Wind mill on grass

FM

Client-owned, client-focused: that’s the FM experience

 

When you choose FM, you're not just choosing a policy, you're choosing a partnership—aligning your resilience with our success. As a client-owned mutual, we prioritize your long-term security over short-term gains. With our investment in research and proven risk management strategies, we engineer tailored solutions that address your unique needs, offering you a comprehensive membership experience that drives business continuity and financial stability.

Why FM?

  • All-Risk Policy

    The FM Advantage™ all-risk policy

    Build your business resilience with unrivaled benefits like risk engineering advice, sustainability support and protection from loss of income following a disaster. We now provide this coverage for one in four Fortune 500 companies.

  • Climate

    Climate resilience product suite

    Mitigate the risks of an ever-changing climate by identifying the exposures you face and actionable strategies for your business with our science-backed, data-based risk management tools.

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    Sustainability select

    This two-part flexible coverage helps you reduce your exposure to property risk while allowing you to increase your environmental responsibility.

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    Captives

    A captive can be a rewarding alternative if you have a long-term view of property loss prevention and are willing to share some risk.

  • Rent-A-Captive

    Captive cells

    If you’re not ready to fully commit to a captive, this is an easy and affordable way to enjoy the benefits without the upfront costs and capital investment.