Insurance Coverages and Solutions

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Alternative Risk & Captives

More and more, companies are looking to control cost and manage risk with non-traditional insurance instruments. ARTEX, Gallagher’s wholly-owned subsidiary for alternative risk and captives, is ready to help you control costs and volatility with these innovative solutions.

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Casualty

Gallagher’s team of risk management professionals find gaps in coverage others may miss. By forming strong partnerships with our clients, using gap analysis and looking at your overall business, we provide customized, comprehensive, and cost-efficient risk management solutions.

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Claims Management & Advocacy

When you submit a claim is when you realize the true value of your insurance broker. Gallagher has created a thorough practice that works with carriers to make sure your claims are resolved in your best interest. We staff our department with true claims professionals and experts in the industry so we can deliver the best possible outcome.

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Claims Management and Third Party Administration

Leveraging the Gallagher network for claims management and third-party administration.

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Commercial Surety Bonds Insurance

More and more contracts require guarantees that performance will be delivered. The Gallagher commercial surety bond insurance team has the knowledge and relationships with key sureties to provide assurances for these obligations.

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Credit and Political Risk

Uncertainty stops business. The Gallagher trade credit and political risk insurance team provides certainty and momentum by offering risk mitigation strategies that make sure you get paid for the goods and services you sell or the loans you make and you are able to repatriate profits and capital on investments which your company makes in emerging markets.

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Crisis Resilience Insurance & Consulting

When acts of violence and terrorism occur, a rippling business interruption effect occurs from the neighborhood where the incident occurred to the city and state and, quite possibly, national impact. Threats are constantly evolving and being prepared for crises, from coverages for the unexpected to having preparedness plans in place, will help you get back to operations as quickly as possible.

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Cyber Insurance

From your brand reputation to employee and financial data, cyber attacks are increasing in their frequency and their intensity. Couple that with the need to comply with regulations like the GDPR and it can seem overwhelming. It doesn’t have to be. Gallagher’s cyber liability insurance team is ready to customize the solutions that can keep your organization and all its information flowing smoother and safer.

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Data Analytics Consulting

Our data and analytics consulting team uses complex data to uncover actionable insights that help you reduce risk and close gaps in coverage. We then leverage our data sources and proprietary tools to reveal how your coverage, compares to your peers. This powerful offering harnesses raw data and transforms it into game-changing risk management solutions.

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Enterprise Risk Management

The Gallagher Enterprise Risk Management consulting team helps organizations thrive in our increasingly complex world. We take the time to understand how the uncertainties that can affect your mission and objectives, and help you develop appropriate strategies to optimize risk-taking and risk management. Gallagher’s Enterprise Risk Management Practice helps you identify, analyze and treat the risks that could prevent the achievement of objectives.

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Environmental Insurance

Today, greater risk exposure is coming from environmental liabilities that are likely not insured under standard liability insurance and property programs. Gallagher’s Environment team is uniquely positioned to consult on where your environmental liability may be and how to mitigate the exposures and close coverage gaps.

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Fine Arts

The Gallagher Fine Arts insurance and risk management coverages work with the world’s premier art institutions to galleries protect and preserve some of the world’s rare valuable objects. Our team of risk management experts possess specialized knowledge and passion for the arts.

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Global Risk Management

Whether you are a manufacturer with a global reach or a media giant with productions happening 24/7 or a car brand with operations that span continents and regions, we have the team, expertise and ability to provide customized risk management and global insurance programs that meet your needs now and in the future. The Gallagher Global Risk Management insurance practice brings together the nimbleness of boutique firm with the foundation of a global network. We reduce risk both national and internationally, and have the skill set, network and commitment to meet your company’s risk costs demands with customized solutions and dedicated teams.

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Loss Control

Our industry experts bring a wealth of experience, loss control resources and safety program knowledge to help you mitigate your operation’s risks. We empower your staff with education, design strategies and tools that uncover and close gaps, so your business experiences more sustainability and less loss.

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Management Liability

Gallagher provides high-level experience, analytical capabilities, a consultative approach and expert insurance broking services all working toward the protection and success of your executives and your organization. And should a claim occur, we shine the brightest by maximizing your insurance recoveries based on the policies in place.

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Multinational Services

As your business expands globally, Gallagher is with you. Whether you’re expanding outside the U.S. or investing in the U.S., our insurance and risk management solutions bring you the local expertise needed to ensure your insurance program is compliant and structured to mitigate risk where your company is expanding operations.

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Private Client & Personal Insurance

We develop tailored solutions and provide advice to help protect and maintain their lifestyle for when the unfortunate occurs. Our team of experienced professionals provides the highest level of service and stewardship, and understands significant personal assets and wealth require a higher level of expertise and service. Every day, our clients face challenges across a range of issues. We are committed to recommending what is in the client’s best interests – not ours – and to deliver on our promises.

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Property

The Gallagher Property insurance and risk management team works with industry leading underwriters, employs industry benchmarking data and thorough analysis to build property programs that close gaps and guard you against loss.

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Reinsurance

Dedicated to Being Different—Innovate, Advocate, Inspire. Combining the market access of a global broker with the expertise and hands-on service of a specialist team, Capsicum Re is the dedicated Reinsurance partner for Gallagher and third-party clients, able to support all property, casualty and specialty classes and wholesale services.

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Small Business Insurance

Gallagher Select was created to help small businesses thrive. We create custom solutions geared toward your unique needs, including a service model designed solely for the specific risk management needs of small businesses. Today, we work with over 50,000 small business clients. Our clients are serviced within 18 locations across the United States in our Gallagher Select Business Centers (GSBCs). Our teams of small business experts able to serve clients in any industry or location.

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Supplier Diversity

At Gallagher, we are committed to doing what is best for our clients. Gallagher Connect Partners shares in and supports this mission by cultivating trusted relationships between diverse certified partners and Gallagher to better serve our clients. By promoting Partner specializations and mutually servicing accounts, together, we aim to reduce our clients Total Cost of Risk and to deliver value to clients.

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Workers Compensation

The cost of an injured worker involves far more than an insurance payout, overall productivity suffers, and subsequent premiums will increase. Depending on your industry, claim history and workforce size, workman’s comp insurance may be the single largest insurance cost on your balance sheet. Gallagher is ready. To help you with workers compensation insurance coverage and workplace analysis, to make your overall business safer and reduce risk.