The all-risk FM Global Advantage^© policy, backed by large, stable capacity, is a superior insurance product designed to help your business remain resilient. With our standard policy, you’ll find unrivalled value in our expanded cyber coverage to support your reliance on off-premises data or “cloud” services, as well as coverage for business interruption loss and costs to clean up your facility if it shuts down due to the presence of communicable disease. At the same time, you’ll benefit from simplified coverage for miscellaneous-type property, which improves your contract certainty and maximises risk transfer.

Grounded in Engineering, Designed Around You
As an FM Global client, you get an insurance policy based on engineering and research, not just on actuarial formulas. If you need the ability to scale policy options to fit your actual properties and exposures, you’ll appreciate our Business Interruption Coverage. It protects against loss of income following a disaster, wherever you operate, or however indirect your connection to the loss. While many insurance companies protect against losses from direct suppliers and incidents that increase the cost of moving your goods, our Supply Chain Solution provides incomparable risk assessment and engineering advice related to those losses. With the Contingent Time Element Extended (CTEE) and Logistics Extra Cost (LEC) options, you can even extend coverage to your suppliers’ suppliers. You can also use our Sustainability Select^© coverage to improve risk, while supporting your sustainability efforts.

Learn more about our flexible coverage options below.