AI in Insurance: How Gallagher Uses Technology to Elevate the Client Experience

Proprietary technology designed to enhance client service and drive strategic value.

Getting your Trinity Audio player ready...

For Private Equity and Capital Markets leaders, insurance technology is most valuable when it translates directly into operational efficiency, sharper risk visibility and stronger investment outcomes. Artificial intelligence (AI) is changing the insurance landscape by helping advisors and clients move beyond static reporting toward a more dynamic, real-time view of exposures, cost drivers and risk decisions across the portfolio.

At Gallagher, this isn't technology for technology's sake. Our digital strategy is designed to create value where it matters most — at the operating level of the portfolio company — by freeing up management teams' time, reducing friction in the insurance process and enabling more strategic conversations around risk, capital efficiency and balance sheet protection.

Technology creates value when it improves execution, elevates risk strategy and supports stronger outcomes across the hold cycle.

Gallagher's approach to AI & technology

At Gallagher, we bring a holistic approach to risk management and people strategy through a connected digital ecosystem built for execution. Our proprietary platforms give sponsors and portfolio companies a clearer view of risk, streamline insurance workflows and create the data foundation needed to make faster, more confident decisions.

Together, a connected suite of core platforms forms the foundation of this strategy:

Gallagher Go serves as a centralized operating hub, giving portfolio company teams easier access to coverage information, service workflows and risk resources so they can spend less time managing insurance administration and more time running the business.
Gallagher Submit streamlines the submission and placement process by coordinating stakeholders, documents and workflows in one environment — helping reduce friction, accelerate execution and support transaction timelines.
Gallagher Blueprint provides a strategic framework to connect risk profile improvement, insurance program design and capital efficiency with the broader investment thesis and value creation plan.
Gallagher Drive transforms raw insurance and risk data into actionable insights through benchmarking, placement analytics, claims analytics and Total Cost of Risk visibility. It helps sponsors and portfolio companies evaluate coverage structures, limits, carrier alignment, pricing and performance against the broader value creation plan.

Together, these platforms create a more integrated, data-driven operating model for insurance and risk — improving transparency, reducing administrative burden and enabling more substantive discussions about how risk is being managed, financed, improved and measured over time.

How Gallagher platforms can help

Gallagher Go

Gallagher Go centralizes the client experience, giving portfolio company teams a single, intuitive platform to access and manage insurance and risk program information.

By making coverage details, service requests, certificates and risk resources easier to access, Gallagher Go helps reduce day-to-day administrative drag. The result is greater transparency, faster responsiveness and more time back for management teams focused on operating performance and value creation.

Gallagher Submit

Gallagher Submit simplifies the submission and placement process by bringing stakeholders, documents and workflows into a single, coordinated environment.

For sponsors and portfolio companies, that means less back-and-forth, cleaner execution and more efficient coordination during placements, renewals and transaction-driven insurance workstreams. In time-sensitive environments, this helps protect deal timelines while improving the quality and consistency of information shared with the market.

Gallagher Blueprint

Gallagher Blueprint is an AI-powered framework that translates risk data into a practical improvement roadmap tied to business strategy.

Through a Risk Profile Score and prioritized action plan, Blueprint helps organizations identify where risk can be reduced, transferred, or better financed. This creates a deeper foundation for strategic alignment—connecting insurance decisions to balance sheet protection, capital allocation, operational priorities and ultimately the strength of the business at exit.

Gallagher Drive

Gallagher Drive is Gallagher's premier data and analytics platform, transforming raw insurance and risk data into powerful insights that help clients make more confident decisions about their risk management programs.

Through benchmarking services, placement analytics, claims analytics, dashboards and expert consulting, Gallagher Drive helps sponsors and portfolio companies assess whether coverage structures, limits, carriers, pricing and Total Cost of Risk are aligned with the company's risk profile, operating priorities and value creation plan.

Delivering value through GMAPS

Gallagher M&A and Private Equity Solutions (GMAPS) brings these capabilities into the transaction, portfolio management and capital markets environment through a practical combination of advisory expertise, proprietary technology, data-driven insights and responsible AI-enabled capabilities where applicable.

As a fully integrated platform, GMAPS supports private equity sponsors, portfolio companies and acquisitive corporates across the investment lifecycle — combining transactional execution with tools that reduce friction, improve visibility and create more time for management teams to focus on operating the business.

Consistent with Gallagher's human-centered approach to AI, technology enhances the work of our advisors; it doesn't replace the judgment, relationships and strategic guidance clients rely on. GMAPS applies that principle across the hold cycle by pairing experienced deal and risk advisors with secure internal tools, workflow automation and data-driven insight to support better execution and stronger portfolio outcomes.

That support begins before close, where Gallagher's benchmarking, placement analytics and exposure identification can help sponsors understand issues that may influence valuation, purchase agreement terms and post-close priorities. Tools like Gallagher Drive create a clearer view of program structure, limits, carrier alignment, claims trends, pricing and Total Cost of Risk, helping sponsors move from insurance as a transactional requirement to insurance as a strategic lever for protecting enterprise value.

Post-close, that same foundation can shift from execution support to value creation. By improving visibility across insurance programs, service workflows, benchmarking, claims activity and risk priorities, GMAPS helps portfolio company teams reduce administrative burden, improve consistency and focus more time on operating performance. Over the course of the hold period, those insights provide a stronger basis for strategic risk discussions around how exposures are being reduced, transferred, financed, or improved in ways that support capital efficiency and protect the balance sheet.

Rather than positioning AI as embedded across every stage, GMAPS combines advisory expertise, proprietary technology, analytics and data-driven insights to support sponsors and portfolio companies throughout the investment lifecycle. Certain capabilities introduce AI-powered support where appropriate, while others, including Gallagher Drive, streamline workflows, improve transparency, benchmark performance and create the operating foundation for more substantive conversations around risk, capital allocation, Total Cost of Risk and exit readiness.

This reflects Gallagher's broader approach to responsible adoption: using AI, analytics and automation to improve the speed, quality and consistency of client service while keeping human judgment, ethical use, privacy and data protection at the center. For Private Equity and Capital Markets clients, the value is practical and measurable: less time spent on insurance administration, more clarity around risk and performance, stronger alignment between insurance strategy and the investment thesis and a cleaner risk narrative that can support buyer confidence and strengthen the business at exit.

Nicole Clinton

GMAPS Leader

Disclaimer

The information contained herein is offered as general industry guidance regarding current market risks, available coverages and provisions of current federal and state laws and regulations. It's intended for informational and discussion purposes only. This publication isn't intended to offer financial, tax, legal or client-specific insurance or risk management advice. No attorney-client or broker-client relationship is or may be created by your receipt or use of this material or the information contained herein. We aren't obligated to provide updates on the information contained herein and we shall have no liability to you arising out of this publication. Insurance brokerage and related services provided by Arthur J. Gallagher Risk Management Services, LLC License Nos. IL 100292093 / CA 0D69293 and its US licensed retail brokerage affiliates.