Explore the Gallagher resource library

At Arthur J. Gallagher & Co., we try to learn everything we can about the industries we serve and the risks they may encounter. It’s a commitment that’s embedded in our corporate culture to expanding our expertise, continuing educational development and gathering topical updates to remain ahead of the curve.

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Market Conditions 2018 - Commercial Crime

The market continues its infatuation with social engineering and/ or impersonation fraud losses and insurers’ coverage of same. Social engineering scams involve crooks who trick insureds into transferring money by impersonating clients, vendors or the insured’s own executives. Almost all fidelity insurers offer social engineering coverage; however, it is important to note that coverage is not standardized and is most often subject to a sublimit.

Tag(s): Management Liability;

Market Conditions 2018 - Employment Practices Liability

Employment Practices Liability is in the spotlight as we enter into 2018 with a cultural shift emboldening victims to speak out, bringing a wave of public sexual harassment allegations. The headline allegations may lead to large loss payouts, and it is likely that there will be an increase in sexual harassment allegations at all companies, along with increased focus from management teams and regulators across the country.

Tag(s): Management Liability;

Market Conditions 2018 - Fiduciary Liability

Fiduciary Liability renewals were stable in 2017 and this coverage line continues to be the least affected in Management Liability. There have been sizable settlements in this line over the past 12 months that are noteworthy; however these are not anticipated to reflect a change in overall market condition.

Tag(s): Management Liability;

Market Conditions 2018 - Kidnap & Ransom Insurance

The marketplace for Kidnap and Ransom (K&R) insurance remained stable and competitive through 2017. Premiums are as low as $400 per million limit for companies with limited foreign exposure (locations or travel). For companies with higher exposures including foreign travel and locations, premium is around $1,000 - $3,000 per million of coverage limit.

Tag(s): Management Liability;