Property Insurance

Big or small, any risk exposed is too much

The Gallagher Property insurance and risk management team works with companies of all sizes and types including commercial businesses, municipalities to religious and scholastic organizations. Our process and dedicated team use appraisals as well as policy assessment to find gaps and assign precise coverage so your property assets are fully protected. Our approach enables to us mine for information across any industry and all risks. We go beyond simply property analysis to provide a complete risk management program including, loss control and property engineering.

Our services include:

• Risks analysis and consulting
• Coverage review
• Manuscript forms
• Loss prevention and loss control
• Catastrophic coverage (coastal risks, earthquake zones, terrorism risks) and catastrophe modeling
• Claims management
• Benchmarking
• Analysis of risk retention versus risk transfer
• Builder's risk
• Boiler and machinery
• International
• Crisis risk management
• Mortgage impairment and foreclosed properties

A data enabled practice, with a global reach

As a leading property insurance company, we have a global practice that spans across the US, Bermuda and London. This expertise gives us insight into trends and the ability to manage complex property risks across states and countries. We utilize best practices of appraisal and benchmarking to fully discover gaps and values for comprehensive coverage. Our team whether located in the US or abroad delivers these services:

• Market-wide reconnaissance on current and expected property outlook
• Information about carrier developments
• Intelligence on new products and services available to our clients
• Nationwide standards and best practices as well as service enhancements to our customers

Specialized property programs

Our methods are developed to find and close gaps others have missed. We use specialized programs that help your overall business, beyond property insurance.

Catastrophe modeling

By using modeling, we are able to help you be better prepared for catastrophic loss both financially and with recovery. Our modeling addresses scenarios such as:

• Earthquakes with subsequent fires
• Windstorms and storm surges and demand surges
• Tsunami risk
• Landslide risk
• Blast force and terrorism

Appraisal services

Our partner, Gallagher Bassett Services, provides proven valuation methods that appraise buildings, contents, machinery, equipment, furniture, fixtures and leasehold improvement to establish true insurance replacement values. We offer a cost-estimator report and value-verification form along with orderly and forced liquidation appraisals. Our process includes:

• Establishing the proper level of insurance coverage
• Maintaining up-to-date appraisals
• Assisting clients in the claims process if a loss occurs