The global automotive industry is facing new risks and finding new opportunities as a result of technological change, shifts in consumer demand, and growing environmental concerns.

Our Solutions:

Casualty

Sharing Economy and Mobility

Climate Change and Sustainability

Business Interruption & Supply Chain

Cyber

Environmental Risk

Given the complex and evolving risk landscape facing the aviation and space industry, our specialist team provides innovative insurance and risk management solutions customized to meet your needs.

Our expertise:

Your company’s product is your most valuable asset. Marsh’s specialist cargo and logistics team can help you identify its movement and storage risks, and determine and secure the appropriate levels of insurance protection and risk mitigation.

Our Expertise:

Chemical companies, including commodity, specialty, and personal care companies, require innovative risk management and insurance solutions. Marsh’s experience and expertise can help your business overcome challenges and seize opportunities from risk.

Our dedicated Chemical Industry Practice specialists understand the unique risks, threats, and opportunities that matter to you. We combine global experience with local expertise to help you identify, assess, and prioritize the risks facing your chemical business and offer tailored insurance and risk management solutions to help your business remain resilient and prosperous.

In the US, the chemical industry is undergoing unprecedented change. In addition to operating under increasing federal and global regulatory pressures, geopolitical uncertainty, and supply chain disruptions, the COVID-19 pandemic and recent severe weather events further highlighted the industry's vulnerability to business interruption. From plant, border, and port closures to employee safety measures and navigating transportation/logistics disruptions, the need for more robust enterprise risk management has become more critical for chemical companies.

Our US Chemical Industry Practice team, with over 100 dedicated colleagues, understands US chemical companies' unique challenges. Our risk specialists have the knowledge and networks needed to help you effectively anticipate, mitigate, and transfer the various risks you face, so you can embrace new opportunities while minimizing the impacts to your bottom line.

How Marsh can help

Today, companies in every sector rapidly adapt traditional business models to improve their sustainability and reduce their impact on the climate. These developments come alongside the escalating frequency and severity of extreme weather-related events that test organizations’ resilience.

The ability to anticipate, measure, and manage risks will be a critical advantage as the transition unfolds. At Marsh, we help businesses ensure they are resilient throughout the transition: analyzing the evolving risk environment, preparing for what may happen, and insuring against new types of risk.

We can provide your organization with an environmental, social, and governance (ESG) risk management lens, helping deliver a competitive edge and commercial advantage. Together, we’ll build a proactive plan to support financial stability in your own company while helping create a sustainable world for generations to come.

The global communications services industry is rapidly growing and evolving, with the implementation of 5G networks, automation, and artificial intelligence across businesses. At the same time, communications services companies face intensifying competitive and regulatory pressures as they vie for the attention of consumers. Cybersecurity is another major concern, as new technology implementation and expansion open companies up to further vulnerabilities.

With this extensive amount of change comes a great deal of increased risk. You should ensure that your company is capable of adapting quickly and positioned for continued growth and business viability.

Our global Communications Services Practice can help your company identify, quantify, and manage your risk more effectively. Our dedicated team of global risk advisors and insurance specialists has the extensive industry experience and can help guide you through even the most complex risk management scenarios.

Construction is an essential industry for the global economy and activity in the sector is constant. There will always be a need for the renewal of existing and the creation of new infrastructure. But as the build cycle is often driven by socio-economic factors, it can be quite volatile. Construction companies need to have an acute awareness of current and emerging risk issues and be able to respond quickly to changing circumstances.

Digitalization, environmental, social, and governance (ESG) factors including climate risks, rising construction costs, and supply chain chokepoints are some of the current challenges shaping construction companies’ risk profiles. Understanding their impact allows for the design of a considered risk management framework that balances an organization’s retention, management, and transfer needs.

Marsh's globally integrated team of more 1,200 construction industry specialists helps clients deliver construction projects in all regions of the world. For more than 30 years, we have supported businesses by accurately assessing their risks, minimizing uncertainty, and embracing safety as a business enabler.

We will work alongside you to craft construction risk and insurance strategies unique to the pressures you face. We can help you design and implement programs that align to your strategic objectives, optimize your capital, and protect your business now and into the future.

The US construction industry occupies a strong and important position in the nation's overall economy. While the industry did not escape the effects of the COVID-19 pandemic, indications show a strong upward trajectory. Notably, new construction spending has passed the $1 trillion threshold each year since 2014.

