our approach


A company able to withstand a disruption is a company built with resilience.

Our Approach

A Partnership in Risk Management

To become and remain resilient, you need a partner in risk management; someone to help you prevent loss, and to be there before, during and after a loss. That’s where FM Global comes in. With an industry-leading 95% annual client retention rate and average tenure of more than 20 years, we are in it for the long term.

As a mutual company, FM Global is owned by its policyholders, which is why we are so focused on creating strong, enduring client relationships. Unlike other property insurers, we offer you the option to choose how you’d like to partner with us.

You can choose to work directly with your FM Global client service team—without a third party negotiating on your behalf—or you may decide to include a broker partner in your relationship. It’s your choice, and in either case, rest assured you will receive an exceptionally high level of service and quality insurance products.



From assessing risk, to responding to loss, to supporting recovery, you’ll have a client service team that knows you—and knows you well. Right from the start, we work to understand your business and your specific risk exposures. Consultations and site evaluations of your facilities can bring to light any issues that could put your business at risk, with findings provided in a detailed Risk Report.

Our Client Service Process is a cooperative effort to define a mutual path for success aligning our services to meet your business and risk management objectives. This process gives you a clear view of where we’ve been and where we’re going, all with the goal to keep your business resilient over time.

Direct access to our experts throughout the company provides you with the one-to-one property loss prevention analysis you need to stay resilient, and peace of mind knowing that mutual success is the key to our partnership. It’s no wonder so many clients see our services as invaluable to their property risk management team.

The result? Property insurance coverage tailored to the realities of your business and your particular property risk management challenges.


Your company isn’t like any other, and your industry challenges are changing all the time. No matter what industry you’re in, we provide deep, comprehensive understanding of your unique property insurance and loss-prevention needs.

Learn How We Serve Your Industry


When you partner with FM Global, you can expect a compliant insurance program worldwide. We’re committed to ensuring the most timely delivery in the industry: We deliver 99% of our master policies within 30 days of inception.

Learn About Our Timely Delivery


At FM Global, the majority of our business is placed through broker partners across the world. At the core of these business arrangements are carefully cultivated relationships built on trust and transparency. Together, we’re focused on ensuring our clients’ business resilience.

Learn About Our Broker Partnerships