Crisis Management

Terrorism, Strikes, Riots, and Civil Commotion (SRCC) and Political Violence

Today, businesses need more than just support — they need a broker who can adapt and deliver proactive solutions. We bring together a combination of experience and technology to provide tailored insights that address the unique risks you face.

By leveraging cutting-edge technology, we go beyond analysing historical data — we model scenarios to help anticipate future risks. This enables us to craft strategies that not only mitigate threats but also build resilience and help safeguard your business to help you face the future with confidence.

Our coverage options for terrorism and SRCC include:

• Terrorism and sabotage
• Riots, strikes, civil commotion, malicious damage
• Active shooter
  • Includes access to a robust response capability, guided by experienced consultants
  • Policy extensions: active shooter planning, coverage for public relations costs, counselling services, medical expenses, and additional security measures
• Nuclear, chemical, biological, and radiological terrorism (NCBR)

Navigating the complexities of political violence risks

We understand the profound impact political risks can have on businesses, from geopolitical tensions to civil unrest. For instance, if you're expanding into a politically unstable region with a history of riots or unrest, your operations and reputation could be at risk. Our political violence risk specialists provide tailored insurance solutions and strategies to safeguard your investments, protect assets, and meet regulatory requirements. Backed by our in-house Crisis Consulting team, we address a variety of political violence risks empowering you to navigate uncertainty with confidence and helping ensure your business thrives, even in volatile environments.

Our political violence coverage offerings include:

• Rebellion, insurrection, coup d'état, mutiny, counterinsurgency
• Civil war and war
• Business interruption (including contingent), loss of attraction, denial of access, threats and/or hoaxes, advanced loss of profits, and any declared extra expenses
• Liability towards third parties or employees
• Mobile assets, goods in transit (can be extended to include confiscation and detention)

Structured Credit and Political Risk

Whether it's mitigating counterparty credit risks or safeguarding investments against political upheaval, with our expertise we help ensure that your business is protected against the unexpected. From banks and financial institutions to corporates and project financiers, we partner with a diverse range of clients to unlock opportunities in even the most challenging environments. With a deep understanding of global markets and a strong appetite for complex risks, we're here to help you face the future with confidence.

Manufacturing and distributing products in today's market comes with a unique set of challenges, from stringent safety regulations and litigation to scrutiny from governments and consumer groups. Add the complexities of global supply chains and rapid technological advancements, and the risk of mistakes becomes inevitable — often leading to costly product recalls that can damage reputations and erode customer trust. For example, a recall in the automotive industry due to faulty components can result in millions in losses and long-term brand impact. Gallagher specialists are here to help navigate these risks with tailored solutions.

This is where Gallagher specialists step in with:

• Specialist knowledge
  Our experts design tailored insurance solutions for product recalls, addressing risks like design faults, contamination, tampering, and human error. We help clients identify their risk profile and provide guidance on managing it through enterprise risk management and insurance strategies.
• Experienced team
  With 50+ years of combined experience, Gallagher's specialists have developed more than 500 contamination programmes, reducing coverage gaps and recall risks. We support clients across industries with prevention, protection, and recovery strategies.
• Independent policy review
  Our global team offers independent reviews of product recall policies, providing insights on wording, structure, coverage, premiums, and stress testing to ensure optimal protection.

Kidnapping, though uncommon, is a growing global concern, often involving ransom demands and criminal or terrorist activity. Leveraging our global expertise in placing complex risks, Gallagher provides tailored kidnap and ransom insurance for businesses, schools, universities, and families, offering customised solutions for high-risk regions such as Afghanistan, Iraq, the Philippines, Western Africa, and the Colombia-Venezuela border.

We ensure you have access to experienced case management professionals who specialise in kidnappings, extortion, and piracy, focusing on the safe release of hostages while delivering critical support, actionable response plans, and guidance throughout. A well-structured kidnap insurance policy provides comprehensive protection for a wide range of risks. Your policy can include the following coverage:

• Ransom and lost ransom insurance
• Extortion cover
• Costs for response consultants
• Fees for negotiators and interpreters
• Travel and accommodation expenses
• Medical and psychiatric care costs
• Interest on authorised loans for ransom payments
• Legal liability coverage
• Death and permanent total disability benefits

Our specialists can also tailor your policy to include business interruption, disappearance, express kidnapping (on-the-spot ransom demands), hostage crises, political evacuations, threats, and assaults depending on your needs.

Country risk profiling

We provide our clients with access to a country risk-profiling tool designed to help you assess destinations before you travel. The tool offers real-time travel alerts, detailed risk heat maps, downloadable emergency information, and links to valuable third-party resources, ensuring you're informed and prepared every step of the way.

Global security risks like terrorism, criminality, war, and cyber threats are evolving at an unprecedented pace, requiring organisations to adopt more sophisticated approaches to risk management and transfer. With diverse backgrounds and skillsets, our specialists help businesses turn threats into opportunities by collecting and analysing intelligence to inform critical decisions, advising on protecting assets and people, and providing tailored support to help you navigate the complex risk landscape.

Our services include:

• Collecting and analysing intelligence to guide sensitive and critical decisions
• Advising on protecting assets and people, and supporting implementation
• Responding to and investigating crises, no matter the complexity or danger
• Collaborating with lawyers and insurers for risk and investigation advisory
• Partnering with brokers and underwriters to assess risks, model exposures, and manage claims