FM Global

Do you take a long-term view of loss prevention? Are you willing to share risk? Owning a captive can be a worthwhile alternative to risk financing. The advantage: Any surplus funds in the captive can be reinvested. The drawback: Administrative and resource costs can be prohibitive.

Do you view minimizing property damage as a long-term undertaking? Are you willing to share the risk? Owning a captive can be a worthwhile alternative for financing risk. A major advantage: Any surplus in a captive can be reinvested. A caveat: Resource and administrative costs can become extremely high.

The 2024 Atlantic hurricane season had an above-average number of storms. Find out more about hurricane resilience.

The following article was adapted from the executive summary of the 2026 FM Resilience Index. To learn more, visit fm.com/resilienceindex.

The 2026 Atlantic hurricane season began on June 1, and the National Oceanic and Atmospheric Administration (NOAA) is forecasting a below-normal year. The outlook calls for 8 to 14 named storms, 3 to 6 hurricanes and 1 to 3 major hurricanes, against a 30-year average of 14 named storms, 7 hurricanes and 3 major hurricanes.

Resilience has become a discipline. As extreme weather rewrites historical norms, businesses in Europe are assessing their readiness for the unknown, balancing a rapid digital expansion, stricter regulations and relentless margin pressure. Ad hoc responses won’t cut it, so preparedness must be embedded long before disruptions occur, say our FM experts.

Our sole focus is commercial property insurance. Through a mutual partnership, we engineer solutions that keep your business going and growing strong.

Explore FM's financial strength, stability, and long-term commitment to supporting clients with resilient risk management solutions.

Discover FM's engineering approach to resilience through science-based loss prevention and property resistance solutions that reduce risk.

Explore FM’s history and values that have shaped our company. Learn our commitment to loss prevention, engineering, and resilience strategies to protect businesses.

Discover FM’s evolution, uniting global capabilities to deliver innovative risk solutions, engineering expertise, and a commitment to resilience.

FM clients should submit their reports on property loss directly through the portal.

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You’re focused on growing your business. We’re focused on bringing you property insurance solutions tailored for your business, with industry-specific expertise to help you build resilience and an engineering mindset to help you stay ahead of risk.