The leading choice for commercial property insurance
With nearly 200 years of experience in property loss prevention, we're relentlessly committed to helping you see what others don’t, so together, we can protect your business in ways others can’t.
2025 FM Resilience Index
Discover how countries rank in resilience, and navigate new cybersecurity data.
Your unique needs at the centre
You’re focused on growing your business. We’re focused on bringing you property insurance solutions tailored for your business, with industry-specific expertise to help you build resilience and an engineering mindset to help you stay ahead of risk.
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FM
Protecting what matters
With data-backed insights and specialised engineering, our proactive approach to property insurance uniquely enables us to help you prevent loss.
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FM Affiliated
Empowering you as the expert
We partner with brokers for the long term, providing tailored solutions and best-in-class risk engineering services so you can be the expert for your clients.
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FM Approvals
Certification backed by scientific research
We independently test loss prevention products and services – 50,000+ and counting – and certify those that meet globally accepted, practical industry standards.
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FM Boiler Re
Specialised equipment solutions
We provide equipment breakdown reinsurance solutions, backed by a collaborative approach and the comprehensive resources you and your policyholders need.
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FM Cargo
Stable and secure shipment
With our unparalleled coverage across the commercial shipping process, you keep your business moving and supply chains protected from risk.
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FM Renewable Energy
Future-proof your energy needs
Whether you’re just entering the market or expanding your portfolio, we’ll support your journey as you design, build and operate technologies that are built to last.