The FM Advantage™ all-risk policy
Get an insurance policy based on engineering and research, not just on actuarial formulas.
Our policies
Get broad coverage and flexible policies based on the reality of engineering, and designed in partnership with you.
When it comes to your business, you probably hate surprises. So do we. But risk is inherently uncertain. Our unique approach to underwriting allows us to determine precisely what is at risk, so we can help your business be more resilient.
How do we do it? By designing your insurance policy around the reality of engineering and your specific needs. For example, our FM Advantage™ all-risk policy can be custom-tailored to your business needs. Business Interruption coverage through Time Element Select™ gives you a choice of settlement options after a loss has occurred. You can also choose to protect your cargo, machinery and construction projects
Learn how our products move you from risk to resilience.
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proVision® Policy
FM Affiliated's premier proVision® policy offers superior property insurance coverage, carefully crafted to meet the many needs of our clients.
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Cyber resilience
FM's Cyber Resilience Solutions is a robust combination of risk assessment, risk engineering and risk transfer—all designed to enhance business resilience.
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Business interruption coverage
Choose whichever business interruption coverage best meets your needs, and choose it after a loss occurs, once all the impacts are known.
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Boiler and machinery insurance and reinsurance
Mechanical and electrical failure can bring your business to a standstill. Protect yourself with B&M equipment coverage.
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Sustainability select
Reduce your exposure to property risk, while being environmentally responsible in mitigating that risk.
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Cargo insurance
Whether you ship by land, sea or air, protect your goods from the moment they leave the warehouse until they arrive at their destination.
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Captives and captive cells
Do you take a long-term view of property loss prevention? Are you willing to share some risk? Owning a captive can be a rewarding alternative to risk financing.