We’re proud of our reputation as a world-leading insurance broker and trusted risk adviser to the aerospace industry, delivering specific solutions for:

• Airlines
• Leasing companies and banks
• General aviation, including fixed and rotor wing operators
• Airport authorities
• Air Navigation Service Providers (ANSPs)
• Ground handlers
• Maintenance, repair and overhaul providers (MROs)
• Manufacturers
• Refuellers and oil companies

The space industry; satellite operators, manufacturers, financiers and launch services agencies.

With the expertise to understand the sector’s key risks and concerns, manage complex challenges, and with the profile to negotiate competitive insurance covers, the WTW Global Aerospace team provides leadership, a wide range of capabilities and essential services to meet your long-term aerospace risk management needs.

Core Aerospace proposition

The power of analytics

Application of risk modelling to quantify retained versus transferable exposure. 

Knowledge and experience

Strategic understanding of your industry based on deep experience within the team, evidenced by the breadth of our client portfolio. 

Global capabilities

A global network of 300+ aviation specialists in over 35 locations across the WTW network. 

A smooth transition

Specifically designed transition schedule to WTW ensuring no adverse impact to your business or inconvenience to your people. 

Supporting you at critical times

Clear, effective guidance in the event of a major loss, minimizing damage to your brand. We have successfully managed some of the most complex aviation claims within the industry. 

Transactional creativity

An innovative approach to pricing structures and coverage enhancements within the aviation insurance market. 

Beyond the transaction

As your risk advisor, we have a connected approach to risk, analyzing operational and contractual exposures and enterprise risk opportunities.

Aerospace and Space Services

• Aerospace Practice: Our Global Aerospace Practice supports the insurance needs of the aviation industry including manufacturers and aircraft maintenance, airports, ANSPs, airside, ground handlers and refuellers.

• Aerospace Risk Management Services: Aerospace Risk Management Services (ARMS) is a unique, market-leading team, created to provide differentiating services for clients within the Aerospace industry.

• Aircraft Leasing Companies: Our specialist aircraft leasing practice within the Aerospace division is proud of its market leading position within this sector. This has been achieved by challenging traditional insurance market placement methods and providing bespoke and unique professional services.

• Airline Insurance: WTW is a world leading risk adviser to the global airline industry, providing innovative aviation insurance solutions to our clients.

• General Aviation: Our team of general aviation insurance brokers provide cover for aircraft, from single turbo-prop airplanes to large fleets of corporate jets, private jets and helicopters.

• Inspace: Our specialist inspace division provides risk consultancy insurance broking and risk management services to the global space and satellite industry.

WTW’s commitment to the construction industry spans over 50 years with a particular focus on insurance and risk management services. Through our dedicated global construction team, we are able to identify the right expertise and provide informed guidance to help you identify and execute optimal risk management and risk transfer strategies. We work with a wide range of clients from owners, developers, contractors, subcontractors to financiers, offering bespoke industry-specific products.

500 construction risk management specialists

Our team of 500 construction specialists has a wealth of worldwide experience with deep market knowledge in the construction industry, which enables us to offer you full support with specialist construction risk products and innovative solutions to manage risks effectively.

Our globally integrated construction specialists have one goal: to address your specific risk issues, both now and in the future. With our depth and breadth of construction experience, we will partner with you to deliver effective risk solutions.

Data-driven solutions

When you work with us, we will partner with you to help make data-driven decisions about your construction project’s specific risk management and risk transfer needs. Using our comprehensive solutions and analytical tools, we can help you determine optimal risk retention, transfer and mitigation strategies for your construction projects.

We view construction risk as an opportunity to deliver projects on time and within budget by bringing your customized risk strategies and risk financing to your specific challenges.

The WTW Financial Institutions Industry Group focuses on five key areas: banking and capital markets, insurance, investment management, fintech and non-banking financial institutions. We help clients across these areas manage complex risks, cultivate talent and explore new work options including automation and artificial intelligence (AI).

Complex and interconnected risks

We will work with you to address the range of risks that financial institutions face starting with macroeconomic risks, the top concern of C-level executives.  

