TheFM Advantage™ all-risk policy

The all-risk FM Advantage™ policy, backed by large, stable capacity, is a superior insurance product designed to help your business remain resilient. With our standard policy, you’ll find unrivaled value in clear, comprehensive policy language recognized as the industry standard and trusted by more than one of every four Fortune 500 companies. FM clients benefit from the quickest delivery times in the industry, with 92% of policies delivered on or before the effective date.

"I always have my policy before the inception date. That's huge to me, and that's what comes to my mind when I think of contract certainty."

Director of Risk Management, Major industrial packaging materials supplier

Broad coverage, designed around you
The FM Advantage™ policy is one of the broadest in the insurance market. If you need the ability to scale policy options to fit your actual properties and exposures, you’ll appreciate our Business Interruption Coverage. It protects against loss of income following a disaster, wherever you operate, or however indirect your connection to the loss. While many insurance companies protect against losses from direct suppliers and incidents that increase the cost of moving your goods, our Supply Chain Solution and Business Risk Consulting provides incomparable risk assessment and engineering advice related to those losses. With the Contingent Time Element Extended (CTEE) and Logistics Extra Cost (LEC) options, you can even extend coverage to your suppliers’ suppliers. You can also use our Sustainability Select® coverage to improve risk, while supporting your sustainability efforts.