Insurer profile
FM Insurance Europe S.A.
FM Insurance Europe S.A. (FMIE) is the Luxembourg-headquartered European subsidiary of FM (formerly FM Global), a leading US mutual commercial property insurer founded in 1835. FMIE is authorised by the Commissariat aux Assurances to underwrite non-life insurance policies across the EEA via EU passporting, with branches in Belgium, France, Germany, Italy, the Netherlands, Spain and Sweden, and on a freedom of services basis in remaining EEA member states. It is also authorised by FINMA to operate in Switzerland and by the UK PRA to operate in the United Kingdom through a UK branch established in November 2024. FM has operated its European headquarters in Luxembourg since 2017 and in March 2025 broke ground on a new science and technology centre in Luxembourg City expected to be completed in 2027.
Source- Legal entity
- FM Insurance Europe S.A.
- Headquarters
- Luxembourg City, Luxembourg
- Parent group
- Factory Mutual Insurance Company (FM)
- Regulator
- Commissariat aux Assurances (CAA)
- Phone
- +352 28 29 46 00
- Founded
- 2016
- Last verified
- Jul 13, 2026
Products from FM Insurance Europe S.A.
property
Commercial Property Insurance
All-risk commercial property insurance covering real property, personal property and business interruption for large and mid-market businesses operating in Luxembourg and the EEA.
property
Business Interruption Insurance
Flexible business interruption coverage including gross earnings, gross profits, rental income, extra expense and supply chain disruption protection via the Time Element Select™ and Contingent Time Element Extended features.
property
proVision® All-Risk Property Policy
Comprehensive all-risk property policy covering real property, personal property, business interruption, equipment breakdown and supply chain disruption under a single blanket limit, with industry-specific endorsements available.
cyber
Cyber Resilience Solutions
Cyber coverage within the FM property policy protecting against malicious acts, denial-of-service attacks, malware, data destruction and interruption of cloud and data processing services, treating data as insured property.
property
Cargo Insurance
Insurance protecting goods in transit by land, sea, or air against loss, damage, cargo-related crime and natural disasters, covering export/import activity, domestic and foreign inland transit, temporary storage or exhibitions, with optional business interruption endorsement (FM Cargo Time Element Select™).
property
Renewable Energy Insurance
Insurance for operational renewable energy assets (utility-scale solar PV, onshore wind, battery energy storage systems) covering property damage, machinery breakdown, business interruption and delay in start-up, available to EMEA clients since March 2025.
property
Equipment Breakdown (Boiler & Machinery) Insurance
Coverage for the breakdown of machinery and equipment, included as part of FM's property insurance policies, protecting against mechanical, electrical and pressure system failures.
property
FM Intellium – Data Center & Power Generation Insurance
Specialised insurance and engineering programme for data centers, AI infrastructure and power generation assets, launched in May 2025, offering up to US$5 billion in capacity with research-backed loss prevention and on-demand expert support worldwide.
property
FM Essential – Manufacturing Property Insurance
Commercial property insurance product for low-to-medium complexity manufacturers, launched globally in 2026, combining FM engineering expertise, data analytics and competitive risk transfer with a streamlined quote process and support for both 100% and shared/layered placements.
Regulatory updates
FM Insurance Europe S.A. is actively authorised by the CAA as a Luxembourg non-life insurer (trade register B211309) and remains in good standing with its regulator. The company publishes annual Solvency and Financial Condition Reports (SFCR) and EU Taxonomy Reports under Solvency II; the 2025 SFCR and 2025 EU Taxonomy Report are publicly available on fm.com. The 2024 SFCR confirmed a capital coverage ratio of 426% (available funds €737m against a capital charge of €173m under LuxGAAP). As part of an internal group reorganisation, FMIE transferred its UK insurance operations to a newly established UK branch on 30 November 2024 under Part VII of the UK Financial Services Markets Act 2000. From 17 January 2025, EU Regulation 2022/2554 (DORA) applies directly to FMIE as a Luxembourg-licensed insurer; the CAA issued Circular Letter 25/1 setting out practical DORA implementation requirements including ICT incident reporting and Register of Information submissions. The modernisation law of 29 March 2024 (published in the Official Journal on 2 April 2024) updated CAA governance, insurance secrecy, and ICT outsourcing rules applicable to all CAA-supervised insurers including FMIE. Luxembourg's insurance sector was also subject to a 2024 IMF FSAP review.