The sector is regularly subject to significant operational, supply chain, and workforce risks, such as unexpected fluctuations in material costs, the availability of skilled labor, the impact of emerging technologies, and the possibility of accidents and delays during the building process.

For contractors, managing risk effectively can mean higher profits, lower operating costs, and capital that works harder and smarter. Marsh helps you assess risks and opportunities and uncover ways to use working capital more efficiently. We measure your firm’s appetite for risk, recommend solutions that meet your risk financing and mitigation needs, and take your program to market knowing the best insurers have been identified for your program structure and pricing.

Our brokers and consultants combine deep construction industry expertise with our industry-leading analytics and predictive modeling engines to help you determine how to strategically embrace or allocate risk. We can help you make optimal risk financing decisions and implement cost-effective solutions.

Our expertise

General Contractors

Project Service Providers

Construction Firms and Construction Managers

Educational institutions globally face a wide range of challenges and risks. The recent COVID-19 pandemic has led to further uncertainty about the future, causing leaders at many academic institutions to rethink existing business and education models and their associated risks. Beyond traditional property and casualty risks, enrollment, distance learning, cyber, and campus safety risks are significant concerns for many institutions.

Risk management is key to weathering this volatility, and in a rapidly changing world, it's valuable to have a strong risk advisory team. Marsh’s Education Practice understands the education environment and its unique exposures. If not properly addressed, these risks can damage your reputation, profitability, and even viability in the face of increasing public and government demands for board and trustee accountability.

Our risk assessment capabilities — backed by our dynamic risk mapping technology — and our consultative approach to risk management help you benchmark, quantify, and manage your financial and operational exposures.

Within the US, our dedicated education professionals provide advice to more than 1,200 education clients. For over 50 years, we have been proud to serve all areas of the education community, including:

Research universities

Primary and secondary schools

Consortia programs

We help these educational institutions understand how emerging risks, increasing customer expectations, and shifting regulations are changing their risk profiles. And, we can work together with you to develop plans and programs for your own unique risk portfolio and help you manage incidents, should they occur.

Your executive boards and governors can rest assured that your critical risks have been identified and addressed, and that your total cost of risk has been optimized.

Our expertise

Higher Education Consortia

Research Universities

Energy and power companies face significant challenges and wide-ranging risks as the industry continues to transform at a rapid pace. Across the world, energy demand is growing. At the same time, governments, organizations, and communities are committing to reduce carbon emissions and accelerate the transition to clean energy sources.

Infrastructure damage, weather and natural catastrophes, human error, or cyber threats can all cause power blackouts or severe disruption to energy production. Furthermore, policy or regulatory changes, as well as social pressures, can cause uncertainty for operators and investors.

Marsh’s global team of more than 700 specialists can reduce your total cost of risk and help create operational and financial stability for your business. We can advise you on risk exposures and insurance solutions to ensure you successfully achieve your objectives and remain resilient.

Our expertise and solutions:

Power and Utility

Renewable Energy

Oil and Gas

The COVID-19 pandemic changed the way people consume entertainment and events – in-person concerts, movies, theater, and festivals shut down, while streaming services boomed. Even as production resumes and in-person entertainment returns, consumers may continue to blend at-home and live experiences. Media and entertainment companies are identifying new ways to engage consumers regardless of their location and generate record revenues once again.

The increasing pressure to deliver consumable content regularly on a global and localized basis means that the risks involved are potentially massive. Whether it's a series of on-set accidents, artist no-shows, or sudden catastrophic disasters of the natural or human-caused variety, unforeseen adverse events such as the COVID-19 pandemic can cripple organizations' bottom lines if they aren't accounted for in comprehensive contingency plans.

Marsh's entertainment industry specialists have worked with the owners, organizers, and stakeholders for some of the world's major event promoters, production companies, and media organizations. Our experience working with these clients to develop entertainment insurance and risk mitigation plans can help your organization pursue the necessary financial protection and resilience against countless unexpected events.

The US entertainment industry comprises a large share of the sector's global presence: It is home base for the production of many of the world's most popular films and television shows, as well as a major hub for the music and digital entertainment fields.

