FM Global annual report 2018 : Leverage the past to change the future

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      <subfield code="a">2018 was another challenging year. We again faced significant natural disasters, particularly Hurricane Michael on the US Golf Coast and the Camp Wildfire in California, while also experiencing a high level of risk losses. This combination resulted in a 2018 combined ratio of 128.6 percent, which included following through on our 10th membership credit. During this period of increased loss activity, the strenght of our insurance offering was again affirmed through our ability to rapidly and equitably respond to claims.</subfield>
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