Other critical risks are related to:

• Regulatory changes and complexity. Regulatory pressures have increased the cost of capital, prompted large-scale divestment, reshaped attitudes towards risk and redrawn the boundary between retail and wholesale banking.
• Digitalization and technological advances. Technological advancement is impacting the finance industry as new challengers are emerging and growing customer expectations drives significant IT infrastructure investment. A rapidly expanding IT infrastructure also gives way to increasing cyber risk.
• Business operating model pressures. Regulation and the increasing cost of capital is exerting pressure on business operating structures, driving segmentation and disintermediation in the financial sector.
• Changes in investment, capital sources and returns. Non-bank financial institutions, fintech companies and new investors are bringing fresh capital into the sector while banks meet capital requirements, manage stress tests and spend on compliance upgrades.

Having the right risk mitigation partner is key. We have decades of experience managing complex, interconnected risks for financial institutions.

Insurance advice and solutions

We specialize in providing insurance advice and solutions to protect and strengthen financial institutions around the world:

• Trade credit. With Trade Credit Insurance, companies can generally extend more open credit to customers or enter new sectors or markets. This has the impact of reducing the risk of non-payment, thereby enabling sales growth without a corresponding increase in risk.
• Political risk insurance for financial institutions. Political risk insurance can protect financial institutions when the borrower or their operations are adversely affected by political events.
• Political violence including terrorism. We provide terrorism expertise to any company operating and expanding business in dense cities with large populations and/or in locations or occupancies which are a high attraction to terrorist groups. Terrorism insurance protects companies from physical damage and business interruption in the event of an attack.
• Bank non-payment. This cover protects against the financial default of a borrower or counterparty.
• Project finance. We provide guidance on suitable insurance cover to protect project assets and revenue streams. Our team has an extensive understanding of the issues that may need to be resolved to satisfy lenders, the potential commercial pressures and timescales typically involved, and the communication flows required between all parties.
• Structuring. Our structuring team broadens the range of asset classes covered to include assets from new transactions arranged by the client, existing assets held in a portfolio or legacy assets where exit or resolution is the objective.

Cultivating talent and exploring new work options

In today’s rapidly evolving financial landscape, it’s essential to be able to attract, retain and engage talent with the ability to respond to increasing regulatory pressures, a changing approach to risk management and the emergence of new markets. Moreover, talent with digital skills is in particularly high demand with the advent of robo-advisors in wealth management, online-only banks and peer-to-peer funding.

Using our Total Rewards Optimization methodology we can help you better understand the rewards that your employees value most and least, and model the cost and impact of reward changes on attraction, retention and engagement. You can then use this information to develop unique Total Rewards strategies for your key workforce segments.

Technological breakthroughs in areas ranging from artificial intelligence and robotics to blockchain technology and telematics, are upending not only the way in which financial institutions interact with customers and the products they offer but how work gets done. We can help you “deconstruct” jobs into tasks or projects and tap a range of sources for getting work done – from robotics and AI to contract workers and talent on platforms. In addition, we can keep you up to date on how your competitors are approaching the future of work.

Gaining competitive advantage

In a complex and uncertain financial environment, we can help you identify the approaches to managing risk, cultivating talent and exploring new work options that will set you apart from the competition.

Our Aerospace, Defense and Government Services practice was established to provide insightful consulting along with creative and cost-effective solutions to our clients’ most complex risk and human capital challenges. Our team has in-depth knowledge of risk management, compensation trends, benefits design and management and talent and workforce planning. We leverage our extensive research, benchmarking tools and the industry experience and expertise of our consultants to provide industry-specific solutions for your risk and human capital needs.

Our team includes: former risk manager and a general counsel of a government contractor, former carrier claims personnel and other knowledgeable, independent advocates for our clients.

Who we serve

• Aerospace and defense
• Aviation
• Support services and consulting
• Construction
• Humanitarian relief
• T services
• Linguists
• Logistical specialists
• Manufacturing
• Non-governmental organizations
• Nonprofits – Federally funded research centers, etc.
• Private security companies
• Research and Development
• Stability operations
• Systems integrators
• Telecommunications
• Training and mentorship

Managing your risks

Exposure analysis

With our expertise, we help our clients identify potential risks, based on current and historical losses incurred by organizations in the government contracting industry. Our approach tests policies against actual lawsuits brought against your peers. This enables us to identify potential gaps in coverage and develop solutions customized to your specific exposure.

Risk mitigation

We help our clients mitigate risk by using existing statutory and contractual protections. We assist them in requesting additional indemnification from the U.S. government and when applying for Safety Act certification. These unique services are in addition to the full range of services and expertise provide by our loss control personnel.