As in most of the world, the US entertainment industry took a significant financial step back due to the COVID-19 pandemic. It has been estimated that the US box office alone lost up to $5 billion, while live theatre is slowly ramping back up. Independent filmmakers were hit particularly hard as financing has become harder to obtain due to potential uninsurable COVID-19-related delays.

With vaccination rollouts in place throughout the country, it's reasonable to predict a return to normalcy for the entertainment business. Even a modest resumption of profitability in the near term could put the US entertainment industry back on track to follow the upward trajectory it's been on for much of the past decade.

Marsh's US Entertainment Practice can help you identify risk management strategies and insurance solutions designed to protect your productions and keep your costs under control financially.

Our expertise:

Film and Television

Financial institutions face a rapidly changing and increasingly competitive environment amid wider global economic uncertainty. As technology continues to replace traditional delivery of financial services and products, the threats of data breaches and cyberattacks are creating challenges for financial institutions. Ongoing regulatory changes and rising compliance costs have added to the complexity.

With over 1,100 specialists globally, our in-depth understanding of the financial institutions industry allows us to support, understand, and measure your evolving business landscape, then minimize your exposures with solutions for traditional and emerging risks.

Our Financial Institutions Practice offers a wide range of innovative risk management and transfer solutions, from cyber and privacy liability through to more traditional risks such as directors and officers liability, professional indemnity, crime, property, casualty, and employers liability.

Our holistic approach is driven by extensive industry experience and unique insight, helping you to identify potential losses and determine how best to reduce your risks.

We can help US financial institutions businesses — including banking and capital markets, insurance companies, investment management, and fintech — mitigate their risks. We understand your industry's traditional, emerging, and regulatory and compliance risk nuances and offer a broad range of risk management and insurance solutions to address them.

Drawing on our industry-leading analytics and experience, our specialists provide you with clear insight into your risk profile, helping you reduce liability and improve resiliency and operational performance.

Our expertise and solutions:

Asset Management

Retail Banking

Insurance Companies

Fintech

Special Purpose Acquisition Companies

As consumers become more health, social, and environmentally conscious, food and beverage companies around the world are evolving their business models to meet these needs.

Companies are increasing their adoption of technology and expanding supply chain structures to maintain market share, while facing challenges from severe weather events, increasing regulations, and cyberattacks. The COVID-19 pandemic accentuated and exacerbated many of these risks as some supply chains failed or were severely curtailed.

While these evolving trends carry significant risks, they also create new opportunities. Choosing cost-effective risk financing alternatives and implementing risk management practices that exceed industry standards is critical for many food and beverage businesses, especially while capital is tight as they emerge from the lowest points of the pandemic and seek to capitalize on new commercial possibilities.

Marsh helps food and beverage companies – from manufacturers and processors to distributors, wholesalers, and restaurants – anticipate the risks they face, understand their impacts, and implement comprehensive plans to mitigate them.

Whether fine dining, grabbing a quick bite, or selecting quality ingredients to cook at home, US consumers have broad and varied tastes. Beyond quality and flavor, food and beverage companies must also keep pace with evolving health and environmental demands such as allergy-conscious menu options and socially-responsible manufacturing and distribution. Cultural sensitivity and inclusivity are also crucial to companies’ brand strategies and policies.

Over the past year, civil unrest, severe weather events, and the COVID-19 pandemic further tested their supply chains and highlighted the need to embrace resilience in their enterprise risk management strategies.

Marsh's food and beverage specialists help companies identify, prioritize, and manage the various risks they encounter. From product contamination to employment practices liability, slips and falls to cybersecurity threats, we can help you implement strategies and solutions to protect your physical and people assets, and your customers, with a focus on sustainability and resilience.

Our expertise:

Food Manufacturers and Processors

Wholesalers and Distributors

Restaurants

Healthcare organizations are challenged by risk on many fronts. Our knowledgeable and dedicated team of insurance and risk professionals can help you manage today’s volatility with increased predictability.

Our expertise and solutions:

Acute Care

Managed Care

Physician Groups

Infrastructure development is a powerful force in today’s global economy with hundreds of billions of dollars being spent every year repairing, replacing, and building new capabilities for transportation, power, utilities, energy, ports and terminals, and social infrastructure. Governments look to the private sector to help finance projects, while additional industry participants – developers, contractors, banks, accounting and law firms, consultants, and others – play important roles in the infrastructure lifecycle.

