Understand the current insurance market and what it means for business.

In the Business Insurance & Risk Market Update H1 2022 report, our experts provide market insights and offer guidance to help you ensure your business has the right protections in place.

In the current market we are seeing marked variations in both the terms and conditions and the price of cover, as well as the quality of the insurance capacity behind it in many lines of insurance. Some of the factors for businesses to consider are how much risk to retain versus transfer, and setting appropriate limits, deductibles and sub-limits for the different policies they require.

Topics covered include

  • Placement — why making a case for cover to local insurers is important.
  • Claims — the impacts of weather events on supply chain delays and claims inflation.
  • Directors and officers' liability — new capacity brings lower premiums but also risks for the unwary.
  • Disability sector — the factors making insurance for this sector hard to find.
  • Regional construction costs — how climbing costs are driving premium increases.
  • Environmental, social responsibility and governance (ESG) — with an increased focus on ethical business practice insurers are scrutinising accountability.
  • Cyber security — how businesses need to meet the escalation of the risk environment.

Download the report to find out more

How this report can help businesses face the future with confidence

Experts within the Gallagher network offer perspectives on critical trends and changes shaping the insurance and business landscape to help inform business risk strategies and practices.

Working with Gallagher provides access to industry experts who can assist your business in formulating the risk and insurance solutions that achieve optimum protection amidst navigating complex market conditions.

Looking for business risk and insurance advice?

During this time of change 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.

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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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