Property loss is preventable.
FM insures commercial and industrial property and nothing else. Our engineers, researchers and claims team work with you to prevent loss, and to get you back to business fast if it happens.
- 100%focus on commercial property protection
- 60k+insured locations in over 145 countries
- 2,000+engineers from 14 countries
- 24 to 48 hrsfor our adjusters to be on site after a loss
- 67%of clients insured for 10 years or more
Your unique needs at the centre
You focus on growing your business. We bring property insurance tailored to it, with industry-specific expertise to help you build resilience and an engineering mindset to help you stay ahead of risk.
Policies written around your risks
Industry-leading capacity for high-value assets, and policy wording that explains how cover applies to property damage and business interruption.
See our policiesEngineers who visit your sites
Our account and field engineers assess construction, occupancy, protection and exposure, then recommend practical, cost-efficient fixes.
How we manage riskClaims handled by in-house adjusters
Adjusters with settlement authority aim to be on site within 24 to 48 hours, with advance payments and continuous support.
How claims workResearch that tests what could happen
At the FM Research Campus, scientists simulate hazards like five-alarm fires and category five hurricanes, so recommendations rest on evidence rather than guesswork.
- Nearly 200years of property loss experience
- 2,000+engineers, with scientists and technicians
- Tens of thousandsof site visits each year
Specialist knowledge across 14 industries
From manufacturing and data centres to chemicals, healthcare and renewable energy, FM pairs focused research with policies built for each sector.
Manufacturing
Managing risk, streamlining supply chains and crafting policies for business continuity.
Data centres
Research, capacity and customised policies.
Chemical
Complex risks, comprehensive management systems.
Power generation
Cover and loss prevention for suppliers that must keep running.
Healthcare
Rapid recovery to keep delivering patient care.
Real estate
Balancing investor returns and tenant satisfaction with policies that offer optimal cost and benefit.
One group, six specialist businesses
The FM group covers insurance, broker services, product certification, reinsurance, cargo and renewable energy.
FM
With data-backed insights and specialised engineering, our proactive approach to property insurance helps you prevent loss.
FM Affiliated
We partner with brokers for the long term, providing tailored solutions and risk engineering services so you can be the expert for your clients.
FM Approvals
We independently test loss prevention products and services, 50,000+ and counting, and certify those that meet globally accepted industry standards.
FM Boiler Re
Equipment breakdown reinsurance solutions, with the resources you and your policyholders need.
FM Cargo
Coverage across the commercial shipping process, so supply chains stay protected from risk.
FM Renewable Energy
Support as you design, build and operate technologies that are built to last.
2027 Resilience Credit
Approximately US$855 million in resilience credit gives eligible FM clients more resources to support investment in risk reduction.
Also new: Economist Enterprise research, sponsored by FM, on how 1,800 digital infrastructure leaders are preparing for accelerating growth, AI and interconnected risks.
Read the announcement on fm.comHad a loss, or planning for one?
Report a property loss through the FM Portal, or speak to the UK team directly.