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FM Global Insurance


FM Global Insurance is a leading provider of property insurance for businesses, offering a range of coverage options to protect against physical damage to property, business interruption, and other risks. With a long history dating back to 1835, FM Global has established itself as a trusted partner for companies seeking comprehensive insurance solutions. In this article, we will delve into the details of FM Global Insurance, comparing its plans, features, and benefits to help USA audiences make informed decisions.

History and Financial Stability

FM Global Insurance has a rich history spanning over 185 years, with a strong financial foundation. The company is rated A+ (Superior) by A.M. Best, a leading credit rating agency, indicating its financial stability and ability to pay claims. FM Global’s financial strength is further demonstrated by its $6.4 billion in policyholder surplus and $5.2 billion in gross premiums written in 2020.

Insurance Plans and Coverage

FM Global Insurance offers a range of plans and coverage options to suit various business needs. The main plans include:

Property InsuranceCovers physical damage to property, including buildings, equipment, and inventory
Business Interruption InsuranceCovers loss of income due to business interruption or supply chain disruptions
Boiler and Machinery InsuranceCovers damage to boilers, machinery, and equipment
Windstorm and Flood InsuranceCovers damage from windstorms and floods

Key Features and Benefits

FM Global Insurance plans come with several features and benefits, including:

Risk Assessment and ConsultingFM Global’s engineers assess and identify potential risks, providing recommendations for mitigation
Customized CoveragePolicies tailored to meet specific business needs
Global CoverageCoverage available in over 100 countries
24/7 Claims ServicePrompt and efficient claims processing
Loss Prevention and MitigationFM Global’s experts help prevent losses and minimize damage

Comparison with Other Insurers

FM Global Insurance stands out from other insurers in several ways:

InsurerFinancial StrengthCustomized CoverageGlobal Coverage
FM GlobalA+ (Superior)
ChubbA++ (Superior)
Liberty MutualA (Excellent)
TravelersA++ (Superior)


FM Global Insurance offers comprehensive coverage options for businesses, backed by its financial stability and expertise. With a range of plans and features, FM Global stands out as a leading provider of property insurance. USA audiences seeking reliable insurance solutions should consider FM Global Insurance for their business needs.