annual report

Annual Report

Despite an extremely competitive marketplace, we maintained a strong client base and exceeded our new business sales targets. On top of this very positive outcome, we issued our eighth membership credit to our policyholders. All in all, it was a tremendously successful year.

Our combined ratio of 85.3 percent was exemplary for the third consecutive year, and the combination of strong underwriting performance and investment results increased our surplus by 3.8 percent to US$11 billion. 

Thomas A. Lawson
President and Chief Executive Officer

Executive Message

Tom Lawson, FM Global president and CEO, and Shivan Subramaniam, chairman of the board, summarize the year’s accomplishments, challenges and trends, and set the company’s sights on the issues ahead in 2016.

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Client Profiles

Senior leaders from three major corporations, Constellation Brands, Mercy Hospital and Modine Manufacturing Company, discuss how they worked with FM Global to respond to major loss events or reduce their risk of future losses.

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Business Operations

Read about the member companies that comprise the FM Global Group.

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