We design and place specialist insurance programmes for public sector bodies of every size. Our dedicated team focuses solely on the meeting the unique risk management needs of your organisations, from major authorities to small and complex entities.

We work with you to understand the risks your organisation faces, traditional, emerging, operational or strategic, and develop a tailored solution that helps give you confidence, value and long-term resilience.

Our extensive access to the wider insurance market and the strength of our insurer relationships enables us to find the appropriate solutions for your organisation that can deliver best value for your stakeholders.

This, supported by practical specialist services, including insurance audits, programme optimisation, enterprise risk management, valuation services and claim expertise, all delivered by teams who work exclusively with public sector clients.

Public sector organisations face increasing complexity, rising demand and an evolving risk environment. Statutory duties rarely change, but the pressures around delivering them do. Services under financial strain face heightened threat levels; demand and public expectation continue to accelerate.

In this context, managing risk effectively is essential. The days of treating risk management as a procedural "tick box" exercise are gone. Leaders now need dynamic, pragmatic approaches that help them prepare for crises, make defensible decisions and demonstrate accountability.

How Gallagher supports senior leadership teams

Our enterprise risk management team works with leadership groups to recognise and manage complex risks across their organisation. Outcomes include:

  • Confidence in decisions
  • Clear direction on delivery
  • Assurance on plans and mitigations
  • Solutions to identified risks
  • Alignment with regulatory requirements
  • Stakeholder buy-in

Our dedicated public sector contract and insurance team provides specialist advisory services including procurement, contract structuring and risk allocation. The team supports central government, local authorities, healthcare, social care, housing, justice, education and transport bodies.

We advise on contractual risk, due diligence and insurance requirements across a wide spectrum of public sector projects, including:

  • Construction: Support across construction contracts from minor works to major regeneration schemes, hospitals and university developments. We understand the structure and implications of JCT, NEC and related forms
  • Infrastructure projects: Experience advising on road, rail, waste, energy-from-waste and other major infrastructure schemes
  • Outsourced services: Support on contracts for facilities management, IT provision and other outsourced statutory services, including understanding Cabinet Office Model Services Contracts
  • PPP / PFI: Specialist advice across PFI expiry, cost reports, contractor insurance arrangements and complex public sector project structures

We offer independent reviews of insurer, third-part administrators (TPA) and in-house claims functions. Our audits examine process efficiency, outcomes and reserving quality to benchmark performance against best practice. They also identify where files can be closed sooner and handled more consistently.

We also deliver bespoke training programmes across key insurance themes, including:

  • Fundamentals of insurance
  • Contract basics
  • Business interruption
  • Claims defensibility
  • Contract due diligence
  • Contract risk management
  • Cyber liability
  • Directors' and Officers' insurance
  • Employers' liability
  • Enterprise Risk Management
  • Public liability
  • Products liability
  • Professional indemnity
  • Property insurance
  • Motor insurance
  • Underinsurance
  • Contractor Failure
  • Owner (OCIP) and Contractor Controlled
  • Insurance Programmes (CCIP)
  • Indemnity Limits

Operational risk affects every part of the public service delivery, from internal processes and systems to human error and external events.

We help organisations understand where these vulnerabilities sit and strengthen them through clearer internal controls, better employee training, practical contingency planning and implementation of advanced technologies. Our approach is simple: reduce disruption, protect services and help provide leaders confidence in their operational resilience.

We help public sector organisations build resilient workforces through forward-looking people strategies. We align your people strategy with your overall business goal, and our team of includes consultants, actuaries, employee benefits advisers, communications experts, and technology specialists. We can help:

  • Optimise your health and benefits investment
  • Design and deliver pension scheme management solutions and administration
  • Attract and retain top talent to support organisational performance

Why choose Gallagher

  • Over 20 years of experience supporting public sector organisations in managing and mitigating risk
  • Deep understanding of sector-specific risks and budget constraints for insurance and risk financing
  • Strong relationships with specialist insurers and underwriters for tailored coverage
  • Customised policy wordings designed to match your organisation's unique risk exposure
  • Dedicated claims management team to reduce stress and financial impact during claims
Disclaimer

Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 55, Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. ajg.com/uk

Gallagher Benefit Services is a trading name in the UK for Gallagher Risk & Reward Limited (Company Number: 3265272), Gallagher Communication Ltd (Company Number: 3688114), Gallagher Actuarial Consultants Limited (Company Number: 1615055), Gallagher (Administration & Investment) Limited (Company Number: 1034719), and Gallagher Consultants (Healthcare) Limited (Company Number: 172919), which all have their registered offices at The Walbrook Building, 25 Walbrook, London EC4N 8AW. All the companies listed are private limited liability companies registered in England and Wales.  Gallagher Risk & Reward Limited, Gallagher (Administration & Investment) Limited and Gallagher Consultants (Healthcare) Limited are authorised and regulated by the Financial Conduct Authority.