internal
Malcolm Roberts
Chairman and Chief Executive Officer
Executive
10 yr
12 reports
FM
Mutual insurer run without a separate holding-company CEO layer
Financials · Fortune #406 · Functional structure · 6K employees · Johnston, Rhode Island, USA
6
CEO span
↓ tighter than peers (avg 10)
3.3
Avg span
moderate
3
Max depth
3 levels
6.5 yr
Avg tenure
50%
Internal hires
near industry avg
Interactive org chart
FM organizational chart
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FM operates as a mutual insurer with a notably flat, functional executive structure. The CEO directly oversees underwriting, operations, finance, technology, HR, and legal, with no regional or divisional CEOs. This page maps the leadership team, reporting lines, and structural implications.
What to model
Use the chart to test org decisions, not just view reporting lines
Start with the public baseline, then use the scenario views and source-backed changes to ask what happens when leadership, span, or team ownership shifts.
Scenario views in the chart
- Add Chief AI Officer Create a Chief AI Officer role to centralize analytics, modeling, and automation strategy across underwriting and operations.
- Move Engineering under COO Shift engineering and risk services to report to the COO to further integrate prevention with operations.
Atlas work this supports
- Connect Workday or UKG Get these analytics for YOUR org — tenure, span of control, headcount, automatically from your HRIS.
- Connect Salesforce Map your target accounts like this. Import contacts, visualize decision chains, plan multi-threading.
- Plan a Reorg Use this as a starting point. Model scenarios, compare structures, present options to your board.
The people
Who's running this
7 executives identified as Named Executive Officers in the most recent SEC proxy. Bar length scales with tenure.
Michael P. McGavick
Executive Vice President and Chief Operating Officer
Operations
4 yr
2 reports
internal
Margaret McGowan
Executive Vice President and Chief Underwriting Officer
Underwriting
6 yr
2 reports
internal
David L. Johnson
Executive Vice President and Chief Information Officer
Technology
8 yr
0 reports
John J. Sullivan
Executive Vice President and Chief Financial Officer
Finance
7 yr
2 reports
Lisa J. Martinez
Executive Vice President and Chief Human Resources Officer
Human Resources
5 yr
0 reports
internal
Susan K. Reynolds
Executive Vice President and General Counsel
Legal
9 yr
0 reports
The businesses
How FM divides the work
4 divisions report into the group CEO. Tile size scales with estimated headcount.
Underwriting
2K employees
Chief Underwriting Officer (Margaret McGowan)
Oversees global property underwriting and risk selection.
Operations & Claims
2K employees
Chief Operating Officer (Michael P. McGavick)
Manages policy administration, claims, and service delivery.
Information Technology
700 employees
Chief Information Officer (David L. Johnson)
Provides enterprise systems, data platforms, and cybersecurity.
Finance
400 employees
Chief Financial Officer (John J. Sullivan)
Handles capital management, accounting, and financial reporting.
The thesis
Why this org is unusual
FM’s most distinctive feature is that its mutual insurance model is run directly under a single enterprise CEO without a separate holding-company executive layer.
All core functions—finance, operations, underwriting, technology, HR, and legal—report directly to the CEO. This creates a functional structure with relatively few management layers.
The chart shows eight direct reports to the CEO, spanning both revenue-critical roles (Underwriting, Operations) and control functions. Underwriting and engineering are tightly linked, reflecting FM’s prevention-focused underwriting model. Technology and data remain centralized under a CIO rather than split into product-aligned units.
- No divisional CEOs
- Centralized underwriting authority
The comparison
How FM stacks up
Compared with other large property and casualty insurers, FM is structurally simpler. Public peers often operate with divisional CEOs by region or line of business, whereas FM retains centralized functional control. The absence of a separate group or regional CEO layer reduces depth but increases the CEO’s span. …
Frequently Asked Questions
Who is the CEO of FM?
FM is led by Malcolm Roberts, who has served as Chairman and CEO since 2016.
What type of organizational structure does FM use?
FM uses a functional organizational structure with centralized enterprise leadership.
How many direct reports does FM's CEO have?
The CEO has six direct reports, covering all major enterprise functions.
How has FM's leadership changed recently?
No major executive leadership changes have been publicly disclosed in the last 18 months.
Does FM have a COO?
Yes. FM has a Chief Operating Officer reporting directly to the CEO.
Sources
- www.fmglobal.com/leadership/
Reference
Cite this page
If you reference this page in research, analysis, or news writing, use one of the formats below. Citation includes the SEC filing source where applicable.
APA 7th
Creately. (2026). FM organizational structure. Creately. Retrieved , from https://creately.com/org-chart/fortune-500/fm/MLA 9th
"FM Organizational Structure." Creately, April 1, 2026, https://creately.com/org-chart/fortune-500/fm/. Accessed .Chicago 17
Creately. "FM Organizational Structure." Last modified April 1, 2026. https://creately.com/org-chart/fortune-500/fm/.Permanent URL: https://creately.com/org-chart/fortune-500/fm/ · last updated 2026-04-01