FM Global
FM is a global commercial property insurance and risk-management organization headquartered in Johnston, Rhode Island. The company specializes almost entirely in commercial property risk and distinguishes itself through an engineering-led insurance model. Instead of focusing only on paying claims after a loss, FM works with clients before losses occur by sending engineers to industrial, commercial, manufacturing, infrastructure, technology, and other facilities to identify vulnerabilities and recommend practical improvements. Its roots stretch back nearly two centuries, making it one of the longest-established organizations in the property-loss-prevention industry.
The company provides commercial property insurance, cargo coverage, equipment-related solutions, cyber resilience services, climate-risk analysis, project and construction support, risk engineering, impairment services, research-based product certification, and specialized solutions through businesses such as FM Affiliated, FM Approvals, FM Boiler Re, FM Cargo, and FM Essential. FM says it has more than 1,800 loss-prevention engineers making almost 100,000 facility visits annually, giving the insurer a particularly strong emphasis on prevention, engineering, and business resilience.
FM operates under a mutual ownership model rather than as a publicly traded insurer. Its policyholders effectively form the membership base, so there is no public stock ticker or conventional shareholder Investor Relations department. Current leadership is headed by Malcolm C. Roberts, Chairman and Chief Executive Officer. FM’s current careers information describes a global workforce of more than 5,900 employees across 43 countries, including more than 1,900 loss-prevention engineers. Its 2025 annual report highlighted approximately $31 billion in surplus, $1 billion in membership credits, and approximately $988 billion in total loss-expectancy reduction during the year.
FM
270 Central Avenue
Johnston, RI 02919-4949
United States
FM’s current official office directory identifies 270 Central Avenue in Johnston, Rhode Island as its Corporate Headquarters.
FM’s primary corporate office is the same as its headquarters
270 Central Avenue
Johnston, RI 02919-4949
The location serves as the central corporate base for executive leadership and enterprise-level functions.
FM maintains numerous regional and specialized offices across the United States and internationally. For example, its current Chicago office is at 8600 Bryn Mawr Ave., Suite 200, Chicago, IL 60631, while additional offices operate in Atlanta, Cleveland, Dallas, St. Louis, Washington-area markets, and many other locations. These should be treated as regional operations rather than replacements for the Rhode Island headquarters.
401-275-3000
FM publishes this as the telephone number for its Corporate Headquarters in Johnston, Rhode Island.
FM does not operate a traditional retail consumer-service call center because its customers are primarily commercial clients and brokers.
For general corporate matters, use
401-275-3000
For a property or cargo loss in the United States and Canada, FM has also published:
877-639-5677, also represented as 877-NEW-LOSS.
270 Central Avenue, Johnston, RI 02919-4949
270 Central Avenue, Johnston, RI 02919-4949
FM does not publish one universal general-purpose corporate email for all matters.
Claims are routed through client portals, regional claims offices, and published loss-reporting addresses. Certain FM publications also list customerservices@fmglobal.com for publication/resource customer service, but this should not be treated as the primary policyholder claims email.
Commercial Property Insurance, Risk Engineering, Loss Prevention, Cargo Insurance, Reinsurance and Business Resilience
FM traces its business roots back nearly 200 years through the development of mutual property insurance and engineering-led loss prevention.
5,900+ employees
FM currently reports employees across 43 countries, including more than 1,900 loss-prevention engineers.
FM’s careers information describes a large international office network, while its current office directory lists operations across the United States and numerous overseas markets. The organization has historically described more than 60 global offices, although current organizational footprints can change as offices consolidate or relocate.
FM does not publish standard public walk-in hours for its Johnston headquarters. Corporate clients and brokers should arrange appointments through their account or FM contact.
Commercial property insurance is FM’s core business. Coverage is designed for large and complex businesses that face significant property, equipment, operational, natural-hazard, and business-interruption risks. FM combines insurance capacity with engineering analysis so clients can reduce the likelihood and severity of loss rather than relying only on financial recovery after an event.
FM’s engineering teams visit client facilities to evaluate hazards involving fire, weather, equipment, construction, storage, utilities, supply chains, and operational vulnerabilities. Engineers then provide recommendations that can help organizations strengthen physical resilience and reduce potential loss severity.
