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Partner with FM, your property insurance ally
As a broker, you help clients navigate complex risks. FM partners with you to deliver engineered cover, build trust with your clients and drive mutual success.
Why partner with FM?
Expertise, transparency and consistency to help brokers succeed in every client conversation.
Long-term partnerships
FM builds enduring relationships between brokers, engineers and underwriters, developing cost-efficient, data-driven solutions tailored to your clients.
Commercial property expertise
Nearly two centuries of engineering-backed property insurance knowledge helps you position FM confidently with clients across industries.
Global reach, local presence
Seamless, compliant cover for multinational clients through global programmes and local service.
Dual delivery
Our mutual policyholders choose to work directly with FM or through their broker.
We offer this choice because our clients asked for it. As a mutual company owned by our policyholders, we focus on strong, enduring client relationships, and on an exceptionally high level of service whichever route you choose.
Transparent pricing
Our pricing is the same whether you insure through a broker partner or directly with us.
Broker education and training
In-person and online training on underwriting, loss prevention and risk management.
Insights for brokers
Science-driven protection
How FM Affiliated’s research- and engineering-led approach helps brokers deliver stronger protection, lower premiums and long-term resilience.
Shared risk strategy
Aligning a proactive risk-management philosophy with your clients’ risk appetite can unlock more favourable terms and stable premiums.
The engineering edge
Why an engineering-led underwriting model, powered by on-site field engineers and deep research, gives clients better insight and stability.
Questions brokers ask
Is pricing different if my client goes direct?
No. Our pricing is the same whether you insure through a broker partner or directly with us.
Who owns FM?
FM is a mutual company owned by its policyholders.
How fast do adjusters get to site after a loss?
Our in-house adjusters aim to be on site within 24 to 48 hours, with authority to issue advance payments.
Can FM support multinational clients?
Yes. FM provides cover for multinational clients through global programmes and local service.
Take the guesswork out of risk management
Speak to the UK team about working together.