our approach


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

Our Approach

A Partnership in Risk Management

Personal relationships. Face-to-face meetings. Ongoing dialogue. This is what you can expect from your FM Global client service team.

That’s because, when your business continuity is at stake, you need more than an insurance company. You need a true business partner in risk management and resilience. That’s what you get with FM Global. Where other insurance companies rely primarily on actuarial tables, we use a hands-on, engineering-based approach.

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

Continue reading to learn about our unique approach.


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.


From assessing risk to responding to loss to supporting recovery, we form long-lasting partnerships with you. Your client service team provides personalised attention and frequent consultations, which helps them gain a deep understanding of your business and your specific risk exposure. It’s no wonder so many of our clients think of us as an extension of their property risk management team.

Learn How We Partner with You


When you sign a contract with FM Global, you can expect timely delivery of your insurance policy anywhere in the world it is written. We’re committed to ensuring the best rate in the industry: We deliver 95 percent of our master policies within 30 days of inception.

Learn About Our Timely Delivery


Maybe you want to buy direct. Or maybe you want to buy through a broker. Our dual delivery capability allows us to sell, underwrite and service both direct and brokered clients, offering a choice that doesn’t exist with most carriers.

Learn More


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