Infrastructure project stakeholders may have different drivers. And their challenges and risk profiles change throughout a project’s lifecycle – from bidding through pre-construction, construction, operational, and ongoing management phases.

With over 25 years of specialist experience, our team is ideally positioned to support your risk and insurance decisions. Our specialists understand the divergent risk tolerances of the public sector, equity investors, lenders, and the construction sector.

During financing, we provide strategies and solutions that reduce the volatility of infrastructure initiatives and make projects bankable. Through planning, design, construction, and operations, we provide insights and effective risk mitigation and asset management strategies that address changing risks through projects’ phases.

Our global team can help preserve the final asset value, reduce revenue stream volatility, and help manage inherent risks so you can redeploy your capital effectively.

Our expertise includes

Public Entities

For public entities, the focus is on providing clear economic justification and an investment rationale for each project, while demonstrating public responsibility and accountability to protect taxpayers' short- and long-term interests. In addition to value for money, value at risk is a key factor, as public entities are increasingly pressured to avoid cost and delay overruns.

Marsh can help governments and other public sector agencies in the project risk management process. Our differentiator: asset class and project-specific risk allocation and quantification.

Investors

The ability to identify, quantify, allocate, and manage insurable and uninsurable risk influences an equity investor’s potential to formulate a winning bid. It can also provide the protections and return on investment demanded by your management team, investors, lenders, governing bodies, insurers, and the owner.

For financial and strategic investors, including dedicated infrastructure and private equity funds, direct investing pension and sovereign funds, as well as public/private partnership bid vehicles, Marsh provides the confidence to help successfully meet investment objectives. We help you gain a competitive edge while protecting your investors’ interests. In addition, we help you satisfy the contractual requirements of capital providers and governmental counterparties by understanding inherent risks over the lifecycle of greenfield projects and operational infrastructure assets.

Lenders

Before agreeing to finance an infrastructure development project or operational asset, debt providers need to be assured that all project risks associated with the venture have been identified, analyzed, and effectively controlled or transferred.

Working with project parties — legal, financial, and technical advisers, sponsors’ insurance brokers, and others — Marsh’s lender insurance advisory team applies technical knowledge and experience to help you make projects bankable, while fulfilling your duty-of-care to lenders.

Contractors

We deliver practical, innovative, capital-efficient solutions to help you generate yield and margin growth. We define, design, and deliver these solutions by collaborating with you on your strategies for deploying capital on project and enterprise risk.

Professional Service Providers

Marsh is recognized as one of the foremost insurance brokers and advisers for specialist project-specific professional liability coverage for all types of infrastructure projects.

We work with construction professionals (whether these be consulting firms or design/build contractors) and project owners to develop bespoke professional liability insurance solutions, which could enhance the financial security for the owner's investment and provide adequate protection to the construction professionals against any potential liability arising from professional errors and omissions.

Our solutions:

Risk Analytics

Casualty Insurance

Cyber Risk

Portfolio Insurance Purchasing Platform

Risk and Insurance Due Diligence Services

Transactional Risk

Life sciences companies face specific challenges throughout the discovery, development, and commercialization processes, including exposure to a high degree of risk. Increasingly stringent global regulations mean compliance must remain at the forefront of daily activities, and the penalty for violations goes beyond finances. Because life sciences companies' work largely involves human beings, trust and reputation management are critical aspects of their risk management plan.

Risk for life sciences companies comes from a number of angles. Whether it’s litigation regarding regulatory actions or intellectual property disputes, product liability claims, cyber theft, or supply chain disruptions, life sciences companies require a strong strategy for minimizing risk as well as a solid plan for addressing situations that might arise.

Marsh’s experienced life sciences risk management team can help develop solutions relevant to your business and to your risks, whether you are in the pharmaceutical, biotechnology, medical device and supply, or contract research sector.

Life sciences companies in the US continue to respond to an evolving healthcare and treatment landscape, providing innovative solutions to address today's challenges. With this progress comes new financial and operational risks that must be managed to prevent business interruptions and sustain growth.

As your trusted advisor, Marsh can help your company reduce its risk exposures through tailored solutions, including insurance brokerage, advisory services, and risk management strategies. Our goals are the same as yours: protecting your assets and reputation, while maintaining profitability and business continuity.

