Demystifying business interruption and supply chain disruption appraisals
Nurture lasting relationships by helping to strengthen your clients' resilience and continuity

Helping clients ensure business continuity and minimize the impact of potential loss events is essential. Yet it remains a challenging and often mysterious process for many. How do you change that?
Brokers who can act as advisors that help clients navigate the complexities could add real value and pave the way for positive and long-term relationships. FM Affiliated provides a range of complimentary services that will empower you to be such a partner. With our support, you can help clients assess risk exposure, understand specific coverages, and tailor solutions for effective protection.

How clients benefit from business risk consulting
Planning for potential business and supply chain interruptions requires finance and risk management expertise that businesses don’t typically have in-house. Brokers can add value by helping clients find reliable partners to fill this skills gap.
FM Affiliated’s Business Risk Consulting team provides four services to help clients better understand the potential impact of disruptions using a transparent, quantitative approach. These include:
- Insurable values reporting. We combine our proprietary engineering data with financial and accounting best practices to calculate accurate insurable values for properties and estates. Our focus on transparency helps to demystify the processes for brokers and the insured.
- Resilience and exposure analysis. Our analysts assess the financial impact of foreseeable disruption scenarios. We’ll help you understand best practice for calculating these figures and evaluate existing and potential mitigation strategies to help maximize a client’s resilience.
- Business continuity management. FM Affiliated provides consultative services to help businesses develop continuity plans that maintain key functions and minimize downtime after an adverse event. Our workshops help clients build out frameworks according to industry best practices.
- Total financial loss modeling. We analyze the uninsurable values that may be impacted in the event of a loss comprehensively. This includes second-order effects, such as how long-term cashflow may be affected in a given scenario. This helps to build a strong case for loss prevention activities.
Using these services to develop proactive risk management strategies will help your clients maximize resilience, minimize disruption, and ensure stable, reliable insurance coverage over the long term.

Become a business continuity partner to your clients
FM Affiliated's business risk consulting services help us to nurture stable, long-term relationships with clients – in partnership with brokers like yourself. We help your clients to guide operational and strategic planning, driving improved awareness of exposures, business interruption values, and mitigation techniques.
Our engineering prowess and data-driven approach have already yielded powerful results for many of our customers:
- One Alpine equipment manufacturer discovered its largest exposure came from a key manufacturing site and was much bigger than previously thought. This led it to explore implementing a new sprinkler system and securing more coverage at the affected site.
- A flooring company used an FM Affiliated business interruption interdependency study to streamline risk assessment across four mega distribution centers, feeding 150+ retail stores. We accurately quantified the company’s exposures at each site and across its supply chain.
- An early childhood care center provider discovered it was overestimating its business interruption valuations. We calculated the correct values and developed a streamlined tool the client now uses to add locations and update these calculations annually.
With FM Affiliated, you can leverage the same models and expertise as these enterprises to deliver the best experiences and protection for your clients.
If you have a mid-market commercial property insurance client you think could benefit from our risk consultancy expertise, we’d love to hear from you. Click here to submit a new business enquiry or contact a member of our team.
This is the seventh in a series of articles FM Affiliated is producing to help insurance brokers understand the value we can provide to their commercial property insurance clients. Look out for the next post, which highlights our plan review services.