Gallagher contacted a large food manufacturing client to discuss their overall risk management program. During the discussion, we learned that the company was experiencing issues with their current carrier and the management of their claims.
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A 20-year employee of a grain cooperative was killed in a grain bin after ignoring company safety policies when he was engulfed by grain.
A large chain of pizza franchises was frustrated with their broker and their EPL insurer. They felt that due to some of their risk characteristics (most notably being a large California-based fast food business), the program was not addressing their needs.
The General Counsel of a large vacation ownership company approached us with concerns about the quality and breadth of their D&O and E&O programs—most notably, their lack of key E&O features to insure their numerous professional services provided to their members and other outside third parties.
A global logistics company with 30 international locations and a diverse business interviewed multiple insurance brokers. Their decision to interview brokers was driven by their current broker’s lack of international presence and expertise, but they thought they were getting good results on their domestic program. The company narrowed down their choice to two options: Gallagher and one of our largest competitors. They chose Gallagher because we actually addressed specific problems we would fix in their insurance program, rather than only talking about our capabilities. They recognized that “biggest isn’t always the best” in their own business and believed this concept would apply to insurance brokers too.
Gallagher partners with NAW to serve the wholesale distribution industry. We recently worked with several NAW members to achieve significant improvements within their business insurance programs.
An area Agribusiness Pharma company had experienced two uncovered claims in the past 3 years due to their brokers lack of understand of their business and therefore they had inadequate coverage. They agreed that a firm with greater expertise in insurance, as well as a genuine interest and process to better understand their business was warranted.
A local Arborist company was referred to Gallagher after they heard about the work we were doing in the area. The company was relatively happy with their current brokerage firm, but thought there was room for improvement. Their main payroll class code rate seemed a bit high and was driving the majority of their overall premium expense.
A few days before renewal, a rail contractor contacted the Gallagher Rail Team due to lack of options provided by their current broker. Gallagher performed a thorough review of a rail contractor’s risk management program and found several significant coverage issues. We were given the opportunity to represent this contractor in the insurance marketplace. We built a program that fixed all of the coverage problems while saving the company over 15% on their premium.
A rail customer was offered only one option on their workers compensation renewal that was more than double the expiring policy. The contractor was working in more than 10 states, and their current agent was limited on the markets they could use.