Insurance integration
FM EDI and data integration
A guide to exchanging policy, bordereaux, claim and payment data with FM: company facts from its website, what specialty insurers typically exchange, and what to confirm before setup.
Overview
Understanding FM integration
Who this is for: Managing general agents, brokers, wholesalers, administrators, reinsurers and finance teams that exchange data with FM.
FM is an insurer; its website pages describe commercial property insurance and property risk management solutions. Its website is fm.com. It is also searched for as FM Global.
This page is an integration guide. It does not reproduce FM's specifications. We looked for public EDI or integration documentation from FM and found none we could verify, so this page stays general guidance. fm.com refused automated reading (HTTP 403). Connection requirements usually come from FM itself, through its onboarding team, its companion guides or its partner portal, and they can differ by line of business, program, state and region.
Specialty insurers work through brokers, wholesalers and managing general agents, and exchange policy, premium and loss reports, often called bordereaux, claims data and payments with them and with reinsurers. These move as ACORD data, XML, agreed flat files, spreadsheets or portal uploads, and the layouts differ by program and by partner. ECOM can read and integrate ACORD data; the formats and versions a partner uses are confirmed during scoping. Everything on this page that is not attributed to FM's own pages is general practice, not FM's published requirement; confirm each point with FM before you build maps or test.
Workflows
Typical FM business workflows
Typical requirements—confirm with your trading partner. Typical flows in this industry, not FM's published process.
Typical data exchange
- 1Agree layouts per program
- 2Map policy and loss data
- 3Exchange files on schedule
- 4Reconcile premium and losses
- 5Correct rejected records
Documents and APIs
FM documents by program
Typical requirements—confirm with your trading partner. We could not verify FM's EDI requirements from a published source, so these are documents commonly exchanged in this industry, not FM's confirmed requirements. Confirm the list, versions and programs with FM.
Scroll sideways to see every column. With a keyboard, select the table and use the left and right arrow keys.
| Document | Name | Direction | Program | Status | Purpose |
|---|---|---|---|---|---|
| Bordereaux | Premium and loss reports | To FM | Not stated | General guidance | Typically reports premium and losses for each program on a regular schedule. |
| ACORD | ACORD policy and agency data | Both directions | Not stated | General guidance | Typically carries policy, endorsement and billing data between brokers, agents and the insurer. |
| Claims | Claim files and status | Both directions | Not stated | General guidance | Typically carries claim notices, status and payment details between the insurer and its partners. |
| Payments | Premium, commission and claim payments | Both directions | Not stated | General guidance | Typically moves as bank files with remittance detail that must match policy and claim records. |
Connectivity
How companies connect
AS2 or SFTP
Many insurers and administrators exchange files directly over SFTP or AS2. Confirm which methods FM accepts.
General guidance
Network or clearinghouse
Some exchanges run through a value-added network or clearinghouse that translates and routes files to the partner.
General guidance
Portals and APIs
Some insurers offer partner portals or APIs for enrollment, policy, claims or payment data; access usually requires an account and a login.
General guidance
Challenges
Common integration challenges
A layout per program
Bordereaux and policy files differ by program and partner, so one source record is mapped separately for each.
Specifications by request
Format specifications usually reach you through the insurer or through ACORD membership rather than a public download, so scoping starts by collecting them.
Reconciliation
Premium, loss and payment records must agree between partners, or the gaps surface as disputes at period end.
Confirm the current requirements
Document sets, versions and delivery rules change, and they come from FM directly, so confirm the current ones before building maps or testing.
How ECOM helps
How ECOM can support your FM integration
EDI Integration
Integrate FM files with your policy, claims, benefits and finance systems.
IndustryInsurance
See how ECOM supports insurance data exchange, from enrollment to claims.
SolutionData Formats and Data Sources
See the XML, CSV and fixed-width formats ECOM maps to and from your systems.
ServiceFully Managed EDI
Have ECOM run your connections, monitoring and partner changes.
ERP integration options
ECOM connects the files FM asks for with your policy administration, claims, benefits and finance systems, so data moves without re-keying and exceptions are shown before a partner reports them.
Visibility and exception management
ECOM can monitor each FM exchange and show late, missing or rejected files and mismatches, so your team can resolve exceptions before they affect payments or coverage.
Next step
Get help with your FM program
Each request goes to an ECOM EDI specialist with FM's name attached, so the reply starts from your program.
-
Review FM's requirements
Send us FM's guide or your program details; we explain the documents, rules and options for meeting them.
Request a requirements review -
Connect FM to your ERP
Policy, claim, enrollment, billing and payment data in and out of the policy, claims, benefits and finance systems you already run.
Discuss ERP integration -
Testing and certification
Build, test and certify each FM document, then go live with monitoring from the first file.
Plan testing and certification
Typical requirements
Which FM exchange applies to you
Typical requirements—confirm with your trading partner. This section is general practice for this type of insurer, not requirements published by FM. This guide does not imply approval, certification or a partnership.
Programs, brokers and bordereaux
Specialty business is usually organized by program. Managing general agents and brokers report premium and losses, often as bordereaux, on a schedule agreed for each program. Layouts can differ by program and partner.
Claims and payments
Claim notices and payments are exchanged separately from premium reporting, and payments usually move as bank files that must match the reports.
Regions, states and affiliates
FM may operate through different legal entities, states and regions. Requirements, contacts and connection methods can differ by entity, state, region, line of business and program, so confirm which FM entity and region applies to you before you build or test.
Typical onboarding checklist
- Confirm the entity, program and region you report under.
- Ask for the reporting layout, schedule and any validation rules.
- Agree how files are delivered and who receives them.
- Map your policy and loss data to the layout.
- Test with sample files and review rejected records.
- Reconcile premium, losses and payments each period.
FM integration FAQs
Which documents or files do partners of FM usually exchange?
Partners of specialty insurers typically exchange premium and loss reports, ACORD policy and agency data, claim files and status, premium, commission and claim payments. That is general practice, not FM's published list; confirm the set with FM.
Where do the requirements for connecting with FM come from?
From FM itself, usually through its onboarding team, companion guides or partner portal. This page does not reproduce them, and they can differ by line of business, program and region.
Do I need FM's implementation guide to start?
No. It helps to share any companion guide or file layout you already have, but if you have none, ECOM can help gather the requirements from FM and start from there.
What is not covered on this page about FM?
Which documents and file layouts FM accepts, the versions and companion guides it uses, the connection method, the testing steps and any security or compliance requirements were not found in public sources and are not covered on this page.
Can ECOM help connect with FM?
Yes. Once FM provides its requirements, ECOM can map, test and run the exchanges with your systems. This page is an integration guide and does not indicate a partnership with FM.
Sources and accuracy
This guide summarizes publicly available information as of November 2026. FM sets its own requirements and can change them at any time; your FM implementation guide, partner portal or account contact is the authoritative source for your program.
- FM, company website Official FM source
FM is a trademark of its owner. Its mention does not imply endorsement of, or a partnership with, ECOM Specialist.
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Request FM integration assistance
Tell us about your FM program, documents and ERP. We will outline the connection, mapping and testing plan.