FM Global

Your business resilience begins here

Our sole focus is commercial property insurance. Through a mutual partnership, we engineer solutions that keep your business going and growing strong. By using scientific research conducted exclusively for property risk, we can build your business resilience, together. Here's how.

Large insurance capacity

Find comfort in partnering with a strong and stable property insurer. Consolidate your coverage through us so you can focus on what matters most.

• Access industry-leading capacity up to US$2B
• Reduce gaps in coverage and manage fewer policies
• Rated A+, AA and A+ by AM Best, Fitch and S&P Global, respectively, with a Stable outlook from all ratings agencies

Engineering expertise

Through a relentless focus on data, research and engineering, we identify proven ways to minimize your loss and maximize your gain. Guided by these insights, our engineers help you prioritize your investment to deliver greater impact and efficiency—giving you the confidence to make smart business decisions.

• Backed by science from nearly 200 years of property insurance experience
• End-to-end loss prevention consultation-–from new construction to supply chain risk
• World-class client training, resources and knowledge sharing
• Scientific work conducted at our Research Campus helps protect and prepare your business before disaster strikes

Rapid insurance claims response

We provide comprehensive support before, during and after a claim.

• Our adjuster will be on-site within 24-48 hours
• Immediate access to capital; our adjusters are authorized to issue advance payments
• On-site claims presence throughout the restoration process to quickly get your business up and running

Building value together

One of every four Fortune 500 companies choose to partner with us. With our deep-rooted partnerships, it's not surprising that we have retained 67% of our clients for more than 10 years.

Success is shared through our membership and resilience credit, which is applied to offset premiums for eligible policyholders.

• Since 2001 and through the end of 2023, approximately US$5B in membership credit returned
• Approximately US$300M in resilience credit returned to support climate risk improvements
• You get the flexibility to choose how you work with us: direct or through a bro

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