Gallagher provides high-level experience, analytical capabilities, a consultative approach and expert insurance broking services all working toward the protection and success of your executives and your organization. And should a claim occur, we shine the brightest by maximizing your insurance recoveries based on the policies in place.

Holistic approach for better liability insurance and risk management

Mitigating casualty risk requires a team who knows where to look in the typical locations as well as the unusual ones, where coverage gaps may go undetected. We develop solutions that protect your overall business. We commit to partnering with you to create a customized wall of coverage. We give you better protection by implementing our tools of non-traditional alterative risk programs, customized excess casualty program design and placement as well as a gap analysis and form reviews.

Management liability insurance coverage designed to protect your leadership and your organization

Executives are capable of amazing things. Building teams, creating revenue, developing strong products and profitability. They also face unique risks that require a delicate and in-depth approach and need tools and coverages to adequately protect them and the companies they serve. The Gallagher Management Liability insurance and risk management practice is based on our understanding of the special needs of executives. We focus on all aspects of executive liability, including expert management liability insurance placement services, guidance through mergers and acquisitions and are further prepared for the potential connections to cyber liability and employment practices liability. We are prepared to educate clients on the new reality of event-driven D&O claims. We listen, use high-level tools to assess your industry's environment and produce a custom management liability solution that aligns with your risk exposure and supports your executive team and organization.

Protection solutions for the entire spectrum of management liabilities

For any key management liability exposure or risk, Gallagher has developed an in-depth and broad insurance and risk management practice that encompasses processes, markets and strategies that provide comprehensive protection for executives and their organizations. Our management liability insurance practice is built upon a strong foundation of three key services to deliver truly best in class coverage.

  1. Quantitative analysis. With benchmarking and models, we identify where and how large your exposures are, and give you information to help you select the right insurance coverage structure to mitigate future risks.
  2. Contract and coverage analysis. We analyze all of your policies and coverages to figure out where you may have gaps in your coverage. We use court cases and business partners in the legal arena to fine-tune our carrier requests and ensure improvements are made.
  3. Claims advocacy. Gallagher is a true leader in this process, having a dedicated claims advocacy team that include specialized attorneys that work with carriers and clients throughout the entire claims process to make sure your claims are rightfully paid. In many cases, we are able to get claims paid that other brokers are unable to gain insurance recovery from. This is a key differentiator for Gallagher.

Robust risk analysis for better coverage

Our process is designed to provide a stronghold of coverage from consulting through the delivery of service. We go beyond looking at the surface of your insurance program to deliver truly comprehensive risk management. Our process includes:

  • Uncovering uninsured and underinsured losses, contractual liability and coverage gaps. We conduct interviews and review contract and financial reporting filings. Our pre-renewal meetings include pertinent stakeholders with your organization, including the finance department, human resources, operations and risk management departments. We also work with other product lines and industry experts 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 programs to improve your claims process.
  • Program structure and insurance premiums. We design a program that meets your current needs while also being flexible enough to grow and expand by providing multiple options inclusive of various programs structures, coverage, limits and pricing.

Liability Insurance

  • Customized and thorough risk management analysis
  • Dedicated claims advocacy team with in-house attorneys specializing in liability insurance lines of coverage
  • Quantitative analysis and benchmarking that guides more informed and precise coverage structures
  • Contract and coverage analysis that uncovers gaps and exposures for more comprehensive overall coverage

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