Executive Risk



      Phil Norton, Ph.D.
    Division President
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    Executive Risk 

    Gallagher Management Liability Group believes that our clients’ advisory and insurance placement services should be handled by the same team, and such services should be supported with strong centralized direction. Our specialists are located throughout the United States, with both regional and worldwide industry experts and other experienced advisory and brokering specialists ready to supplement these efforts.

    Uniting the client service and insurance placement activities in this way gives our clients an edge over their competition. Another advantage of working with Gallagher Management Liability Group specialists is our proactive approach to using research. We believe that research and analysis is a critical step in the process of determining the appropriate funding mechanisms for addressing your organization’s financial risks.

    Our research will give you the edge not only in educating your organization internally as to its real exposure to loss and the appropriate actions to take to mitigate potential loss, but also in strengthening negotiations with the insurance market. This is often the key to obtaining the most cost-effective insurance product. Our research-based approach will provide suggestions based on objective methodology as to what and when certain coverages should be purchased, appropriate limits to consider, policy form modifications necessary to maximize coverage, and model pricing – often based on rating models we created for the insurance industry because of our superior depth of experience and knowledge.

    In unstable times for others, Gallagher and its Management Liability Group have remained stable, thereby keeping our focus external, which is on the client. As a result, we have consistently delivered value in terms of stronger insurance programs, better advice and lower pricing.

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    At Gallagher, our executive risk and professional liability division is known as Gallagher Management Liability Group. We put the needs of our clients and the executives first. We specialize in protecting individuals and their companies against an array of executive risks and other professional liabilities.

    Most often, we do this by determining and then meeting the financial products insurance needs of clients and organizations of all sizes and in all industries. Our specialized coverage expertise includes:

    • Directors and Officers Liability
    • Employee Dishonesty (Crime) and Fidelity Bonding
    • Employment Practices Liability
    • Fiduciary Liability
    • Special Crime (including Kidnap & Ransom)

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