“We have an unquenchable thirst to constantly advance our knowledge to help protect what you’ve worked hard to build.”


Innovation isn’t just a buzzword we toss around. Always believing there’s a better way of doing things is truly woven into the fabric of who we are. One of our biggest strengths—and biggest differentiators—is our ability to solve problems for clients before they happen.

For nearly 200 years, we’ve been engineering solutions to build your resilience, so history doesn’t repeat itself. This spirit of innovation to develop new solutions for the risks and challenges you face—whether it be climate, fire, mechanical, cyber or something as yet unknown—is what drives everything we do.

Innovation that adds value

In 2022, world supply chains continued to be constricted, due in part to rising inflation, labor shortages, political strife, energy costs and climate change. Many feared, and continue to fear, the supply chain domino effect: When one link goes down, the losses get bigger, and so does the impact on colleagues, customers and communities—and for a longer period of time.

Last year we helped many of you understand the business impact of risks and exposures to enable better contingency planning. This was especially important in helping to prevent large, mechanical breakdowns, or boiler incidents, that can lead to extended delays.

No matter the industry, building resilience isn’t a nice-to-have, it’s a must-have to preserve today, and to prepare for tomorrow. Whether that’s producing auto parts in a single facility for an entire country or preparing specialty minerals at a flagship site in a flood zone for a global market—prioritized risk improvement efforts continue to play a key role in maximizing value.

With insurance costs climbing higher than ever, and losses felt more keenly, businesses with more resilience are better equipped to prepare for what’s ahead. It’s why we have an unquenchable thirst to constantly advance our knowledge, to help you better understand your risk, so you can take the most meaningful actions to protect what you’ve worked hard to build.

Innovation that gives back

Climate change is part of our reality, but we believe it's a problem that can be mitigated by building resilience. Last year saw more frequent and more severe weather events striking areas around the world. Many of your businesses fared well because of the risk improvement efforts you worked hard to implement.

One example is Arthrex, a global medical device company that was hit by Hurricane Ian. Despite destruction in all directions, our client remained unscathed and never missed an order. This commitment to resiliency meant they were able to fulfill their purpose by providing surgeons with the critical devices they needed to treat their patients. Even more, they opened their facility to serve as a shelter for employees whose homes were affected by the storm.

To help more of you take control of your organization’s future, we zeroed in on our global product innovation and debuted several climate resilience products in October 2022. Along with our engineers’ expertise and advising, these products can help guide your decision-making.

The climate risk report quantifies risk and offers actionable next steps, while the climate reporting aid assists in accurately reporting climate-related financial disclosures. You also benefit from the enhanced FM Global Resilience Index that measures climate risk exposure and climate risk quality to inform growth and expansion opportunities. Plus, a new resilience credit awards 5% of premium to eligible clients to support their climate risk improvements.

A personalized approach

Our relentless spirit of innovation is just one facet of the way we’re working together to build a better, brighter future. In 2022, we continued our dedication to focusing on your evolving needs to create customized solutions you can count on. To us, you’re not an insurance or business transaction—you’re true partners.

As we move forward in 2023, we’ll continue our work together with passion and purpose. Because the impact of protecting what we value goes far beyond the bottom line—it strengthens the communities that surround us, making a more prosperous world for us all.