Factory Mutual Auto Insurance Review (2020)

Factory Mutual auto insurance offers many products, including loss prevention services, business insurance coverage, and risk management services.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 19, 2020

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Company Details
Address: 270 Central Avenue
City: Johnston
State: Rhode Island
ZIP Code: 02919
Phone Number: +1 401 275 3000
Year Founded: 1835
AM Best Rating: A+
Company Rating 0 (0 reviews)

Things to Remember...

  • Factory Mutual is a member of the FM Global Group and has high financial strength ratings
  • Factory Mutual began as a loss prevention insurance company focuses on business with high fire risks
  • Factory Mutual has offices throughout the whole world in addition to across the United States

The Factory Mutual Auto Insurance review is a review of the Factory Mutual Insurance Company. This company is a member of the FM Global Group.

Along with the A+ (Superior) financial strength rating from the A.M. Best Company, Factory Mutual has also received an A+ financial strength rating from Standard and Poor’s.

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Factory Mutual Insurance Company History

This company was founded in 1835 by a successful owner of a textile mill named Zachariah Allen.

He provided loss prevention insurance at a time when no other company was willing to take that chance, especially with mills, which were a tremendous fire risk.

By encouraging regular maintenance and fire inspections, the company was able to grow steadily. In 1848, Zachariah Allen formed another insurance company named Rhode Island Mutual.

Over the next two decades, the company continued to add other insurance companies to its ranks and eventually changed its name to the Associated Factory Mutual Fire Insurance Companies, commonly referred to as Factory Mutual.

Factory Mutual has had a significant impact on fire safety as well as the insurance industry as a whole. The company was one of the driving forces behind the invention and inevitable popularity of building fire sprinklers.

During the 20th century, the company used its many mutual companies to expand its lines of business.

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What kinds of insurance does Factory Mutual Insurance offer?

Factory Mutual offers many products, including loss prevention services, insurance coverage, and risk management services.

The all-risk property insurance coverage available through Factory Mutual covers a variety of things including

  • flood
  • fine arts
  • transportation
  • professional fees
  • valuable papers
  • contaminant cleanup
  • data
  • software
  • programs

The types of risk management services that Factory Mutual offers are appraisal services, brokerage services, alternative risk transfer services, industrial specialization services, a business risk consulting group, and supply chain risk management services.

The industry specializations services are for educational institutions, chemical operations, healthcare institutions, forest products, mining materials, power generation, molten materials, semiconductors, and public entities.

The brokerage services offer earthquake coverage, flood insurance, wind insurance, ocean marine coverage, and inland marine coverage.

Factory Mutual Insurance Company Locations

The Factory Mutual Insurance Company has a worldwide presence.

The countries that have Factory Mutual locations include:

  • United States
  • Canada
  • Australia
  • Brazil
  • Philippines
  • Malaysia
  • Spain
  • United Kingdom

Factory Mutual has office locations in most states in the United States.

The Factory Mutual Insurance Company does not offer any kind of business or personal auto insurance, but there are many auto insurance providers in your area.

To compare the auto insurance rates of these companies today, enter your ZIP code above!


  1. https://www.fmglobal.com/
  2. https://www3.ambest.com/ambv/bestnews/presscontent.aspx?refnum=24801&altsrc=23
  3. https://newsroom.fmglobal.com/releases/fm-global-receives-a+-and-stable-rating-affirmation-from-standard-poors
  4. https://www.irmi.com/online/insurance-glossary/terms/l/loss-control.aspx
  5. https://www.fmglobal.com/products-and-services/products

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