proVision® Policy


Our proVision® policy offers broad all-risk coverage in a comprehensive yet easy-to-navigate form. The document is concise and the policy language is clear and straightforward, ensuring contract certainty. In addition to covering Real Property, Personal Property and Business Interruption, the base proVision platform offers numerous advantages, including coverage for equipment breakdown and supply chain disruption.

If you have locations in more than one country, you can easily add the Master Policy Endorsement to provide seamless coverage between your master policy and the locally admitted policies. FM Affiliated offers consistent coverage for our clients' assets around the world.

Enhancements to the core form also are available via industry-specific endorsements for real estate, healthcare, retail, condominium and education occupancies. By adding one or more endorsements to the core form, we can customize coverage to provide a policy that will create maximum value and protection. Your Real Property, Personal Property and Business Interruption values can then be combined under one comprehensive single blanket limit. This gives your business maximum flexibility in the event of a catastrophic loss.

FM Affiliated coverages for mid-market industries

  • Policy overview

    Learn more about our core form and Master Policy Endorsement, which extends coverage worldwide.
    Core policy [pdf]

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.

  • Machinery

    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

    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

    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

    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

    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

    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.

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Additional resources

  • Boiler and Machinery

    Boiler & machinery coverage

    When machinery and equipment break down, you can rely on FM Affiliated's superior coverage.

  • Business Interruption

    Business interruption

    Our proVision® policy offers unique and flexible business interruption coverage.

  • Supply Chain

    Supply chain

    We cover your entire supply chain—including your direct and indirect suppliers.

  • Cyber

    Cyber

    The FM Affiliated proVision® policy treats data as insured property, and our coverage is continually evolving to stay ahead of the curve.