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.
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
- Last verified
- May 1, 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
Cargo insurance covering goods shipped by land, sea or air from warehouse to destination, including export/import activity, domestic and foreign inland transit, and temporary storage or exhibitions.
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.
other
Cargo Insurance
Insurance protecting goods in transit by land, sea, or air against loss, damage, cargo-related crime, and natural disasters, with optional business interruption endorsement (FM Cargo Time Element Select™).
Regulatory updates
FM Insurance Europe S.A. is actively authorised by the CAA as a Luxembourg non-life insurer (trade register B211309). It publishes annual Solvency and Financial Condition Reports (SFCR) and EU Taxonomy Reports as required under Solvency II. The 2024 SFCR and 2025 EU Taxonomy Report are publicly available on fm.com. In March 2025, FMIE announced the launch of its FM Renewable Energy operational insurance policy for EMEA clients. Luxembourg's insurance sector was subject to a 2024 IMF FSAP review, and a modernisation law (29 March 2024) updated governance and ICT outsourcing rules for all CAA-supervised insurers including FMIE.