# FMG Material Damage — FMG

**Insurer:** FMG (`fmg`)
**Product slug:** `commercial-md`
**Status:** off-panel
**Vertical:** commercial-building
**Extraction confidence:** low

**Wording effective:** 2024-07-01
**Source PDF:** https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/buildings/material-damage
**PDF hash (sha-256, first 16):** `db9a189ae3bcdb99…`

## Exclusions

["theft involving you, your staff or any fraudulent activity"]

## Flood Cover

Optional benefit under Natural hazard (Natural disaster) cover

## Earthquake Cover

Optional benefit — FMG recommends considering this cover for commercial property and indoor plants for accidental loss due to a natural hazard (natural disaster)

## Territorial Scope

New Zealand

## Machinery Breakdown Cover

Cover of up to $15,000 for loss to motors, pumps, electrical and mechanical equipment

## Volcanic Tsunami Landslide Cover

Optional benefit under Natural hazard (Natural disaster) cover

## Machine-readable endpoints

- Structured facts: `/api/commercial-building/product/fmg/commercial-md/facts.json`
- Full markdown wording: `/api/commercial-building/product/fmg/commercial-md/wording.md`
- Version history: `/api/commercial-building/product/fmg/commercial-md/history.json`
- Insurer profile: `/api/commercial-building/insurer/fmg/summary.md`

## Citation

Cite as: FMG FMG Material Damage policy facts (wording effective 2024-07-01), InsureNZ, accessed 2026-09-06.
Canonical URL: https://insurenz.co.nz/api/commercial-building/product/fmg/commercial-md/summary.md
Primary source: https://www.fmg.co.nz/what-we-cover/fmg-policy-wordings/buildings/material-damage
License: CC BY 4.0 — attribute https://insurenz.co.nz