{"url":"https://newsforagent.com/news/2026-10-22/fm-resilience-credit-855-million","markdown_url":"https://newsforagent.com/news/2026-10-22/fm-resilience-credit-855-million.md","title":"FM Announces $855 Million Resilience Credit for 2027","headline":"FM to Return $855 Million to Policyholders Through 10% Resilience Credit in 2027","description":"FM will provide an estimated $855 million in resilience credits, a 10% premium offset for eligible policies renewing between January 1 and December 31.","section":"Business","published_at":"2026-10-22T13:22:36+00:00","modified_at":"2026-10-22T13:22:36+00:00","author":"News Desk","key_takeaways":["FM announced an estimated $855 million resilience credit program for eligible clients.","The credit provides a 10% premium offset on policies renewing between January 1 and December 31, 2027.","FM first introduced the resilience credit in 2022 and doubled it from 5% to 10% in 2025."],"companies":[{"name":"FM","is_primary":true,"profile_url":"https://akta.pro/company-profiles/000799l/fm","website":"https://buildfm.com"}],"source":{"publisher":"PR Newswire","title":"FM Announces US$855 Million Resilience Credit to Support Investment in Risk Reduction","url":"https://www.prnewswire.com/news-releases/fm-announces-us855-million-resilience-credit-to-support-investment-in-risk-reduction-302916969.html"},"other_sources":[],"tags":["Business","FM"],"body_markdown":"[FM](https://akta.pro/company-profiles/000799l/fm) will provide eligible clients with an estimated $855 million through its resilience credit program, the commercial property insurer said on October 22, 2026, according to [PR Newswire](https://www.prnewswire.com/news-releases/fm-announces-us855-million-resilience-credit-to-support-investment-in-risk-reduction-302916969.html). The credit applies as a 10% premium offset against eligible FM policies with renewals or anniversaries between January 1, 2027 and December 31, 2027.\n\n## FM's 10% Premium Offset for 2027 Renewals\n\nFM is providing the 10% premium offset for the second year in a row, citing extraordinary results and historically low losses. The credit is a benefit made possible through FM's mutual ownership structure. FM first introduced the resilience credit in 2022 with an initial focus on addressing climate-related risks. In 2025, the program expanded to include operational risks, and the credit doubled from 5% to 10%. The expanded program supports action on recommendations involving climate hazards and operational exposures. The credit, together with FM's engineering expertise and data and analytics capabilities, can help eligible clients implement risk improvement recommendations.\n\n\"For two years in a row, we've been able to provide an enhanced 10% resilience credit—a testament to the work our clients do every day to drive lasting protection,\" said Malcolm Roberts, chairman and chief executive officer of FM. \"When our clients invest in loss prevention and achieve strong results, our mutual model allows us to support further improvements, creating a powerful circle of resilience.\"\n\n## FM's Membership Credit and Global Scale\n\nFM declared its largest-ever membership credit of approximately $1.5 billion, with $2.3 billion in total policyholder credits, for the 2026 renewals, according to akta.pro [company records](https://akta.pro/company-data). The insurer operates across more than 60,000 locations in more than 145 countries. FM insures approximately 1,100 data centers with a combined insurable value of approximately $250 billion. FM is a mutual commercial property insurer and risk engineering firm founded in 1835, serving industrial, manufacturing, data-center, renewable-energy, and technology enterprises through engineering-led loss prevention and proprietary risk-modeling tools.\n\n## FM's Recent Risk and Partnership Moves\n\nIn October 2026, FM expanded its alternative risk transfer offering with parametric insurance, structured risk solutions, and captive cell arrangements, ReinsuranceNe.ws reported. In September 2026, FM became principal partner of Boston Common Golf in the Women's Tomorrow Golf League, according to Insurance Journal. In August 2026, FM won the 2026 US Insurance Awards for Risk Management Technology Innovation, recognized for its AI-powered digital hub that provides policyholders with engineering insights and analytics, Business Insurance reported.\n\n## What Comes Next for FM Clients\n\nThe resilience credit will be applied to eligible FM policies with renewals or anniversaries between January 1, 2027 and December 31, 2027. FM's Luxembourg Science & Technology Centre is scheduled to complete in 2027.\n","publisher":{"name":"News for Agent","url":"https://newsforagent.com"}}