Marsh’s dedicated specialists draw upon local, national, and global insights to provide specific advice and guidance for our more than 350 life sciences clients in the US. We also have a Clinical Trials Center of Excellence that can support your operations, providing timely access to insurance coverage options and addressing evolving risk management concerns.

Our expertise and solutions

Biotechnology

Medical Technologies

Pharmaceutical

Service Providers

The manufacturing landscape has become increasingly globalized as a result of digitization and the adoption of a more customer-centric mindset.

Although this rapid digital transformation has helped manufacturers capture new cost efficiencies and pass value throughout the supply chain, it has also heightened risks related to geopolitical tensions, sustainability and climate resilience, cybersecurity weaknesses, environmental, social, and governance (ESG) concerns, and supply chain chokepoints.

For manufacturing companies, creating a comprehensive risk management program can help with effectively leveraging technology for productivity, while also safeguarding people and property from adverse events, such as bodily injury, damages, or other business interruptions.

Our team of risk management specialists, with their deep industry knowledge and market leading data and analytics capabilities, can help you reduce your total cost of risk and minimize volatility across your operations.

The US manufacturing industry is facing continuous digital disruption as companies adapt to evolving customer expectations, a changing workforce, and increasingly complex global supply chains.

As the industry moves towards electric and autonomous vehicles, and leverages the power of IoT technology, leading manufacturers will anticipate the need for their processes to be adaptable and keep pace with customers’ needs. Simultaneously, they will build resilience to withstand unexpected events, from global pandemics to large-scale cyber events.

Our manufacturing industry risk advisors can provide the guidance you need to navigate your company's many risks. By combining our team’s deep industry knowledge with our best-in-class data and analytics capabilities, we'll help generate the business insights you need to identify, analyze, and prioritize your various risks to reduce your total cost of risk and protect your business.

Our expertise and solutions

Property Risk Management

Casualty

Business Interruption & Supply Chain

Climate Change and Sustainability

Cyber

Environmental Risk

The global mining industry faces many challenges: commodity price fluctuation, remote operations and extended supply chains, COVID-19 impacts, cost management, access to financing, and increasing expectations around social, economic, and environmental engagement with host communities and regulators. Meanwhile, investors demand operational rigor and capital discipline to ensure appropriate returns from capital-intensive assets and projects.

Marsh’s mining and minerals specialists help companies large and small avoid, manage, and transfer risk across the entire mining lifecycle, from junior exploration to mine closure.

With an in-depth understanding of the industry and broad advisory capabilities, we support miners, contractors, traders, and mining financiers with anticipating and proactively addressing the changing risk profile of your projects and the environments in which you operate.

Our products

Data and Analytics for Mining Companies

Mergers, Acquisitions and Divestments

Risk Consulting

Captive Management

For public entities, including those in the municipal, education, healthcare, and non-profit industries, risk management is a key element of governance. However, in the face of ongoing budgetary restraints, public organizations often need innovative strategies that can help lower the total cost of risk while still supporting frontline service improvements. As the pandemic recovery continues, many local governments are experiencing budget shortfalls due to dwindling tax revenue, record unemployment, and rising healthcare costs. The need to manage risks – while keeping down costs – has never been more critical.

With more than four decades of public sector experience, Marsh can help you assess your public sector’s current risk financing strategy and generate new savings through data-driven decisions. Using our expertise and industry-leading analytics platform, we’ll work with you to build your organization’s unique profile and determine an approach that drives value and mitigates risk.

Public sector entities must balance the pursuit of new opportunities while also addressing critical constituent needs, such as aging infrastructure, disaster provision, law enforcement liability, and cyber risk preparedness.

At Marsh, we've helped over 400 US public entities address increasingly complex risk challenges through value-driven strategies. Our experienced team can help you better respond to emerging issues and take advantage of the opportunities they create — all the while managing your total cost of risk.

Our expertise and solutions

Risk Analytics

Casualty Insurance

Cyber Risk

The retail industry was already facing widespread change prior to the COVID-19 pandemic, with shifts underway towards online shopping and fast delivery. The pace of change accelerated during the pandemic, with government restrictions on in-person retail experiences and a customer preference for safe, contactless delivery and return options.

Although digitized shopping is by no means a new phenomenon, the surge in demand during the pandemic has created unforeseen challenges for retailers and wholesalers with retail operations. Business operations are being stretched to their breaking point, as retailers and wholesalers try to adapt to and manage an increasingly complex set of risks, from cybersecurity to supply chain disruptions.

