Claims services

Getting you back in business and fast


When disaster strikes, it's easy to lose your footing. But resilient companies never lose focus, and are able to get back in business—fast.

How your business recovers from a disruption has a lot to do with how you prepared for it in the first place. Our claims professionals work closely with you before an event, to prepare your business; during an event, to protect your company from further damage; and after the event, to overcome even the hardest of hits.

We're proud of our record of fast and efficient claims resolution, and our high rate of client satisfaction. In a survey of risk managers about claims-handling best practices, FM topped the list for property claims satisfaction with a score more than twice that of the number-two carrier.

Learn about our seamless claims process below.

  • Planning Begins Before a Loss Ever Occurs

    Planning begins before a loss ever occurs

    As soon as you become an FM client, a client service team begins working closely with you. This means that the claims representative who is on the scene at your facility when you’re in the midst of disaster recovery efforts is someone you know, and know well. Pre-loss planning services and policyholder workshops further your understanding of exactly what your policy covers, and how to mitigate loss before it ever occurs.

  • Global Coverage and Immediate Claims Response

    Global coverage and immediate claims response

    No matter where in the world you do business, you’ll have a single point of contact from FM, along with dedicated local service teams. Our local claims representatives are vested with the authority to make key decisions and issue payments. Adjusters respond immediately following an event, typically arriving on-site within 48 hours, and seamlessly coordinating whatever is needed to pay your claim. Client service representatives bring together whatever additional personnel are needed to help you avoid further damage, and get up and running as quickly as possible.

  • Standing Side by Side with You

    Standing side by side with you

    When you experience a loss, every second counts. We have a strong track record for rapid claims response and in-depth services to help restore operations swiftly. We deliver on the policy faster than our competitors, but we don’t stop there. Our claims adjusters will be on-site throughout the restoration process, working in partnership with you to recover efficiently, minimizing property loss and downtime.

Additional resources

  • More Educational Resources
  • Cargo Claims Services

    Cargo claims services

    Protect your business against lost or damaged goods, cargo-related crime, natural disasters, evolving geopolitical concerns, and an ever-changing global business environment.