Administration

We work with our clients and their contracts personnel beginning with the bidding process to help ensure compliance with U.S. government and contractual requirements. We customize their insurance programs to minimize administrative burden and maximize the potential for premium reimbursement by the U.S. government.

Industry knowledge

Our Government Contracting practice stays fully abreast of changes in the marketplace as well as in the legal and regulatory environment. Our in-depth knowledge enables us to better understand the current and future impact of emerging risks, market events and trends and their impact on applicable insurance coverages.

Advocacy

Our practical experience sets our Government Contracting practice apart in servicing and administering claims, crisis management, repatriation and managing other associated risks. Our clients benefit from this experience by receiving relevant advice and customized risk management solutions tailored to their risks.

Supported by WTW’s worldwide resources, we help achieve favorable terms and conditions by highlighting legislative protections, government contractor case law and contractual indemnifications in our discussions with underwriters.

We will:

• Structure the company’s insurance program to help maximize the premium allowable as pass-through under Federal Acquisition Regulations (FAR)
• Support the growth of our clients by assisting their proposal teams in reviewing and pricing insurance requirements for new opportunities
• Obtain policy wording specific to our clients’ risks (human, liability, regulatory and property)
• Work with contractors to achieve additional indemnification from the U.S. government.
• Provide practical expertise and advocacy during the entire life cycle of the transaction, from insurance program marketing to claim management

The WTW Government Contracting practice is a true center of excellence, committed to monitoring issues important to our clients.

Focusing on your talent

WTW brings over 35 years of industry experience to help clients navigate the complex human capital landscape of government contracting. Our team understands the unique accounting and procurement challenges of government contractors and their implications to human capital and benefit plan management.

How we help our government contractor clients:

Improved employee experience

Supporting an employer mindset of employees as consumers. Recognizing ways to address the full well-being spectrum for today’s employee, including physical, emotional, social, and financial wellbeing.

Proactive talent solutions

Consulting and tools to help you offer competitive compensation and benefits to engage and attract employees in the war for talent, especially against other adjacent industries.

Industry connectivity

Our relationships within the industry and with prominent government contracting attorneys and auditors, such as the Defense Contract Management Agency (DCMA) and the Defense Contract Audit Agency (DCAA), enable an open dialogue and allow you to balance your legal, moral, and practical obligations in various situations (e.g. following SCA Compliance, FAR/CAS Compliance, as well as responding to DCMA/DCAA audits/inquiries).

Industry-based solutions

We can help you with our firsthand working knowledge of the industry trends and how to mitigate the impact of contract turnover. We can also offer guidance during the restructuring of business units and internal functions due to realignment or merger and acquisition transactions.

Some of the issues facing the healthcare industry

• Healthcare consumerism and access to care
• Transparency
• Rising costs and reimbursement
• Talent retention and rising costs
• Data breaches and advancements in data, analytics and digital health
• Pandemic risk and emergency preparedness

These disruptions pose challenges, but many also offer opportunities for organizations to redefine themselves. In order to succeed in an era of disruption, an organization requires the right people, risk and capital strategies.

Willis Towers Watson works with senior leadership at hospitals, health systems, physician groups, managed care organizations, senior living and other service providers to develop and implement strategies that will help bring long-term growth to your organization. We help clients thrive in an era of disruption by combining deep industry knowledge with extensive industry expertise.

• Behavioral Healthcare
• Home Healthcare
• Hospital and Health Systems
• Managed Care
• Physicians and Allied Health Professionals
• Senior Living

A focus on your talent

In healthcare, your greatest asset is your talent. We can help you develop HR programs to attract and retain the critical talent you need to succeed.

We understand that every healthcare organization has distinctly different human capital needs, especially as they address the extraordinary changes in healthcare delivery.

Managing your risks

We also have the resources necessary to provide healthcare clients with the service you need in insurance brokerage, risk analytics, clinical risk management consulting and claims management.

In an industry where the human touch is so highly valued, we serve as a hands-on extension of your risk management department. We recognize that every healthcare provider and facility is unique in their risk financing and risk control needs, particularly as they confront the revolutionary changes in the industry.

We help healthcare organizations reduce total cost of risk through a national and international network of dedicated healthcare brokers in our retail offices, supported by the broad expertise of our national Healthcare practice consultants and the global placement capability of our dedicated healthcare brokers in London and Bermuda.