Marsh’s experienced Retail & Wholesale Practice specialists can help your company anticipate emerging risk management needs and implement strategies to ensure stability and profitability in an era of uncertainty.

The US retail industry is evolving rapidly, with increasing customer demand for the “four Cs” — convenience, choice, cost, and communality. Retailers are doing their best to adapt, although this effort has met challenges in the form of the COVID-19 pandemic, severe weather events, and a growing social justice movement that is requiring businesses to examine how their practices may be contributing to inequalities. Now, more than ever, your company needs to focus on resilience in order to minimize risk and protect its customers, employees, and bottom line.

Marsh’s Retail & Wholesale Practice is composed of more than 500 US-based colleagues. We provide a full suite of services and solutions uniquely tailored to your business’s risk management needs — today and in the months and years ahead.

Our expertise

Supermarkets, Convenience Stores, and Drug Stores

Other Retailers

Risk management is a critical tool in the technology industry, because the stakes are so high. During the COVID-19 pandemic, it became clear how much our world runs on technology. When many people could not leave their homes, technology allowed the globe to keep spinning in some capacity, thanks to work-from-home and digital commerce capabilities as well as platforms for social connection.

Success in the technology industry hinges on an ability to seize opportunities afforded by innovation in a rapidly changing marketplace, while managing associated risks. Data breaches, equipment and software failures, and other cyber risks remain ever-present, despite concerted efforts to reduce the impact of these and other business disruptions.

Marsh’s global Technology Practice can help your company assess its risks, prioritize what’s most critical to you, and work together to help manage and mitigate your exposures.

The US technology industry is represented by a diverse array of businesses, including those involved in e-commerce, esports and gaming, as well as fintech, hosting and cloud services, design and manufacturing of electronics components, and more. The US economy and consumers rely heavily on the products and services of tech companies, and it is therefore critical to protect the profitability and viability of these businesses through risk management.

Our dedicated US technology industry specialists draw on regional and global insights to provide risk and insurance advice and guidance specific to your needs. We service more than 400 clients, which offers a great deal of perspective into the potential and actual impact on your business of emerging trends, evolving business models, and shifting regulations in the US.

Our team has the experience and industry perspective to help manage your company’s most pressing risk resilience needs.

Our expertise and solutions

Esports and Gaming

Sharing Economy and Mobility

Fintech

Digital Infrastructure

Accelerating globalization and digitization have reinvented the transportation and logistics industry.

Although technological innovations have created new opportunities for growth, they have also disrupted the competitive landscape. Companies must now adapt to the increased potential for cyberattacks, litigation, changing regulations, emergence of new products and services, and heightened competition from start-ups and other recent entrants.

Labor, fuel, and other costs are also increasing at the same time that insurance prices are increasingly volatile. This puts added pressure on transportation companies to control costs, while also managing their dynamic risks.

Our global Marsh team of over 500 transportation specialists offers the capital and risk expertise that can help your business better understand, prioritize, and manage these risks. Through our consultative approach, we leverage data and analytics to help you effectively manage your total cost of risk, keep up with industry standards, and maintain a competitive edge.

The COVID-19 pandemic drove economic uncertainty, high demand, and countless business interruptions for the US transportation and logistics industry. Leading transportation and logistics companies are now looking toward new talent and technologies in an effort to maintain stability.

As leaders continue to invest in opportunities to capture efficiencies across their operations, they can expect to contend with rising insurance costs attributed to increasing nuclear verdicts, as well as historic and emerging risks within the sector, including ransomware attacks, widespread shortage of drivers, fluctuating consumer demand, and aging infrastructure.

Your company can benefit from advice and solutions to strategically navigate the challenging insurance marketplace, manage the ever-changing regulatory environment, and implement alternative risk finance solutions.

Marsh’s US Transportation Practice helps you anticipate your risk exposures and develop proactive plans that enable you to minimize your total cost of risk. Our transportation and logistics industry dedicated team can help you manage risk exposures that could impact your operations and bottom line, including fleet safety, cyber, casualty, property, litigation, and more.

