Retail clients have a unique, challenging mix of business exposures. Often they have one or more high-value distribution centres and many smaller retail locations that are at risk for natural disasters. AFM believes that retail clients needn't be vulnerable to catastrophic property loss, so we provide clients with access to world-class loss prevention engineering services. As part of the FM Global Group, AFM provides middle-market retail clients with the same science, research and global engineering infrastructure made available to one-third of the Fortune 1000 companies.

AFM uses this engineering infrastructure to help retail clients:

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Protect Assets

Identify, prioritise, reduce and eliminate hazards—in 2011 alone client loss expectancy was reduced by US$55.8 billion.

Impact of Engineering Chart

AFM believes that retail clients don't have to be vulnerable to large property loss—and we work hard with them to reduce loss exposure and lower long-term costs of risk.

AFM consultant engineers help clients to identify exposures at key locations and provide practical solutions for controlling loss and protecting their business. Experience shows that, after only two visits from an AFM field engineer, a client's likelihood of large loss drops dramatically.


Improve operating reliability

Recovering from a catastrophic loss requires considerable time in managing property repair, dealing with customer and stockholder concerns and working with loss adjusters—time that could be better spent serving customers.

A large fire at a key location can severely disrupt a retailer's operations. However, implementing a consistent property risk management strategy across hundreds of stores can be quite difficult. AFM offers online training courses designed specifically for retail store managers to help them implement simple but effective loss prevention strategies.


Maintain profits and market share

A large property loss increases the vulnerability of a company, accentuating weaknesses in earnings, profitability, and competitive positioning. Imagine if a key competitor were affected by a large fire loss that resulted in an opportunity for you to serve their customers. Yes, the competition's insurance company will pay to fix their property and recoup the resulting business income loss. But you'll be working hard to demonstrate your products and services and keep that new customer long after the competition is back in business.

What if that fire were to occur at your property? AFM believes clients don't have to be vulnerable to this type of exposure. AFM, a member of the FM Global Group, commissioned a study looking for connections between earnings volatility and loss prevention practices.


Secure market-leading property insurance

Lower-risk retail clients deserve higher-quality insurance programmes. We help clients eliminate exposures and reduce their risk, giving them greater access to market-leading coverage and services at competitive pricing.

Our model is simple—work with retail clients to protect their business from catastrophic loss. This model enables our clients to focus on providing value to their customers, and enables us to provide outstanding insurance products that outperform our competition. We reinvest our profits in engineering services, market-leading coverage, claims services and increased capacity—all at competitive prices. The engineering infrastructure we've built over the past 175-plus years is the engine behind it all.