Insurance runs through our organizational arteries. On any given day, in locations around the world, we are:

• Working closely with insurers to develop and place organizational risks in the market
• Supporting insurers to run their businesses more effectively and profitably with advice in areas from modeling and analytics to distribution and from talent development and rewards to investment strategy
• Helping insurers to transfer risks in the reinsurance and capital markets
• Advising insurers on business strategy, including mergers, acquisitions and divestments
• Deploying specialist technologies that enable insurers to manage their businesses more effectively and profitably

Crucially, we increasingly help insurers make the important connections between these areas, enabling them to manage a multitude of business challenges, including less pronounced rating cycles, new technologies and working methods, changing demographics and buying behaviors, evolving regulatory and reporting requirements, and emerging or shifting market demand in classes such as cyber, casualty, life and health. 

For insurers looking to optimize human capital, improve financial performance and better understand and manage rapidly changing risks, Willis Towers Watson can help you meet goals and seize opportunities. 

We help a broad spectrum of life science companies to mitigate threats and create opportunities across a wide range of risk and human capital issues.

Life science businesses operate in highly regulated and fast developing environments and across geographies.

WTW has the knowledge and dedicated resources to help life science companies navigate this complex risk landscape.

We understand the challenges faced by the industry and have the experience and expertise to enable you to make the best decisions and implement the right solutions to manage your risk and people.

Our investment in technical expertise benefits our clients every day.

Our teams comprise a cross-section of professional backgrounds and credentials, including professionals with backgrounds as scientists, attorneys, risk managers, brokers, underwriters, risk engineers and claims specialists.

Our global footprint and multinational knowledge allows us to anticipate trends and regulations around the world and afford easy access to relevant information about any location in which our clients do business.

There is no substitute for responsiveness, innovation, broking excellence and program delivery.

Our expertise

We specialize in services for:

• Pharmaceutical and biotech
• Therapeutic research and development
• Generic/specialty drug manufacturers
• Medical device/digital health companies
• Contract research organizations (CRO)
• Contract manufacturing organizations (CMO)
• Diagnostic laboratories
• Nutraceutical and over-the-counter (OTC)

We have a globally integrated practice with industry specialists in all aspects of client service including:

• Property and casualty
• Clinical trials
• Claims advocacy
• Management liability
• Risk and loss control
• Cyber
• Analytical tools
• Mergers and acquisitions (M&A) due diligence

How we serve our clients

We provide a service with traditional values, advice and relationships you can trust.

• Before we place any insurance, we work with you to identify and quantify your risks to ensure the most efficient protection for your balance sheet.
• We provide you with the confidence that your insurance programs are created to fit your specific needs. For all our clients, we challenge the status quo and create programs that will evolve as they do. Due to a fast-paced and constantly evolving risk environment, we help you to anticipate risks and plan mitigation strategies for the next development. We guard the present with an eye on the future.
• We offer you a single point of access, aligning specialist teams across every line of coverage. Using a proprietary client portal ensures real-time access to risk information facilitating efficient and proactive decision-making.
• The majority of our life science clients do not have a risk manager. This reality has prompted us to build a service model for every client designed to optimise resources whilst improving outcomes.

Access to global regulatory information

We have access to global regulatory and compliance information via our online database used extensively across our global network to ensure we’re keeping our clients informed with the most up to date developments. This information is provided by country and includes:

1. Non-admitted status
2. In-country regulations
3. Insurance limits
4. Professional liability requirements
5. Certificate protocols
6. Specific information requirements for each country

What makes us different

• We provide our clients with regular in-depth trends and insights on emerging risks impacting the life sciences industry and insurance marketplace to help them implement the right solutions for their organization.
• Our advanced loss modelling capabilities. Connected Risk Intelligence is an innovative development in risk consulting which visualises risk in a single language and framework to empower organizations to make better risk finance decisions.
• At WTW, we spend the time evaluating and analysing your risk exposures in order to help minimize the total cost of risk. As well as supporting you achieve your organization’s goals.
• We provide direction and consultation on risk mitigation strategies and improvement opportunities to help enhance your organization’s performance. We offer a range of solutions to address your people, risk and capital issues.
• Our service team offers access to specialists who are life science experts in areas in different lines of business including: directors and officers liability, cyber, product liability, supply chain, cargo, assets and risk engineering.

Adaptability, innovation and governance serve as differentiators in a highly competitive landscape and dynamic risk universe. Manufacturers embracing change and risk within their operating environments are more likely to emerge as leaders in the sector.