Our expertise and solutions

Driver Recruitment and Retention

Fleet Captive

Fleet Safety Solutions

Cyber

Casualty

The complex nature of business today does not occur in a vacuum. Companies form part of interdependent networks with many internal and external stakeholders. As the business environment becomes increasingly interconnected and volatile, it’s important for you to have a comprehensive and up-to-date understanding of the risks to your everyday business operations and be prepared to manage them.

Business interruption can occur due to any number of factors, ranging from property damage caused by a major storm, machinery breakdowns, labor disputes, cyberattacks, and other risk events. Business interruption losses can range from reduced sales, to the increased cost of working due to the loss of a critical supplier, to the loss of future revenue streams from a disruptive event.

While business interruption is not a new risk phenomenon, companies still struggle to manage and accurately assess their risk exposures. This is due to operational and financial reasons and the vast amount of data that needs to be collected from across an organization.

Marsh’s business interruption specialists can provide you with data-backed insights into potential causes of business interruption, help you stress test your organization’s resilience, and develop effective risk transfer and management strategies. When the worst happens, our claims specialists can help with properly identifying your business interruption losses and costs, and then advocating for appropriate recovery from insurers.

Our team works with your company’s leadership and stakeholders to address and mitigate business interruption risks, ensuring you are positioned along a more stable road to success.

As they face higher insurance rates, lack of capacity, and more stringent carrier terms and conditions, many leaders are exploring alternative strategies to finance their risk. One of the most popular is through a captive insurance company.

A captive can be a powerful tool for your organization to take complete control of risk, while gaining greater financial flexibility and protection. For example, any surpluses generated potentially can be used to fund vital investments across your operations.

One in four captives worldwide is managed by Marsh. More captive owners choose us than any other captive partner, so you can be confident that you have the best experience, expertise, and resources in your corner.

Our team of specialists can help your organization create a captive program that aligns with your strategic and financial goals. By combining our expertise with industry-leading analytics, we are prepared to assess your needs, make recommendations, and quantify the advantages that captive insurance can offer your organization — today and in the future.

Contact our specialists to manage risk on your own terms and maximize your captive’s performance.

Our expertise

Actuarial Services

Advisory

Captive Financial Benchmarking

Green Island Reinsurance Treaty (Pooling Programmes)

Management Services

Marsh Cell Captive Facilities

Securitization Management Services

Terrorism (TRIPRA) and Captives

Experiencing any type of claim — whether resulting from a natural disaster, cyberattack, product recall, or injury — can quickly overwhelm even the most experienced risk manager or business leader in today’s complex environment. Proactively managing and resolving a claim is essential to recovering from a loss and improving your bottom line.

Marsh Advisory’s Claims Solutions step in to work with your team, enhancing specialization and increasing your capacity in a time of need. We proactively identify and advocate to improve claim outcomes, working closely with your business and insurers.

We collaborate with you to develop strategies that reduce claims exposure and improve the cost of risk transfer. Our technical specialists have deep industry knowledge and can service a range of risks and claims complexities.

Our end-to-end integrated approach across across claim advocacy, preparation, and handling can help accelerate claims resolution.

Working with Marsh Advisory’s Claims Solution team will help you:

Objectively measure your claim performance and leverage insights to identify areas for improvement over time.

Learn where to focus limited resources based on Marsh’s proprietary data and benchmarking.

Tap into our claim specialists who monitor your high exposure claims and implement strategies that can improve claim outcomes.

Manage your overall cost of risk.

Our risk consulting claims management services can help you resume your operations as quickly as possible, minimize the frequency and severity of your claims, and reduce your total cost of risk.

Our expertise

Financial Advisory Services and Claims

Visual Intelligence Services

Post-Loss Damage Assessment and Business Recovery Management: Hurricanes

Claims Advocacy

Cyber risk is not simply a security or technology issue. Rather, it is an enterprise-wide, strategic business issue. There is no single, one-size-fits-all path to cyber resilience. As the scale, frequency, and economic impact of cyber events continue to grow, organizations must regularly reconsider and optimize their cyber risk strategies.

For more than 25 years, Marsh’s Cyber Practice has been a global leader in cyber risk and cybersecurity consulting, helping our clients understand, measure, and manage their cyber risk. Our core capabilities include:

Risk intelligence: Threat intelligence, risk-based economic modeling, and quantification tools to inform data-driven decision-making.

Insurance: Proprietary programs, products, and tools to inform and optimize cyber risk transfer.

