Sebench Engineering Inc., an independent loss control consulting firm, copyrights three of the most commonly used terms in property loss estimates - Normal Loss Expectancy (NLE), Probably Maximum Loss Loss (PML), and Maximum Foreseeable Loss (MFL). (US Copyright Registration Number: TXu1-569-297).

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Sebench Engineering Inc., an independent loss control consulting firm, filed for a patent of its RIsk Matrix Rating System, an evaluation of 23 different loss control criteria. The Risk Matrix Rating System provides a single screening point for an insurance company. The insurer will be able to use the summary score to evaluate the quality of a property's risk and insurability.

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Fire protection equipment is a major investment for any facility. When functioning properly, it can save
lives, reduce damage to property, limit the interruption of business, and lower insurance costs. A fire
protection system that is not properly maintained is a fire protection system with reduced overall
effectiveness, and it, may even be useless.

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