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Welcome to Meet the Experts, our new four-part series spotlighting incredible leaders who drive innovation, resilience, and purpose here at FM. We kick things off with Sonserae Toles, our Senior Vice President, Culture and Employee Experience. Sonserae is at the heart of our global diversity and inclusion efforts, helping shape a workplace where every voice matters. Before FM, she contributed significantly to talent management, inclusion strategies, and more at organizations such as T. Rowe Price, Siemens, GE, and Booz Allen Hamilton. For Sonserae, it's all about cultivating a workplace where purpose drives progress and diversity sparks innovation. Her expertise include diversity and inclusion, human resources, talent management, and executive recruiting. Next week, we highlight another expert shaping FM's future: Sanjay Chawla, Executive VP, Chief Investment Officer. #MeetTheExperts #Leadership #WeAreFM

Leaders have no shortage of attention-grabbing headlines to choose from, but what about the lesser-discussed risks threatening businesses worldwide? In FM's new podcast series, Sight Unseen, host Manisha Tank explores these often-overlooked risks, equipping you with the insights to prepare your business for the unexpected. ?? EPISODE 1: We examine the challenges companies face in Australia, New Zealand, and the Pacific region—from natural disasters to unique local threats—through the lens of property insurance claims. ??? Featured Guests: Andrea Garske: VP, Ops Claims Mgr, FM Catherine Osborne: CCO, Pacific Region, Marsh ?? Listen to this episode: https://ms.spr.ly/6049WtilR ?? EPISODE 2: We unpack climate risk in the APAC region and explore how immediate action can help future-proof assets and build resilience. ??? Featured Guests: Terry Weir: CFO, Hana Microelectronics Julien Oliver, PhD: AVP, Lead Research Scientist, Climate Risk & Resilience, FM ?? Listen to this episode: https://ms.spr.ly/6044Wtiln #Podcast #CommercialPropertyInsurance #ClimateChange #WeAreFM

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Change is coming to FM with the appointment of Randy Hodge as our next Chief Operating Officer, starting December 1. Randy steps into this key leadership role, building on a remarkable 34-year career. Malcolm Roberts, Chairman and CEO of FM, expressed confidence in him, citing his experience delivering industry-leading solutions to clients as the foundation for helping guide FM into the future. But, as we prepare for this new era, we remember Sir Isaac Newton’s quote: "If I have seen further, it is by standing on the shoulders of giants." Randy succeeds Bret Ahnell, who retires in March 2025 after an extraordinary 38 years of service. After such a long, storied career, one thing is certain: Bret has helped make FM the company it is today. "I would also like to extend my deepest appreciation and gratitude to Bret for his… unwavering commitment to our clients and their success," said Malcolm. Join us in congratulating Randy on the road ahead and thanking Bret for the road already traveled. ?? Find out more at https://ms.spr.ly/6040WqZRA. #FMLeadership #COO #Announcement #WeAreFM

At FM, every milestone represents a step forward in our mission to help clients create a more resilient future. Yesterday, we reached a pivotal one: the topping-off ceremony for our new state-of-the-art facility in Norwood, Massachusetts. As part of a time-honored tradition, we painted one of the highest beams white, invited attendees to sign, and crowned it with an evergreen tree. This moment symbolized more than the end of the structural phase – it honored the dedication that brought us here and the commitment to building a future that benefits our employees, clients, and communities. During the ceremony, FM's Andrew Bryson, Senior VP, Engineering and Research, said this facility represents a significant investment in a future where science, research, and business come together to anticipate and deliver innovative solutions that meet the evolving needs of our clients. As the beam lifted skyward, it served as a reminder: FM isn't just constructing a new facility; we're building upon our promise to help clients protect their purpose. #WeAreFM #Innovation #ToppingOff Shawmut Design and Construction

?? We're excited to launch our US$400M Resilience Credit to help clients worldwide invest in renewable energy infrastructure and protect against climate risk. We have provided the Resilience Credit for three consecutive years, offering $300M in 2022 and $350M in 2023 before increasing it again this year. By the end of 2025, the combined Credits will have offset $1B+ in client premiums and reduced the economic impact of natural hazards by $30B+. We remain committed to solutions backed by data, science, and engineering. This consistent approach makes it easier for you to protect your purpose. Want to learn more? ?? Visit https://ms.spr.ly/6043WiQ0z. #WeAreFM #ResilienceCredit #RenewableEnergy

The renewable energy sector is thriving, but a vital question remains: How does extreme weather impact the ability of renewable energy projects to secure insurance? At Energy Insurance Americas 2024, FM's Michael Perron dives deep into this pressing issue during a panel discussion entitled Extreme Weather & Renewables: A Critical Intersection. Moderator: Kelly Hartmann Director, Galloway Johnson Tompkins Burr & Smith Panelists: Michael Perron Renewable Energy Market Lead, FM Renewable Energy Rod Rennison Senior VP, Global Energy Services, Rimkus Laurie Burnham Principal Member of the Technical Staff, Photovoltaics Research, Sandia National Laboratories Alec Davidson Assistant VP – Business Development, Parametric Insurance & Alternative Risk, Descartes Underwriting Be part of the conversation and gain insights into the future of renewables in an increasingly unpredictable climate. ?? Learn more: https://ms.spr.ly/6046W9Xvi. #WeAreFM #RenewableEnergy #ClimateChange #EIA24

Big news out of Mexico. Monica Yasutomi has stepped up as Operations Senior Vice President, Operations Manager for Mexico and Latin America, becoming the first woman to lead FM in the region. Monica joined our team back in 2009 as a Senior Global Services Executive. Over the past 15 years, her dedication, vision, and resilience have made her the inspiring leader she is today. This historic appointment reflects our unwavering commitment to empowering the next generation of innovative leaders – those driven to partner with our clients to reduce risk and prevent loss. With Monica helping lead the way, we're excited to continue shaping the future of risk management in Latin America and beyond. #FutureOfRisk #WomenInBusiness #WeAreFM

In 1835, Zachariah Allen had a bold idea: Partner with like-minded business owners to form a mutual insurance company that not only insured against loss but also actively worked to prevent it. His vision is alive nearly two centuries later – and it’s driving our clients and partners toward a more sustainable future. The FM Resilience Credit powers a new kind of investment. Now in its third year, the US$400M initiative uses premium offsets to provide clients the flexibility to transition to renewable energy and protect against climate risks. By the end of 2025, the combined Credits—which have increased by $50M annually—will have unlocked $1B+ in premium offsets and reduced the economic impact of natural hazards by $30B+. That means FM not only values resilience – but we’re making it a reality for our partners worldwide. See how the FM Resilience Credit shapes a more sustainable future: https://ms.spr.ly/6047WkNYU. #WeAreFM #ResilienceCredit #RenewableEnergy

FM's Jason Darmofal and Greg Romano recently presented our HPR Achievement Award to IBM Research at their campus in Yorktown Heights, New York. HPR, or Highly Protected Risk, represents the gold standard of property risks. Earning this award is no easy feat – it highlights a best-in-class commitment to property loss prevention and risk management. This achievement results from visionary leadership, meticulous planning, and a culture that prioritizes safety and resilience. We're proud to recognize IBM Research for this rare and well-deserved accomplishment. #RiskManagement #PropertyLossPrevention #WeAreFM #IBM