What is a common characteristic of factory mutual insurers?

Factory mutual insurers are known for their focus on risk management and loss prevention. A common characteristic of these insurers is that they offer services designed to help businesses reduce their risk of loss. This proactive approach often includes conducting thorough assessments of the insured's property and operations, providing advice on safety practices, and suggesting improvements that can mitigate risks.

By collaborating with their clients to implement better safety measures and risk management strategies, factory mutual insurers not only protect their own financial interests but also enhance the safety and resilience of the businesses they insure. This support can significantly lower the likelihood of accidents or losses, ultimately benefiting both the insurer and the insured.

The other choices do not capture the essence of what factory mutual insurers are known for. Insuring only high-risk sites does not give a complete picture, and many insurers, including factory mutual, often take on a variety of risk levels. Conducting site inspections is typically a fundamental part of their operations; they do not ignore this step as it is essential for their risk assessment process. Additionally, factory mutual insurers primarily focus on property and casualty insurance rather than life insurance policies, which is outside their specific area of expertise.