Property and Casualty Insurance

The Gallagher Property and Casualty team of insurance and risk management professionals find gaps in cover others may miss. By forming strong partnerships with our clients, using gap analysis and looking at your overall business, we provide customized, comprehensive and cost-efficient risk management solutions that close the holes and help guard you against loss.

Big or small, any risk exposed is too much

Mitigating risk requires a team who knows where to look — in the typical locations as well as the unusual ones, where gaps in cover may go undetected.

We use appraisals as well as policy assessment to find gaps, and assign precise cover so you have full protection for your property assets. Our approach enables to us mine for information across any industry and all risks. We give you better protection by implementing our tools of non-traditional alterative risk programmes, customized excess casualty programme design and placement as well as a gap analysis and form reviews.

Our team of specialists understands the risk exposures inherent in our clients' businesses, and the industries in which they operate. We serve the public and private sectors across a wide range of industries, including manufacturing, finance, agriculture, hospitality, telecommunication, commercial, industrial, energy, public utility, livestock, marine, higher education, construction, health and business processing outsourcing.

A data enabled practice, with a global reach

As a leading property insurance company across the globe, our expertise gives us insight into trends and the ability to manage complex property risks across states and countries. We utilise best practices of appraisal and benchmarking to fully discover gaps and values for comprehensive cover. Whether in the Caribbean or abroad, our team delivers these services:

• Market-wide reconnaissance on current and expected property outlook.
• Information about carrier developments.
• Intelligence on new products and services available to our clients.
• Nationwide standards and best practices as well as service enhancements to our customers.

We also use catastrophe modeling to help you better prepare for catastrophic loss both financially and with recovery. And should a loss occur, we'll assist you in the claims process.

Robust casualty risk analysis for better cover

We go beyond looking at the surface of your casualty programme to deliver true comprehensive risk management. Our process includes:

• Uncovering uninsured and underinsured losses, contractual liability and cover gaps. We conduct interviews and review contracts and financial reporting filings. We work with your pertinent stakeholders and with other product lines and industry specialists to ensure language between policies leave no gaps.
• Claims and loss control. Our dedicated claims and loss control advocacy group extensively reviews your legacy loss information. We then develop claim mitigation and loss prevention programmes to improve your claims process.
• Programme structure and insurance premiums. We design a programme that meets your current needs while also being flexible enough to grow and expand by providing multiple options inclusive of various programme structures, cover, limits and pricing.