A leader in commercial property insurance

For a clear vision of the future, we can help you anticipate risk. We see what others don’t so, we can help protect your business in ways others can’t.
buildings with wind lines

business impacts

You stay ahead because we see what’s coming

Because we see what others don’t, we can help you prepare for change—by analyzing the shifting landscape to understand how emerging threats may impact your operations and provide you with proactive solutions. Here’s what we see impacting businesses around the world:
  • earth view from space

    Natural hazards

    Volatile weather is on the rise, putting businesses and communities at greater risk. Leverage our deep engineering expertise and science-backed innovation to identify, understand, and mitigate your risk using our data-driven tools.

    Are you exposed to natural hazards? Find out based on your location through our interactive map.

    View interactive map
  • data center

    The AI revolution

    AI is transforming industries—and driving massive demand for data centers. As growth and complexity rises, so do the risks. FM offers unmatched capacity and a specialized engineering approach to keep your data centers resilient, operational 24/7, and built for the future.

    Curious about how? View our webinar on tackling your data center risk.

    View webinar
  • wind turbine at sunset

    Renewable energy

    With global energy demand surging, the shift to sustainable sources is essential. FM’s dedicated renewable energy unit brings proven science and expert loss prevention to every phase of your project—from design to daily operation.

    Stay ahead with expert insights from 650 industry professionals.

    Download whitepaper here

Solutions

Solutions built around your needs

At FM, we provide a suite of offerings that address your unique property insurance needs for the long term, despite the evolving risk landscape.

  • Commercial property insurance

    FM provides global property insurance solutions and comprehensive mutual membership services with a specialty focus on high hazard occupancies.

  • Midsize property insurance

    FM Affiliated specializes in standalone commercial property insurance solutions for midsize companies and industry verticals.

  • Renewable energy coverage

    FM Renewable Energy provides coverage and expertise to help the world transition to renewable energy with confidence, from design through operation.

  • Cargo insurance solutions

    FM Cargo delivers comprehensive and flexible cargo insurance coverage and risk engineering services.

what sets us apart

Transformative risk management

Leveraging engineering expertise for science-backed solutions, strategic partnerships, and comprehensive commercial property protection
  • engineers at job site

    Put our engineering-led, risk-minded approach to work for you

    • Nearly 200-years of leading the loss prevention industry
    • 100% focused on commercial property
    • 1800+ engineers making almost 100,000 annual location visits worldwide
    • Up to US$2 billion insurance capacity
  • lightbulb

    Science-backed solutions

    Get cutting-edge risk management with our state-of-the-art scientific research, data backed insights, AI and engineering expertise.

  • Dedicated partnerships

    Your success drives everything we do. We share your goals, priorities and interests as our own—which means a tailored strategy for your business with collaboration and flexibility at every step.

  • Advancing progress

    Keep your growth going with global coverage, proactive loss prevention, and fast claims response—all backed by FM’s proven financial stability and reliability.

business woman

Sign up now to gain exclusive access to our 2025 Outlook Report.

Get a clear view into the year’s top risks from our expert predictions in eight key areas—from AI’s impact to climate risk, to the outlook for supply chains.

Required fields

Please select at least one checkbox above