# FMG — NZ Commercial Building Insurance

**Legal entity:** Farmers Mutual Group
**Primary website:** https://www.fmg.co.nz
**RBNZ financial strength rating:** (see RBNZ register)
**Brand family:** `FMG`

## Active retail products

_None on file._

## Legacy / closed-to-new products

- **FMG Material Damage** — `fmg/commercial-md` (status: off-panel)


## Machine-readable endpoints

- Insurer JSON: `/api/insurer/fmg/facts.json`
- Insurer Markdown (this file): `/api/insurer/fmg/summary.md`
- Per-product (replace `{product}` with a slug above):
  - `/api/product/fmg/{product}/facts.json` — structured policy facts
  - `/api/product/fmg/{product}/summary.md` — human + LLM readable summary
  - `/api/product/fmg/{product}/wording.md` — full markdown policy wording
  - `/api/product/fmg/{product}/history.json` — version history

## Primary sources

- FMG website: https://www.fmg.co.nz
- Policy wordings (PDFs): see `source_url` field on each product
- RBNZ Financial Strength Register: https://www.rbnz.govt.nz/regulation-and-supervision/insurers/financial-strength-ratings

## Citation

Cite as: FMG commercial-building-insurance profile, CommercialBuildingInsurance.co.nz, accessed 2026-05-27.
Canonical URL: https://commercialbuildinginsurance.co.nz/api/insurer/fmg/summary.md
License: CC BY 4.0 — attribute https://commercialbuildinginsurance.co.nz