FHM Insurance Company

FHM Insurance Company is a long-standing workers’ compensation carrier based in Orlando, Florida, providing reliable coverage and risk management solutions to employers across thirteen states. For nearly a century, FHM has built a reputation for disciplined underwriting, hands-on risk management, and exceptional claims handling, fostering strong partnerships with independent agents. Founded in 1954 as the Florida Hotel-Motel Self Insurer’s Fund, FHM evolved into a mutual insurer in 1996, and more recently, in 2020, formed a strategic partnership with LUBA Casualty Insurance Company to expand its service offerings and provide even greater value to its policyholders and agency partners.

FHM specializes in serving a diverse range of industries, including construction, manufacturing, and retail, offering tailored workers’ compensation solutions designed to meet the unique needs of each business. We pride ourselves on our commitment to providing competitive pricing, genuine dependability, and unparalleled customer service.

Through our FHMconnect platform and dedicated team of experts, we streamline the claims process and offer valuable resources to help employers maintain a safe and productive workplace. We are dedicated to supporting our agents and policyholders with a century of experience and a forward-thinking approach to risk management. Workers’ Compensation insurance, Workplace Safety Consultation, and Superior Claims Handling are at the core of our business.