Manage complex risk

We engage with our clients to obtain not only a deep understanding of their risk exposure but also their strategic objectives to produce optimised risk treatment solutions.

Our team is diverse and experienced in supporting complex, global manufacturing organisations through the provision of risk mitigation advisory services, risk financing and loss management.

Enhance workforce productivity and performance

Consumers and investors are better informed than ever and are decision-making based upon new criteria aligned to CSR (Corporate Social Responsibility), such as climate impact, sustainability, inclusion and diversity.

WTW also has a wide range of services and solutions to enhance workforce productivity and performance, helping to cultivate and grow talent while balancing costs and rewards. From employee benefits to executive compensation, we take a rounded perspective, based on, data, analytics and software, unearthing new ways to motivate people, foster wellbeing and implement solutions that work.

Understand technology’s role and risks

We understand how technology – automation, artificial intelligence and robotics – are changing not only how work gets done but the very nature of work itself and the evolving role people are playing in this new landscape. With our innovative, holistic approach to people, risk management and capital, WTW can help unlock potential to reach your goals.

The marine industry requires uniquely specialised solutions for its management of risk and we work in partnership with clients. The Global Marine integrated approach is backed by decades of knowledge allowing us to offer global expertise through point of contact at a local level, subject to local licensing requirements.

Why WTW? 

Knowledge and experience

Strategic understanding of your industry, evidenced by the deep experience within the team. 

The power of innovation

Marine industry knowledge and client insight driving innovation - see our response to future trading challenges - such as blockchain and smart contracts. 

Global capabilities

A global team of 600+ marine experts supporting your opportunities across our marine centres of excellence. 

Market strength

Competitive pricing and coverage enhancements maximised by coordinated access to the global marine insurance marketplace.

Market analysis

Insightful market selection based on settlement performance, loss prevention and emergency response as well as financial security. 

Beyond the marine transaction

As your risk adviser we have a connected approach to risk, providing guidance on all aspects of your operation, whilst optimising total cost of risk. 

Supporting you at critical times

Clear, effective advice and support in the event of a major loss, provided by our claims advisory and in-house adjusters. 

Creating partnerships

Working together to harness your position as the best advocate of the risk, early selection and choice of the most appropriate strategic insurance partners, irrespective of global location.

The marine industry requires uniquely specialised solutions for its management of risk and we work in partnership with clients. The Global Marine integrated approach is backed by decades of knowledge allowing us to offer global expertise through point of contact at a local level, subject to local licensing requirements.

Our global colleagues work across several specialty teams:

• Shipping and Maritime Industries: Hull and Machinery (H&M), Protection and Indemnity (P&I), Special Risks (Marine liabilities)
• Global Cargo
• Specie: Fine Art, Jewellery, Cash Management
• Global Asset Protection: Superyachts, Bloodstock (BELA; including Estates, Livestock and Aquaculture) and Private Clients

Effective claims management is the ultimate measure of your broker:

• We understand the importance of delivering clear and effective advice.
• We are proud of the reputation of our in-house Marine claims specialists and average adjusters.
• Leveraging our global and local expertise, specialist teams can be on site supporting the claims process round the globe.
• We make claims based (not just price based) decisions when selecting insurance partners and understand the importance of measuring and managing the performance of our carriers.

WTW’s global natural resources team offers risk management and broking solutions to clients in the following natural resources industries..

Over 400 natural resources specialists located in key locations across the globe help clients to lower their overall cost of risk through: delivery of industry insight, strong insurance market relationships and utilisation of in-depth technical resources.

The natural resources industries are renowned for their complex infrastructure and supply chains. This creates a unique set of risk management challenges, which demand specialist partners delivering effective risk solutions.

Our in-depth industry expertise enables us to offer advanced risk management strategies:

• Identifying your key risks.
• Establishing the most effective risk management strategy for your business. This will vary depending on your risk appetite and available capital.
• Getting the best risk transfer solutions through the global insurance markets.

Our global team has six core offerings:

Insurance program design, negotiation and management

Each program is designed from the ground up and built specifically for your needs. We design and place sustainable insurance programs, leveraging our long-term relationships with insurers. We will always drive optimisation of program structure and market selection, seeking the best markets, terms, premiums and service levels. Our ability to advise extends across the full project life cycle, from the origination of new projects, through construction risks, to the operational phase of each project.

