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Our Policies Get broad coverage and flexible policies designed around your specific needs.Services We Provide Work with us and start seeing property loss as preventable.Industries We specialise in insurance solutions and focused research for a number of industries, including:Property insurance Your property is our sole focus.Risk Management Your risk management partner.Claims Services When disaster strikes, it’s easy to lose your footing. Our claims professionals work closely with you before, during and after a loss so you can avoid major business interruptions. Broker Partnerships Take the guesswork out of risk management.Dual Delivery Choose the best path for your business needs.FM Property Loss Prevention Data Sheets Tap into nearly two centuries of experience by using our data sheets to help reduce the chance of property loss.Education and Training Explore solutions for preventing property loss.Hot Work Resources Everything you need to know to safely conduct hot work.Natural disasters Resources to prepare for earthquakes, floods and other severe weather.More Resources Everyday tools give you ongoing support.2026 FM Resilience Index® Create stronger supply chains, target new markets and sites.More resourcesAll Insights Keep pace with our property loss-prevention research and engineering.All Videos Our insights in video format.Client Stories See how our client partnerships are about a lot more than risk improvement.Climate Take control in an ever-changing climate with our insights.Why FM? Our sole focus is commercial property insurance.Our Engineering Approach Access engineering research that can't be replicated anywhere else.Financial Health Our excellent financial health holds remarkably steady year after year.Our Office Locations We’re committed to the needs of our local employees, clients, and communities. Explore our locations below.Our History Explore FM’s history and values that have shaped our company. Learn our commitment to loss prevention, engineering, and resilience strategies to protect businesses.Our Leadership Learn about our corporate governance structure.Our Organisation Risk management with tailored solutions.Sponsorships Learn about our sponsorships.Sustainability Our vision is "Resilience is for Everyone"FM Championship FM has proudly entered its first major sports sponsorship—with the LPGA.Rory McIlroy FM partners with Rory McIlroy to champion resilience.ContactEnglishGermanFrenchKoreanSpanishEnglish - UKFM AffiliatedFM ApprovalsFM Boiler ReFM CargoFM Renewable EnergyClient LoginBroker subscription formContact Usreport-an-impairmentReport a Property lossSolutionsOur PoliciesThe FM Advantage™ all-risk policyproVision® policyBoiler & machineryBusiness interruptionSupply chainCyberBusiness interruption coverageSustainability selectCargo insuranceServices We ProvideCaptives and captive cellsAppraisal ServicesArtificial intelligenceBoiler and machinery insurance and reinsuranceBrokerage servicesBusiness risk consultingCargo claims servicesCargo Risk Engineering ServicesCyber resilienceCyber risk assessmentImpairment servicesFM IntelliumProject servicesSite evaluationsSolutions for storing ignitable liquidsSupply chain risk managementIndustriesChemical IndustryData CentresPulp and paperMiningMolten materialsPower generationSemiconductorsProperty insuranceRisk ManagementClaims ServicesLoss PreventionBroker partnershipsDual DeliveryResourcesFM Property Loss Prevention Data SheetsEducation and TrainingFM Science and Technology Center, AmericasHands-on training at the FM simzoneFire service resourcesKnow more riskFM's Risk Prevention TourHot Work ResourcesNatural disastersFloodForewordKey Findings01. Extreme Weather on the Agenda02. The Resilience Gap03. Taking Action on Extreme WeatherRecommendationsHow FM Can HelpFM ExpertsMethodology2025 FM Natural Disasters ReportNathaz toolkit and mapsSevere weatherWindstormEarthquake2026 FM Resilience Index®Explore the dataMore ResourcesResearch technical reportsTechnical reports supporting code changeResource catalogueStandards and certificationFM ApprovalsInternational codes and standardsAbout usWhy FM?Enduring PartnershipsKey DifferentiatorsWe are FMOur Engineering ApproachEngineering methodsFire hazards and protectionOpen source fire modellingRisk reliability and failure preventionStructures and natural hazardsFM Research CampusFinancial HealthOur Office LocationsHong KongBrazilEscritório no BrasilAustraliaIndiaFactory Mutual Insurance Company - FranceFactory Mutual Insurance Company - SingaporeCanadaLuxembourgFactory mutual insurance company mexico branchOur HistoryOur LeadershipAlison ErbigAndrew J. BrysonBradley ParrishChristopher M. DempseyDanielle HarrisonDavid M. JohnsonDoug PattersonOmar HameedJames P. O’BrienJames P. ThompsonJeremy GallantJohnell R. HollyKevin L. BradshawKevin S. IngramLaurel J. RudnickLoic Le DreauLyndon D. BroadMalcolm C. RobertsMichael AndlerNicholas W. StepinaOmar HameedPentti TofteRandall E. HodgeRobin BenoitSanjay ChawlaSrinivasan KrishnamurthySteven J. WrinkleTara Long | Chief Information Officer at FMThierry MasurelZiad Alex S. TadmouryOur OrganisationMutualFM AffiliatedFM ApprovalsFM Renewable EnergyFM Boiler ReFM CargoSponsorships2024 FM championshipFM sponsors LPGA star Megan KhangLottie WoadRory McIlroy FM ambassador and golfing Grand Slam winnerSustainabilityFM fire prevention grant programFM Insurance Company Limited Board Diversity StatementCode of practice (australia)Modern slavery statementEventsRegulatory DisclosuresPrivacy policyPrivacy Policy - AustraliaBrasilPrivacy Policy - CanadaCanada (Français)FranceGermanyPolítica de Privacidad - MexicoPrivacy Policy - SingaporePolitica de Privacidad - EspañaUnited-kingdomPrivacy Policy - United StatesInsurance Business Transfer (Part VII) ProcessWhistleblowingTerms of useCookie NoticeCookie Notice - AustraliaAviso de Cookies - BrasilCookie Notice - CanadaCanada-frenchCookie Notice - FranceCookie-Hinweis - DeutschlandAviso de cookies - MéxicoCookie notice - SingaporeAviso de Cookies - EspañaCookie notice - United KingdomCookie Notice - United StatesCustomer PortalSearch ResultsPrivacy" PolicyTerms" of UsePrivacy PolicyTerms of UseFMFM AffiliatedFM ApprovalsFM Boiler ReFM CargoFM Renewable EnergyReport a LossReport an ImpairmentNewsEventsCareersSitemapCookie NoticeDisclosuresPrivacy PolicyTerms of UseContact UsFind a Local OfficeMediaWhistleblowing

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