With business uncertainty continuing to affect insurance availability and cost, Gallagher has released our Insurance market conditions report: Navigating the hard market Q3 2021.

The report delivers insights from our experts into the current market conditions across key business insurance classes, factors affecting the availability of insurance and the strategies to address these challenges.

There is evidence of green shoots with price increases levelling out, however, the challenges remain. Across the board insurers are assessing which areas of the market they want to participate in and overall there's significantly less capacity than there has been previously.

  1. Business Insurance Market Capacity
    • General overview
    • Critical factors affecting the availability of insurance cover
    • Responding to hard market conditions
  2. Specific market conditions for key insurance/risk classes
    • Liability (public and products liability)
    • Property
    • Professional and financial lines
    • Workers' Compensation
  3. The insurance market cycle
    • Core dynamics of the insurance market cycle
  4. Partnership with a broker
    • Navigating the hard market with expertise at your side

download the report

Strategies for meeting hard market conditions

Gaining optimal risk solutions for clients in hard market conditions requires the combined expertise and capability Gallagher provides through:

  • a partnership approach between the organisation, Gallagher brokers and the insurers
  • detailed risk management information
  • global expertise in accessing insurance markets in order to offset local market constraints.

As an experienced broker and risk advisor we work to explore all the options available to your business, discuss a range of pricing and funding options and ensure that you are appropriately protected against all insurable risks.

We work with a large variety of businesses, each exposed to unique risks and all dealing with individual business challenges and circumstances. As one of the leaders

in risk management, we remain fully committed to supporting businesses through these uncertain times.

Looking for risk and insurance advice?

During this time of uncertainty you can turn to our Gallagher experts for advice and guidance. We are here for you and will do everything we can to help you face the future with confidence.


Gallagher provides insurance, risk management and benefits consulting services for clients in response to both known and unknown risk exposures. When providing analysis and recommendations regarding potential insurance coverage, potential claims and/or operational strategy in response to national emergencies (including health crises), we do so from an insurance and/or risk management perspective, and offer broad information about risk mitigation, loss control strategy and potential claim exposures. We have prepared this commentary and other news alerts for general information purposes only and the material is not intended to be, nor should it be interpreted as, legal or client-specific risk management advice. General insurance descriptions contained herein do not include complete insurance policy definitions, terms and/or conditions, and should not be relied on for coverage interpretation. The information may not include current governmental or insurance developments, is provided without knowledge of the individual recipient's industry or specific business or coverage circumstances, and in no way reflects or promises to provide insurance coverage outcomes that only insurance carriers' control.

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