FM Affiliated works through insurance brokers and serves businesses that may not fit FM’s traditional large-account model. It combines commercial property insurance with risk-engineering expertise, allowing brokers to offer clients specialized protection supported by FM’s broader research and engineering capabilities.
FM Approvals independently tests and certifies products intended to reduce property risk. More than 50,000 products and services have been tested or certified under FM’s standards, covering equipment and materials used in fire protection, construction, electrical systems, roofing, and other loss-prevention areas.
FM Boiler Re provides equipment-breakdown reinsurance solutions. The service supports insurers and their policyholders with specialized engineering, claims resources, and risk expertise involving boilers, machinery, electrical equipment, and other operational systems.
FM Cargo protects goods while they are moving through global supply chains by land, sea, or air. Services combine cargo insurance with risk-engineering support designed to address theft, physical damage, natural disasters, geopolitical issues, storage risks, and other threats that can disrupt commercial shipments.
FM Essential is a newer insurance solution designed for manufacturers with medium levels of risk complexity. The product combines property risk transfer with engineering analysis and data-driven loss-prevention guidance, allowing a wider range of manufacturers to adopt FM’s resilience-focused approach.
FM provides climate-resilience tools and engineering support to help businesses evaluate natural hazards and changing climate exposures. These services draw on decades of research into floods, severe wind, hail, wildfires, freeze conditions, and other physical threats.
FM’s cyber-resilience services combine risk assessment, engineering, and risk-transfer tools. The approach considers information security as well as physical-security, industrial-control, and building-management systems that can affect business continuity.
FM engineers assess physical security, information security, industrial controls, and building-management systems to identify weaknesses that could lead to operational interruption or property-related cyber loss. Recommendations are intended to complement broader cybersecurity controls.
FM provides claims support when insured cargo is lost or damaged. Its cargo claims capabilities are designed around complex global shipments, transportation incidents, theft, natural disasters, and other events that can affect goods in transit.
FM helps clients manage temporary impairment of critical fire-protection or safety systems. Because disabled sprinklers, pumps, alarms, or other protection equipment can rapidly increase property risk, FM provides specialized reporting and risk-management processes for these situations.
Project Services helps businesses manage property risks connected with new construction, expansion, renovation, or major capital projects. FM can review design and protection systems before construction is completed, which may help prevent expensive deficiencies from being built into a facility.
FM Intellium brings together engineering knowledge, research, risk management, and data-driven analysis in a scalable solution. It is designed to help organizations understand changing risk conditions and prioritize resilience investments across complex operations.
FM conducts scientific research into fire, natural hazards, building materials, industrial risks, and loss-prevention technology. Research findings influence FM engineering guidance, product certification, and recommendations made to commercial policyholders.
FM supports insured clients after covered losses while also incorporating lessons from claims into future prevention work. Commercial clients can report losses through FM’s online tools, client teams, or designated claims offices.
401-275-3000
401-275-3000
401-275-3000
401-275-3000
All four refer to FM’s current corporate headquarters at 270 Central Avenue in Johnston.
FM does not publish a general retail Customer Service number because it serves commercial clients.
For corporate routing
401-275-3000
Commercial clients should generally contact their assigned FM client-service team or broker.
877-639-5677
877-NEW-LOSS
This has been published for U.S. and Canadian clients reporting property or cargo losses.
No universal sales number is prominently published. New business inquiries are submitted through FM’s official Contact Us form so they can be assigned to the appropriate team.
No universal public billing number is listed. Policyholders should use the account, broker, or finance contact shown on their FM documentation.
Regional numbers vary. For example
Chicago: 847-430-7000
Atlanta: 770-777-3600
Dallas/Frisco: 972-377-4808
St. Louis: 314-453-9660.
Branch and office contacts vary by location and are listed through FM’s official office directory.
FM has country-specific and office-specific numbers rather than one universal global support line.
For insured property or cargo losses in the U.S. and Canada
877-639-5677
The published loss-reporting service is intended to support reporting around the clock.
Not applicable.
FM uses a mutual ownership model and does not have public shareholders.
FM does not prominently publish one universal media phone in the primary corporate contact information. Media inquiries should use its Newsroom or corporate communications channel.
