{ "dataset": "Australian building insurance", "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)", "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.", "brand": { "slug": "fm", "name": "FM", "website": "https://www.fm.com/", "kind": "insurer", "underwriter": "Factory Mutual Insurance Company", "underwriter_abn": null, "underwriter_afsl": null, "lloyds": false, "distributor": null, "products": [ { "name": "FM Essential (manufacturing commercial property)", "type": "industrial_property", "segment": "industrial", "channel": "broker", "online_quote": false, "cover_basis": null, "buffer_percent": null, "flood": null, "accidental_damage": null, "levels": [], "eligibility": "Manufacturing companies with a medium-risk complexity profile.", "states": null, "documents": [], "quotes": { "product": { "text": "Through FM Essential, brokers gain a distinct placement advantage for manufacturing risks, helping them deepen client relationships by supporting long term resilience", "url": "https://www.fm.com/About-Us/Our-Organization/Essential", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Through FM Essential, brokers gain a distinct placement advantage for manufacturing risks, helping them deepen client relationships by supporting long term resilience", "url": "https://www.fm.com/About-Us/Our-Organization/Essential#:~:text=Through%20FM%20Essential%2C%20brokers%20gain,by%20supporting%20long%20term%20resilience", "document_sha256": "5f07d9c1db59f8f5a60335f507921869ef21ba9fd603f184174271d79aa1ee9e", "confirmed": "2026-11-13" } }, "channel": { "text": "Offered through FM's broker partners, FM Essential is initially designed to serve manufacturing companies with a medium-risk complexity profile.", "url": "https://www.fm.com/newsroom/news/2026/resilience-is-essential-fm-launches-new-insurance-policy-for-manufacturers", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Offered through FM's broker partners, FM Essential is initially designed to serve manufacturing companies with a medium-risk complexity profile.", "url": "https://www.fm.com/newsroom/news/2026/resilience-is-essential-fm-launches-new-insurance-policy-for-manufacturers#:~:text=Offered%20through%20FM%27s%20broker%20partners%2C,with%20a%20medium%2Drisk%20complexity%20profile.", "document_sha256": "82403f5f095b93b19bf2e6a43ceb635a32f8103e9ee9be508a1f850c3d3499be", "confirmed": "2026-11-13" } }, "eligibility": { "text": "Offered through FM's broker partners, FM Essential is initially designed to serve manufacturing companies with a medium-risk complexity profile.", "url": "https://www.fm.com/newsroom/news/2026/resilience-is-essential-fm-launches-new-insurance-policy-for-manufacturers", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Offered through FM's broker partners, FM Essential is initially designed to serve manufacturing companies with a medium-risk complexity profile.", "url": "https://www.fm.com/newsroom/news/2026/resilience-is-essential-fm-launches-new-insurance-policy-for-manufacturers#:~:text=Offered%20through%20FM%27s%20broker%20partners%2C,with%20a%20medium%2Drisk%20complexity%20profile.", "document_sha256": "82403f5f095b93b19bf2e6a43ceb635a32f8103e9ee9be508a1f850c3d3499be", "confirmed": "2026-11-13" } } }, "conditions": [ "Australia launched FM Essential in the first quarter of 2026.", "FM's core commercial property policy (all-risk, mutual client-owners) is also written in Australia but no Australian wording or minimum is published." ], "unoccupied": { "days": null, "effect": "not_stated", "excess": null, "excluded_events": null, "still_covered": null, "must_tell": null, "conditions": null, "then": null, "label": "Not stated" }, "id": "essential-manufacturing-commercial-property", "type_label": "Industrial property", "issuers": [ { "name": "Factory Mutual Insurance Company", "abn": null, "afsl": null, "lloyds": false, "slug": "factory-mutual-insurance", "apra": { "status": "authorised", "name": "Factory Mutual Insurance Company", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ] } ], "quotes": { "underwriter": { "text": "Factory Mutual Insurance Company (“FMIC”) is a leading commercial property insurance company that forms long term partnerships with its clients to support risk management objectives through a unique combination of engineering, underwriting and claims activities.", "url": "https://www.fm.com/-/media/project/publicwebsites/fm/files/office-locations/australia---remuneration-disclosure-statement-2025.pdf", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Factory Mutual Insurance Company (“FMIC”) is a leading commercial property insurance company that forms long term partnerships with its clients to support risk management objectives through a unique combination of engineering, underwriting and claims activities.", "url": "https://www.fm.com/-/media/project/publicwebsites/fm/files/office-locations/australia---remuneration-disclosure-statement-2025.pdf#page=2", "page": 2, "document_sha256": "ac996889aa94757df3a76a5ebc83927a44fbb2b7b6765172249cd4c7819c827f", "confirmed": "2026-11-13" } }, "australia": { "text": "Commercial property insurer FM today announced that it has opened an office in Perth to provide local services to its mutual client owners and broker partners in Western Australia.", "url": "https://www.fm.com/uk/insights/fm-expands-presence-in-australia-with-new-western-australia-office", "checked": { "status": "found", "at": "2026-11-13T00:55:57+00:00" }, "citation": { "quote": "Commercial property insurer FM today announced that it has opened an office in Perth to provide local services to its mutual client owners and broker partners in Western Australia.", "url": "https://www.fm.com/uk/insights/fm-expands-presence-in-australia-with-new-western-australia-office#:~:text=Commercial%20property%20insurer%20FM%20today,broker%20partners%20in%20Western%20Australia.", "document_sha256": "ab247b291f9c000f7043b026d275261b3de2ac227f36dd50d93c8ebf1e3479d6", "confirmed": "2026-11-13" } } }, "curation_notes": "The Australian legal entity, ABN and AFSL were not found on fm.com; left null. fm.com returns 403 to curl; read via headless browser.", "segments": [ "industrial" ], "issuers": [ { "name": "Factory Mutual Insurance Company", "abn": null, "afsl": null, "lloyds": false, "slug": "factory-mutual-insurance", "apra": { "status": "authorised", "name": "Factory Mutual Insurance Company", "source": { "url": "https://www.apra.gov.au/registers/list-registered-general-insurers", "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority" } }, "licence": null } ], "distributor_licence": null, "page": "https://deepalmanac.com/au/insurance/building/fm/", "json": "https://deepalmanac.com/au/insurance/building/v1/brands/fm.json" } }