We specialize in property insurance for the middle market. It’s what we do. Every day we explore new ways to expand and tailor coverage to meet our brokers’ and clients’ evolving business challenges. A holistic look at property risk, including cost-effective, proven engineering solutions, not only offers financial protection, it can build companies that are more resilient.
We act as a long-term partner that is:

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Capable of offering creative solutions

Years of experience allow AFM underwriters and engineers to look past the obvious, helping clients achieve their goals in creative yet practical ways.

Routinely we leverage our engineering capabilities to help our clients pursue prudent loss prevention tactics that can mitigate risk. When you work with us, you’ll be teamed with a production underwriter and account engineer who work to identify practical and cost-effective solutions that match both your risk tolerance level and your business objectives.

Here’s how one client benefitted from AFM expertise to improve their risk profile and protect their business from loss.


Driven to be the best

We work hard to bring value to our brokers and clients. To see how we’re performing, we asked a third-party consulting firm to talk to our brokers.

This benchmark survey compares similar service providers. To rate as a “strategic partner” a broker must agree that the relationship is one that is mutually beneficial and aligned towards achieving a common goal. According to the third-party consulting firm, the fact that 87% of survey participants rated us as a strategic partner, who added value, is one of the highest rankings they’ve ever recorded.


Committed to a long-term approach

It’s easy to lose perspective in a volatile world. Providing stability and consistency has been a key to our success.

Significant and Stable Capacity

The commercial property insurance market can be a volatile one. Natural disasters, terrorist attacks and investment income uncertainties can make for a complicated business environment. AFM embraces these realities and stays focused on the long term, working beyond any immediate volatility. In fact, during the most significant market disturbances of the past decade (Hurricane Katrina and the 2008 stock market crash), AFM maintained its course, introducing new products, services and providing additional capacity to our clients.


Dedicated to the market

Short-term thinking focuses on short term profit; AFM looks to create value over the long haul.

It’s a common insurance industry practice to move capital between business units to take advantage of the greatest opportunity for profit. AFM commits 100 percent of its resources to serving clients’ property insurance needs. Client premium dollars are not being used to finance other growth businesses; rather, they are used to reinvest in products and services that provide meaningful value to the relationship.