
Hydrogen fuel cell
Controls covering hydrogen storage, indoor dispensing, gas detection, emergency shutoff, ventilation.
Questions underwriting asks
- Is hydrogen stored outdoors?
- Does gas detection shut off the supply automatically?
- Is there a remote emergency stop outside the building?
- ANSI/A3 R15.06-2025
Stationary robots
Controls covering risk assessment, collaborative operation, validation, cybersecurity.
Questions underwriting asks
- Is there a documented, task-based risk assessment for each cell?
- Which collaborative operation method does each cell use?
- Which edition of R15.06 have you adopted?
- OSHA 1910.178(g)
Lead-acid batteries
Controls covering charging areas, ventilation, electrolyte handling, charger protection, battery changing.
Questions underwriting asks
- Is there a designated charging area?
- Are chargers protected from truck impact?
- Is there an eyewash or emergency shower within the required distance?
Why controls earn credit
Rating plans have long recognized loss control through schedule rating. A control that makes a loss less likely, or smaller when it happens, lowers expected losses, and actuarial ratemaking practice reflects that in the premium.
The catalogs make those controls explicit. Each one is tied to the standard it comes from, so an underwriter can verify it rather than infer it from an occupancy class.
Verified engineering controls earn premium credit, validated by an underwriter prior to binding.
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