Factory Mutual Insurance Company

‘When it comes to your business, you probably hate surprises. So do we. But risk is inherently uncertain. Our unique approach to underwriting allows us to determine precisely what is at risk, so we can help your business be more resilient.nnHow do we do it? By designing your insurance policy around the reality of engineering and your specific needs. For example, our FM Global Advantage® all-risk policy can be custom-tailored to your business needs. Business Interruption coverage through Time Element Select™ gives you a choice of settlement options after a loss has occurred. You can also choose to protect your cargo, machinery and construction projects’