what is FM Global?

FM Global (now branded simply as FM) is a large U.S.-based mutual insurance company that specializes in commercial and industrial property insurance and engineering‑driven loss prevention for big businesses worldwide.[1][2]

What FM / FM Global is

  • FM (legal name Factory Mutual Insurance Company) is a mutual insurer headquartered in Johnston, Rhode Island, with offices around the world.[3][1]
  • It focuses on the “highly protected risk” (HPR) segment: large, well‑engineered properties where clients invest heavily in risk reduction (manufacturing plants, data centers, logistics hubs, etc.).[1][3]
  • The company is consistently ranked among the largest commercial property insurers globally and appears on the Fortune 500 list.[4][2]

What they do

  • Provide commercial and industrial property insurance (buildings, equipment, business interruption) to large corporations around the world.[5][2]
  • Deliver extensive risk engineering and loss‑prevention services, using a large staff of in‑house engineers who inspect properties and recommend improvements (fire protection, natural hazard resilience, equipment protection, etc.).[2][4]
  • Operate FM Approvals, which tests and certifies products and systems (e.g., roofing assemblies, fire protection equipment) for performance and loss‑prevention effectiveness according to FM standards.[6][3]

If you go to the "FM Property Loss Prevention Sheets" page, you’ll find information on a wide… very wide array, of building subjects related to the systems you’re likely to encounter. 

Here is a small sample related to roofs: