For second year in a row, FM is providing a 10% premium offset against eligible FM policies
JOHNSTON, R.I., Oct. 22, 2026 /PRNewswire/ — Commercial property insurer FM today announced that it will provide eligible FM clients with an estimated US$855 million through its resilience credit program.
The credit is a unique benefit made possible through FM’s mutual ownership structure. For the second year in a row, FM is providing a 10% premium offset to eligible FM clients due to extraordinary results and historically low losses.
“For two years in a row, we’ve been able to provide an enhanced 10% resilience credit—a testament to the work our clients do every day to drive lasting protection,” said Malcolm Roberts, chairman and chief executive officer of FM. “When our clients invest in loss prevention and achieve strong results, our mutual model allows us to support further improvements, creating a powerful circle of resilience.”
FM first introduced the resilience credit in 2022 with an initial focus on addressing climate-related risks. In 2025, due to clients’ resilience efforts and historically low losses, FM expanded the program to include operational risks, and doubled the credit from 5% to 10%.
Since then, FM clients have used the credit to drive risk improvement results even further. Because of that, FM will again be providing a 10% premium offset as part of its resilience credit program.
The resilience credit, together with FM’s unique engineering expertise and data and analytics capabilities, can help eligible clients implement risk improvement recommendations. The expanded program supports action on recommendations involving climate hazards and operational exposures.
The credit will be applied as a 10% premium offset against eligible FM policies with renewals or anniversaries between Jan. 1, 2027 and Dec. 31, 2027.
In April, FM also announced a record-setting US$1.5 billion membership credit. Together, these programs have helped clients strengthen their operations and build greater resilience, underscoring FM’s belief that the majority of loss is preventable.
About FM
Established nearly two centuries ago, FM is a leading mutual insurance company whose capital, scientific research capability and engineering expertise are solely dedicated to property risk management and the resilience of its policyholder-owners. These owners, who share the belief that the majority of property loss is preventable, represent many of the world’s largest organizations, including one of every four Fortune 500 companies. They work with FM to better understand the hazards that can impact their business continuity to make cost-effective risk management decisions, combining property loss prevention with insurance protection.
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