Factory Mutual Insurance Company(RI): Contact Details, Products, Financial Details, Ratings, Claims Process, Cancellations and Renewals, Affiliates, FAQs.

Factory Mutual Insurance Company (FM Global) is a mutual insurance company founded in 1835.

Headquartered in Johnston, Rhode Island, FM Global operates offices in over 60 countries.

The company specializes in providing property insurance for large corporations and is renowned for its exceptional loss prevention services.

Factory Mutual Insurance Company

Membership or Owner

FM Global is a mutual insurance company, which means that its members are also its owners.

Members are policyholders who have met FM Global’s high standards for risk management.

Contact Details

Corporate Office Contact Information
Address 270 Central Avenue Johnston, RI 02919-4923
Phone 401-275-3000
Website FM Global Website

Factory Mutual Insurance Company(RI) Services and Products

FM Global is a commercial property insurance and loss prevention company.

It is one of the world’s largest commercial property insurers, with over $100 billion in insured values.

FM Global is known for its focus on loss prevention and its engineering expertise.


FM Global offers a variety of property insurance products, including:

Property insurance:

Covers damage to buildings and other property from fire, wind, hail, and other perils.

Business interruption insurance:

Covers lost income and expenses incurred while a business is unable to operate due to a covered loss.

Equipment breakdown insurance:

Covers the cost of repairing or replacing damaged equipment.

Marine insurance:

Covers damage to goods in transit.

FM Global also offers a variety of loss prevention services, including:

Risk assessments:

FM Global engineers will assess a member’s risks and recommend improvements to reduce the likelihood and severity of losses.

Engineering services:

FM Global engineers can help members design and construct new facilities, and retrofit existing facilities to reduce their risk of loss.

Training and education:

FM Global offers a variety of training programs and educational resources to help members improve their risk management practices.


Its engineers work with members to assess their risks, develop risk mitigation plans, and implement engineering solutions to reduce their risk of loss.

The company also offers a variety of training and education programs to help members improve their risk management practices.

These programs cover a wide range of topics, including fire safety, hazard control, and disaster preparedness

Financial Details

FM Global is a financially strong company. It has a financial strength rating of A++ (Superior) from A.M. Best and an AA+ rating from Standard & Poor’s.


FM Global has excellent ratings from all major rating agencies.

  • A.M. Best: A++ (Superior)
  • Standard & Poor’s: AA+
  • Moody’s: Aa1

Factory Mutual Insurance Company(RI) Claims Process

Report the loss:

Members can report a loss to FM Global by contacting their local FM Global representative or filing a claim online.

When reporting the loss, members should provide as much information as possible, including the date, time, location, and cause of the loss.

FM Global will assign a claims adjuster:

Once a loss is reported, FM Global will assign a claims adjuster to handle the claim.

The claims adjuster will contact the member to discuss the loss and gather additional information.

FM Global will assess the damage:

The claims adjuster will visit the site of the loss to assess the damage and determine the scope of the claim.

The claims adjuster may also need to hire experts, such as engineers or contractors, to help assess the damage.

FM Global will negotiate a settlement:

Once the damage has been assessed, the claims adjuster will negotiate a settlement with the member.

The settlement will be based on the terms of the member’s policy and the extent of the damage.

FM Global will pay the claim:

Once the settlement has been agreed upon, FM Global will pay the member the amount of the claim.

FM Global typically pays claims within 30 days of receiving the necessary documentation.

FM Global is known for its prompt and fair claims handling.

The company has a team of experienced claims adjusters who are dedicated to helping members recover from losses.

FM Global also has a reputation for paying claims quickly and fairly.

Tips for filing a claim with FM Global:

Report the loss as soon as possible.

This will help FM Global start the claims process quickly.

Be prepared to provide as much information as possible when reporting the loss.

This will help FM Global assess the damage and determine the scope of the claim.

Cooperate with the claims adjuster.

The claims adjuster needs to gather as much information as possible about the loss in order to assess the damage and negotiate a settlement.

Provide the claims adjuster with all of the necessary documentation. 

This may include documentation of the damage, such as photos and estimates from contractors.

If you have any questions about the FM Global claims process, you should contact your local FM Global representative.

Cancellations and Renewals:

  1. FM Global members possess the option to cancel their policies at any time, albeit they might incur a cancellation fee.
  2. Furthermore, policies are typically renewed for one-year terms.

Affiliates and Partnerships:

FM Global boasts several affiliates and partnerships, including:

a. Factory Mutual Engineering & Technology Corporation:

This entity, wholly owned by FM Global, offers risk assessment and engineering services.

b. FM Global Data Services:

Another wholly owned subsidiary, it furnishes data and analytics services to assist businesses in their risk management endeavors.

c. FM Approvals:

As a testing and certification body, FM Approvals assesses products and services to ensure compliance with FM Global standards.

Customer Reviews:

FM Global has garnered a sterling reputation for its outstanding customer service.

Customers consistently commend FM Global for its staff’s knowledge and responsiveness, as well as its unwavering commitment to aiding them in mitigating loss risks.

Benefits of Choosing FM Global:

  1. Financial Strength: FM Global, a financially robust company, boasts excellent ratings from all major rating agencies.
  2. Loss Prevention Services: FM Global provides a wide array of loss prevention services, aiding members in reducing their risk of loss.
  3. Expertise: FM Global maintains a team of experienced engineers and risk managers to assist members in identifying and mitigating risks effectively.
  4. Global Reach: With offices in over 60 countries, FM Global ensures seamless insurance solutions and services for members worldwide.


Does FM Global offer insurance to individuals?

How can I become an FM Global member?

  •  To become an FM Global member, you must meet FM Global’s rigorous standards for risk management.
  • For more information on becoming a member, please reach out to FM Global.

What is the claims process like with FM Global?

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