We protect today for a better tomorrow

Let’s partner for progress

We engineer new standards in risk management. Because we know that the best way to protect against loss is to prevent it. Through a unique mutual partnership, we work with you to stay ahead of risk. So, you can grow your business with confidence. 

Nearly 200 years and still going strong.

FM has a rich history of putting clients first. While we began as a small, like-minded group of small business owners, we've become an industry leader, leveraging cutting-edge research and insurance solutions that safeguard clients worldwide. With almost 200 years of experience, there's so much more to our story:

  • 1835

    Zachariah Allen leads mill owners in forming a mutual insurance company known today as FM.

  • 1877

    FM Boiler Re begins insuring boilers and later expands its coverage to machinery and equipment.

  • 1949

    Affiliated begins providing fire coverage to properties that are outside the mutual.

  • Today

    Learn more about FM, the company that helps clients prepare to prosper.

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    Building value together

    One of every four Fortune 500 companies choose to partner with us. With our deep-rooted partnerships, it's not surprising that we have retained 67% of our clients for more than 10 years.

    Success is shared through our membership and resilience credit, which is applied to offset premiums for eligible policyholders.

    • Since 2001 and through the end of 2023, approximately US$5B in membership credit returned
    • Approximately US$300M in resilience credit returned to support climate risk improvements
    • You get the flexibility to choose how you work with us: direct or through a broker
    Get the facts

  • Engineering expertise

    Through a relentless focus on data, research and engineering, we identify proven ways to minimize your loss and maximize your gain. Guided by these insights, our engineers help you prioritize your investment to deliver greater impact and efficiency—giving you the confidence to make smart business decisions.

    • Backed by science from nearly 200 years of property insurance experience
    • End-to-end loss prevention consultation-–from new construction to supply chain risk
    • World-class client training, resources and knowledge sharing
    • Scientific work conducted at our Research Campus helps protect and prepare your business before disaster strikes
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    Large insurance capacity

    Find comfort in partnering with a strong and stable property insurer. Consolidate your coverage through us so you can focus on what matters most.

    • Access industry-leading capacity up to US$2B
    • Reduce gaps in coverage and manage fewer policies
    • Rated A+, AA and A+ by AM Best, Fitch and S&P Global, respectively, with a Stable outlook from all ratings agencies

  • Rapid insurance claims response

    We provide comprehensive support before, during and after a claim.

    • Our adjuster will be on-site within 24-48 hours
    • Immediate access to capital; our adjusters are authorised to issue advance payments
    • On-site claims presence throughout the restoration process to quickly get your business up and running

Prepare to prosper

Join more than 50,000 insurance professionals and get the latest thought leadership and industry-leading best practices.

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