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 2017 - Commercial Crime

Commercial Crime insurance renewal premiums were “stable” (+/- a few percentage points) in the first three quarters of 2016. Internal distractions within two of our top-ten fidelity insurers (the Ace/Chubb merger and AIG’s fidelity restructuring) diminished the level of competition in 2016, and we expect this to continue into 2017.

Market Conditions 2017 - Employment Practices Liability

With a relatively static – albeit heightened – claims environment and a corresponding pipeline of open claims, many insurers are seeking rate increases for Employment Practices Liability (EPL) insurance coverage. However, newer entrants into the market over the past three to five years have led to a stable market.

Market Conditions 2017 - FI Broker-Dealer

Consolidation of independent broker-dealer firms and preparation for the “Fiduciary Rule” are two pressing issues impacting the retail investment industry. Last year, the retail investment industry experienced major change.

Market Conditions 2017 - Financial Institution Bond

Financial Institution Bond insurance renewal premiums fell within a “stable” range (+/- a few percentage points) in 2016. Internal distractions within three of our top-ten financial fidelity insurers (Ace/Chubb merger, AIG’s fidelity restructuring and Zurich’s diversified financial restructuring) diminished the level of competition in 2016, and we expect this lackluster competition to continue into 2017.

Market Conditions 2017 - Private-Nonprofit D&O

As the U.S. economy continues to recover, so too have the businesses of most of our private and nonprofit clients. As a result, D&O markets generally have seen marginal rate changes from -1% to 2%, whereas previous rate increases ranged from 0% to 5% when there was no change in financial condition, exposures or losses.

Market Conditions 2017 - Real Estate

As 2017 begins, the global environment for ‘change’ seems to be everywhere on a geo-political basis, the likes of which we have not witnessed in quite some time. With this uncertainty, hard assets tend to be viewed as a safe haven and certainly the real estate market has benefitted from the current environment.

Market Conditions 2017 – Asset Manager Management & Professional Liability

While the future regulatory landscape under the new administration is still uncertain, the outlook in the insurance marketplace for asset manager management and professional liability insurance remains predictable. 2017 appears to be another year of favorable purchasing for asset manager insurance, on the heels of two plus years of soft market conditions.

Market Conditions 2017 – Kidnap & Ransom Insurance

The kidnap and ransom (K&R) insurance marketplace continued to be competitive throughout 2016 and is anticipated to remain competitive in 2017. For companies with limited foreign travel and locations, premiums are as low as $400 per million