The FM Global Difference

A Collaboration in Risk Management

Your property is our sole focus.
You’ve probably come across other insurance companies that offer many lines of coverage. At FM Global, we give everything we’ve got to commercial and industrial property insurance. It’s just one way we serve our clients differently. Would you rather prevent a loss from happening than recover from one? So would we. That’s why we collaborate with our clients to make their businesses more resilient.

Here’s how it works and how it helps you win.

Mutual Ownership, Mutual Gain
You’re more than a policyholder. As an FM Global client, you’ll be an actual owner in our company. This position offers financial stability and expanded insurance capacity that our competitors can’t offer. It also rewards you with a potential membership credit premium when our financial results make it possible.

Global Delivery
Your business is moving and evolving. Why should challenges in global markets hold you back? Work with us to address compliance and complexity in your supply chain and global expansion of your facilities. You’re likely covered wherever you do business, thanks to our global services support team and WorldReach® network.

Dual Delivery Offers a Choice
Maybe you want to buy direct. Maybe you want to work with a broker. Either way, we’ve got you covered. Our dual delivery capability gives you a choice others don’t offer, allowing you to work within your comfort zone.

Engineering for Resilience
Be resilient. This single-minded mission drives our client service teams, our researchers and 1800 engineers, and every other employee of our company. By understanding your risks, you can make the right risk management decisions—today and in years to come.

Rapid Claims Resolution
Even the most resilient companies suffer losses. As a mutual insurer, we’re vested in your recovery. Our global fleet of in-house adjusters works to minimize damage and protect the continuity of your business.

Understanding Exposures
Ever wondered how a hurricane could affect your supply chain? Lean business models, consolidation and supplier complexity can create an environment of unknowns. Our business risk consultants follow the revenue stream, taking a quantitative approach to risk management and understanding the financial impact of business disruptions. The result? More informed decision-making based on the financial quantification of risk.

A United Approach
Client service and strong relationships are hallmarks of mutual ownership. Need more bench on your risk management team? Clients often tell us we’re an extension of their teams, which we think is great! Together, we help to reduce the long-term cost of risk—whether it be through engineering recommendations, research done on your behalf, policy customizations or business risk consulting.