- FM has expanded its alternative risk transfer portfolio with three products designed to complement traditional property insurance.
- Parametric coverage provides rapid payouts following predefined triggers, while structured risk solutions link potential premium returns to loss performance.
- Captive cell arrangements offer businesses greater control over retained risks without the costs and administrative requirements of standalone captives.
Commercial property insurer FM has expanded its alternative risk transfer portfolio, introducing parametric insurance, structured risk solutions and captive cell arrangements to help businesses manage property exposures and improve financial predictability.
Our clients have a wide range of risk management needs and goals. We’re building solutions that give them more flexibility, greater financial certainty and new ways to strengthen resilience over the long term
Laurel Rudnick, chief underwriting officer at FM
The offerings complement traditional property insurance, providing additional options for addressing capacity constraints, controlling insurance expenditure and financing unexpected losses.
- FM’s parametric insurance provides rapid payments when predefined event triggers are exceeded, allowing policyholders to address immediate financial consequences following qualifying events.
- Structured risk solutions enable organizations to participate in loss outcomes in exchange for potential premium returns, linking insurance costs more closely to actual claims experience.
- Captive cell solutions offer many benefits of captive insurance without requiring companies to establish standalone entities, reducing setup costs, administrative complexity and operational burdens.
Together, the products are intended to provide additional capacity, support retained risk management and improve recovery following insured events.
FM will integrate these financing arrangements with its scientific research, engineering expertise and property loss prevention capabilities to help clients protect operations and maintain business continuity.
The company said appropriate regulatory notifications have been or will be submitted.
Founded nearly 200 years ago, FM is a mutual property insurer whose capital, research and engineering resources focus on managing property risks for its policyholder-owners.