No universal applicant HR number is prominently published.
Not applicable.
The best route depends on whether you are an existing policyholder, broker, prospective client, or someone reporting a loss. Existing clients should start with their assigned client-service team, broker, claims contact, or local FM office because commercial accounts often have dedicated personnel who already understand the insured facilities, policy structure, and loss-prevention program. If you do not know the correct contact, call the corporate headquarters at 401-275-3000 and ask to be routed to the relevant business unit or office.
For a property or cargo loss, use FM’s claims-reporting process instead of a general corporate inquiry. FM allows loss reporting through its client portal and guest reporting tools, and previously published U.S./Canada guidance lists 877-639-5677 for loss notification. Have the policyholder name, affected property or shipment, location, date and time of loss, preliminary damage information, and any existing FM account details ready.
For a new business inquiry, FM’s Contact Us form is the most appropriate route because the company can direct the inquiry to the correct underwriting, engineering, broker, or regional team. A caller with a highly specialized need, such as cargo, equipment breakdown, cyber resilience, FM Approvals, or FM Essential, should identify that need at the beginning of the conversation so the inquiry is not routed as ordinary property-policy service.
Complaints may involve claim handling, policy administration, billing, risk-engineering recommendations, service quality, broker communication, underwriting decisions, or another insured relationship. Before escalating, gather the policy number, insured entity name, affected location, claim or loss number, dates, correspondence, engineering reports where relevant, and the names of FM or broker representatives already contacted.
Begin with the FM client-service, claims, or account team responsible for your policy. Commercial FM relationships are generally account-specific, so the assigned team is usually in the strongest position to review coverage, engineering recommendations, claim status, or administrative issues. Explain the problem clearly, identify the insured entity and location, and provide any claim or policy reference numbers.
If the issue concerns a claim, contact the designated claims office or loss-reporting channel. For an engineering issue, contact the risk-engineering team. Cargo, FM Approvals, Boiler Re, FM Affiliated, and other specialized businesses maintain separate operational structures. Using the relevant department helps avoid delays caused by routing a technical commercial matter through general headquarters.
If the first contact does not resolve the issue, request review by a claims manager, account manager, underwriting leader, engineering manager, or another appropriate supervisor. Provide a written chronology and identify the specific decision or service problem being challenged. Ask the manager to explain FM’s position and what additional information would be required to reconsider the matter.
Submit the complaint in writing through the account team, corporate Contact Us system, or other written communication channel supplied by FM for your policy or region. Written complaints should include the policyholder’s legal name, policy or claim number, locations involved, dates, disputed actions, supporting documents, and the resolution requested. Keep a full copy of the submission.
If normal account escalation does not resolve a significant concern, contact FM, 270 Central Avenue, Johnston, RI 02919-4949, or call 401-275-3000 and request corporate-level routing. Headquarters escalation is most appropriate after the local or account-specific team has had an opportunity to address the issue.
Insurance disputes should be routed through the appropriate claims, underwriting, legal, or compliance process identified in the applicable policy and jurisdiction. Complex commercial policies may include contractual dispute procedures, appraisal provisions, arbitration terms, or other mechanisms that differ significantly from ordinary consumer insurance. Review the policy documents before initiating a formal dispute.
If the complaint concerns insurance conduct and remains unresolved, the policyholder may contact the insurance regulator in the state or country where the policy was issued or the insured risk is located. In the United States this is generally the relevant state Department of Insurance. Regulatory jurisdiction can depend on the underwriting entity, policy type, and location of the insured risk.
FM primarily serves sophisticated commercial organizations, so ordinary retail consumer-protection channels may not always be the best fit. However, where applicable, a business may consult the state insurance department, state Attorney General, broker, risk manager, or other available dispute-resolution resource. The organization’s internal legal or insurance advisers can help identify the most appropriate route.
For significant unresolved coverage or claim disputes, review the insurance contract for litigation, appraisal, arbitration, choice-of-law, notice, and limitation provisions. Because FM policies can cover substantial commercial assets and complex business interruption exposures, formal legal advice may be appropriate before starting litigation or arbitration. Preserve all policies, endorsements, engineering reports, claim documentation, correspondence, and expert evidence.
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