Incident management: Preparation, management, and response capabilities to drive effective and efficient outcomes.

Cybersecurity: Product, service, and provider assessments, plus placement support, to reduce cyber indecision risk.

Whether you need help building an insurance program from the ground up or identifying best-for-you cyber vendors, Marsh advisors are your objective, insightful guides to help you navigate key moments on your cyber journey and build lasting resilience.

Our expertise

Cyber Insurance

Risk Intelligence

Cyber Incident Management

Cybersecurity

Global business is rapidly evolving, which means your risks are too. From pandemics, to natural disasters, cyberattacks, workplace safety, reputational risk, and more, properly dealing with accelerating and often interdependent risks and the need for timely information and insights – balanced against your total cost of risk strategies – can be a complex challenge.

At Marsh, we’re here to help you stay ahead of your risks by revolutionizing the way you manage them. Leveraging innovative technology and relevant, trusted data, we provide deeper analysis and actionable insights, saving you valuable time and resources. And, it's all delivered through a seamlessly connected experience that’s easy to use and understand, allowing you to access the power of Marsh anytime and anywhere.

Our advanced digital solutions, such as LINQ, Blue[i], and Bluestream, simplify how you access and manage your risk portfolio, provide new ways to interact with the data you need for confident decision making, and make it easier to offer insurance solutions to your employees, customers, and contractors.

As the future of risk continues to change, know you’re ready to take it on collaboratively with Marsh as we redefine together what’s possible.

Our products

PlaceMAP

Marsh Market Information Help

Marsh Global Connect

In recent years, global private equity firms have emerged as a significant force in the world of high finance. With buy-in from the high-net-worth individuals and funds they enlist in various ventures, they've made successful moves to take control of trillions in assets under management. Some project private equity holdings to reach $5 trillion or higher by 2025.

In a highly competitive business world, private equity firms and public and private companies are looking for every growth opportunity they can possibly pursue. This includes acquiring other companies, merging with actual or potential competitors, or divesting assets that no longer deliver value. These courses of action have major potential for revenue generation — and in some cases are essential for survival.

Mergers, acquisitions, and divestments are among the riskiest and most complex business transactions. Many often fail because market conditions change, deals are never closed, or businesses encounter insurmountable difficulties afterwards. Private equity firms face an additional risk – the institutional shielding of a firm may not always insulate partners from the financial consequences of ill-advised investment decisions.

Our global private equity, mergers, and acquisitions team has more than 25 years’ experience providing insights to evaluate, facilitate, and close cross-border and domestic transactions, while managing buy- and sell-side risks. We can help buyers differentiate their bids and sellers exit with minimal warranty exposure.

Our specialists are driven to solving your insurance and risk management challenges by understanding, quantifying, and mitigating risk throughout the investment life cycle. From pre-acquisition, transaction, and integration solutions, to portfolio servicing and post-acquisition transactions, we can help you enhance deal value, improve valuation outcomes, and achieve portfolio operational excellence.

Our expertise and solutions

Portfolio Purchasing

Risk and Insurance Due Diligence Services

Transactional Risk

Cyber Insurance

Trade Credit

Intellectual Property

Risk is a growing challenge for all businesses. Organizations around the world are being disrupted by geopolitical, pandemic, and regulatory risks. The rapid growth of technology necessitates readiness to adapt to the newest digital and cyber threats. Building resilience requires balancing risk with reward successfully when faced with significant change.

Marsh Advisory provides leading risk expertise and advanced analytics based on unrivaled data, and our dynamic solutions fully adapt to your business goals. Our insights and advice help lower your cost of risk, improve performance, and implement new strategies to expand what is possible for your business, helping you keep ahead of risk.

We can help you protect, nurture, and grow your business, providing leading expertise that is tailored to your goals. Our needs-based solutions help you better understand and navigate risk, as well as improve outcomes and maximize controls.

Our risk consulting solutions team creates risk management strategies to help you build resilience, applying deep industry expertise, advanced analytics, and specialist global knowledge.

Our analytics solutions provide actionable insights for confident decision-making on managing risk, powered by unrivaled data.

Our comprehensive claims management offering, specialist insight, and market-leading innovations add up to better results for you.

Our expertise

Our Advisory team has the specialists and the solutions to help you better manage your risk and take advantage of emerging opportunities.

Risk Analytics

Risk Consulting

Claims Management