Chemical and pharmaceutical
We partner with the chemical industry to evaluate the complex risks with comprehensive management systems worldwide.
Industries
Your industry challenges aren’t like another’s.
It doesn’t matter what business you’re in. Your industry challenges aren’t like another’s. You need a partner that understands your unique hazards. FM provides a comprehensive understanding of the unique property insurance and loss prevention needs of various industries.
FM specializations for high-hazards
We specialize in insurance solutions and focused research for a number of industries:
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Mining and molten materials
Complex environments and exposures demand expert knowledge and understanding to help protect against their unique hazards.
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Power generation
FM helps the world’s leading power suppliers get the insurance coverage and the property loss prevention recommendations they need to keep running.
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Pulp and paper
We insure more than 100 of the industry’s leading companies and can put more than a century of expertise and research to work for you.
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Semiconductors
FM understands the unique challenges faced by semiconductor manufacturers, and partner with the industry to provide industry-focused loss prevention solutions.
FM Affiliated coverages for mid-market industries
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Policy overview
Learn more about our core form and Master Policy Endorsement, which extends coverage worldwide.
Below, we've compiled information on coverages that are key to the six largest industries we serve: Manufacturing, Healthcare, Retail, Real Estate, Condominium and Education.
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Manufacturing
Manufacturing clients compete in a global market full of both opportunity and risk. As technologies advance and markets become more vast, supply chains become more and more complex. FM Affiliated's account teams help manufacturing clients identify and eliminate property exposures, implement service plans, and craft a policy that will help keep their business operational in the event of a loss.
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Real estate
Real estate owners and managers face the unique challenge of balancing high investor returns and tenant satisfaction. In real estate, every decision has to come from a careful analysis of cost/benefit. And FM Affiliated is all about helping you achieve a long-term competitive advantage. With the Real Estate Endorsement added to our proVision policy, you can be sure you are getting the ideal cost/benefit balance for your real estate business.
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Healthcare
Hospitals, nursing homes and other healthcare providers not only face a unique set of exposures, but also contend with unparalleled consequences in the event of a disastrous event. When loss does occur, healthcare providers need to get back to work as soon as possible to provide the necessary care to those in need.
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Retail
Retail businesses operate in a highly competitive environment. If disaster strikes, property loss can mean a massive loss in profits, and businesses can lose their foothold in the retail market. As a retail business, you rely heavily on a chain of suppliers and distribution networks to keep up with consumer demand.
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Education
Schools and universities work hard to provide students with a first-class education in a well-maintained environment. In maintaining a comfortable learning environment for students and educators, higher education institutions have to consider inherent exposures such as seasonal tuition income, personal property of others, research & development, and dozens of additional factors. FM Affiliated has the engineering expertise to help educational institutions identify and eliminate potential property exposures and risk factors.
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Condominium
Condominium associations work hard to provide tenants with fair and individualized consideration while maintaining order and operating in the best interest of the association as a whole. FM Affiliated understands the unique challenges that condo associations face, such as loss of maintenance fees, tenant relocation expenses and emergency evacuation.