FM, the US mutual that insures commercial property, said on 22 October that it will return an estimated $855m to eligible clients in 2027 through its resilience credit programme. The credit is a 10% offset against premium on eligible FM policies that renew or reach an anniversary between 1 January and 31 December 2027.
FM says the money comes from its mutual ownership. Clients are expected to use it, with FM's engineering and data tools, to carry out risk-improvement recommendations on climate hazards and operational exposures. Chairman and chief executive Malcolm Roberts said it was the second year in a row that FM could offer "an enhanced 10% resilience credit".
FM introduced the credit in 2022 with a focus on climate-related risks. According to the release, in 2025 it extended the programme to operational risks and doubled the offset from 5% to 10%, citing clients' resilience work and historically low losses. Insurance Business reported that the previous allocation, for 2026, was about $825m, and that FM links the credit to strong results and historically low losses.
The resilience credit is separate from FM's membership credit, for which the insurer announced a record $1.5bn in April. Insurance Business noted that the full value for a client depends on whether it acts on FM's recommendations, at a time when large property accounts are getting double-digit rate reductions.
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FM ↗Company · 22 Oct 2026
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