FM Insurance: A Comprehensive Guide to Business Protection

Introduction to FM Insurance (FM Global)

FM Insurance, formally known as FM Global, is a leading global commercial property insurer specializing in engineering-based risk management and loss prevention. Established in 1835 by textile mill owner Zachariah Allen, the company has grown into a trusted partner for Fortune 1000 companies, with a unique focus on highly protected risk (HPR) properties.

Key Facts About FM Insurance

Headquarters: Johnston, Rhode Island, USA
Global Presence: Operations in nearly 150 countries
Workforce: Over 5,400 employees, including 1,800 loss prevention engineers
Client Base: Insures one-third of Fortune 1000 companies

🔗 Official Website: FM Global

What Makes FM Insurance Unique?

Unlike traditional insurers that rely solely on actuarial models, FM Global takes an engineering-driven approach to risk assessment. This means:
✅ Proactive loss prevention through on-site risk evaluations
✅ Customized property insurance for large-scale businesses
✅ Data-driven underwriting for more accurate risk pricing

Core Philosophy: “Resilience Over Recovery”

FM Global believes in preventing losses before they happen, rather than just paying claims. Their team of engineers works directly with clients to:

Identify vulnerabilities
Recommend protective measures
Reduce overall risk exposure

🔗 Learn more about their approach: FM Global Risk Engineering

Services Offered by FM Insurance

1. Commercial Property Insurance

FM Global’s flagship FM Advantage® policy provides all-risk coverage, including:
✔ Fire & explosion damage
✔ Natural disasters (hurricanes, earthquakes, floods)
✔ Business interruption (loss of income due to property damage)
✔ Equipment breakdown (boilers, machinery, electrical systems)

Industries Served:

Manufacturing
Energy & utilities
Technology & data centers
Healthcare & pharmaceuticals

🔗 Policy Details: FM Advantage® Coverage

2. Cyber Resilience Solutions

As cyber threats grow, FM Global offers:
✔ Cyber liability insurance (data breaches, ransomware)
✔ Risk assessment services (vulnerability testing)
✔ Incident response planning

🔗 Cyber Protection Info: FM Cyber Insurance

3. Marine & Transportation Insurance

Covers risks related to:
✔ Cargo damage (shipping, aviation, trucking)
✔ Supply chain disruptions
✔ Inland marine exposures

🔗 Marine Coverage: FM Marine Insurance

4. Business Resilience Consulting

FM Global helps companies strengthen operational continuity through:
✔ Disaster recovery planning
✔ Supply chain risk management
✔ Climate resilience strategies

🔗 Resilience Services: FM Resilience Consulting

Benefits of Choosing FM Insurance

✅ Engineering-Led Risk Prevention – Reduces claims frequency
✅ Global Reach – Support in nearly 150 countries
✅ Financial Strength – Consistently high ratings from A.M. Best (A+) and Standard & Poor’s (AA-)
✅ Customized Policies – Tailored to high-value properties

⚠ Potential Limitations:

Primarily serves large corporations (not ideal for small businesses)
Strict underwriting for high-risk industries

How to Get a Quote from FM Insurance

Submit a Business Profile – Provide details about your operations.
Risk Assessment – FM engineers may conduct an on-site evaluation.
Customized Proposal – Receive a policy aligned with your risk profile.

🔗 Request a Quote: FM Global Contact

FM Global vs. Traditional Insurers

Feature	FM Global	Traditional Insurers
Risk Approach	Engineering-based prevention	Actuarial-based pricing
Policy Customization	Highly tailored	Standardized packages
Client Focus	Large enterprises	All business sizes
Claims Philosophy	Prevent losses first	Pay claims after incidents

Final Verdict: Who Should Choose FM Insurance?

✔ Large corporations needing highly specialized property coverage
✔ Industries with complex risks (manufacturing, energy, tech)
✔ Businesses prioritizing loss prevention over just insurance payouts

🔗 For more insights, visit: FM Global Resources

Additional Resources

A.M. Best Ratings – Check FM’s financial strength
Risk & Insurance Magazine – Industry trends
Federal Emergency Management Agency (FEMA) – Disaster preparedness

FM Insurance (FM Global) is ideal for businesses seeking long-term resilience rather than just financial protection. 🏢🔧🌍