It is important that our clients are not overly dependent on any particular insurer. We regularly test these programs and develop alternative insurance capacity to ensure that our clients are not overly dependent on any particular insurer(s) and they benefit from market competition for their business.

Risk engineering

Our engineering team offers a range of services including risk assessment and benchmarking, loss identification and qualification, and technical advice and consultancy.

We construct customized risk engineering programs to best serve client internal needs, in addition to insurance placement requirements.

Risk and analytics

Natural resources companies expect an analytical approach to their risk transfer strategy and benefit from the services that we provide in this area.

Our analytics specialists offer diagnoses of exposures in real time and alternative solutions to manage emerging risks. Their expertise advances the ability of organizations to add more data and analytics into risk-related decision processes as well as improving certainty, building resilience and, ultimately, driving more effective management of overall risk costs.

Benchmarking

Our clients are always looking to measure their policies, products, programs and strategies in comparison to standard measurements and peer organizations.

We have a wide range of insurance data available to provide invaluable reference points, helping to shape your risk management program. Our analysis can help determine where programs will benefit from changes while helping embed long-term enhancements.

Contractual and regulatory reviews

The undertakings made when negotiating and entering into a contract are fundamental to the future risk program requirements. By involving our experts at an early stage we can help inform your contract negotiations and avoid costly commitments. Our understanding of clients’ contractual and regulatory obligations helps us implement correct risk transfer and mitigation strategies and provide additional certainty and accountability to the risk management process.

Claims advocacy

We don’t outsource insurance claim functions to third parties, helping ensure that your claims are paid fully and quickly.

We provide complete administration solutions that support the needs of both participants and employers, with a focus on timely and accurate administration.

Private Equity firms, their deals and their portfolio companies are more than just the sum of their parts. They form a cohesive ecosystem in which every deal can learn from the previous deal’s diligence, and every portfolio company is presented with the opportunity to adapt good operating practices from the others.

But while PE firms understand this implicitly, their professional advisors need to as well. Consistent, joined-up high quality advice to a PE firm across its global breadth of deals and the portfolio often gets lost amidst a professional advisor’s geographically siloed internal structures, rigid functional reporting lines and financial accountabilities.

At WTW we’ve recognised this, and taken steps to address it. Our PE client service teams have been designed expressly to advise PE firms on risk management and talent cultivation across their deals and portfolio. This team taps into the WTW network of 45,000+ advisors across 140 countries, to identify and bring the most relevant resources to bear for the industry and geography of the deal / portfolio company being advised.

How does this work in practice across our PE clients’ deal cycles?

• In the diligence phase, our PE teams works across WTW’s regional M&A teams, country teams and sector Risk specialists / People advisors to conduct deeply localised risk, insurance, pensions and employee benefits due diligence.
• Between signing and close, we work closely with our PE clients to implement the recommendations of our diligence in advance of deal close. Where the deal is a carve-out, we market and place the target’s insurance programme in global insurance markets that provide the most optimal balance of coverage and pricing terms. On the People front, our consultants advise on retaining the right talent at the target, and communicating the deal across the target organisation in a way that keeps staff engagement, morale and productivity high
• In the first 100 days after the deal, our risk teams understand the PE client’s risk appetite to further optimise the newly-acquired portfolio company’s insurance programme. At the same time, People advisors seek to assess staff’s attitude and approach to risk management, ensuring that the portfolio company has a watertight risk culture
• Over the course of the holding period, we continue to act as the glue that brings together Risk and People advice across the entity and the PE client’s wider portfolio. Our advisors assist in designing senior executive compensation packages that are consistent across portfolio companies, build enterprise-wide reward programmes that seek the same goals and outcomes across the portfolio, harmonise employee benefits programmes, and seek to ensure that portfolio-wide insurance and risk continues to remain managed with no gaps in exposure
• When making add-on investments, our PE teams again work with the right geography and sector Risk and People advisors to ensure that the add-on is seamlessly incorporated into the buying asset’s insurance, pensions and employee benefits programmes
• Finally, during exit preparation, we build and demonstrate the exit readiness of the company’s risk management and talent landscape. The Risk specialists and People advisors who have been working closely with portfolio company ensure that the insurance programme is optimised, any potential to transfer contingent liabilities to insurance markets are explored, IPO insurance is in place where relevant, pension liabilities are laid out clearly, strong internal communication and change management protocols around the deal are established, ESG efforts are highlighted, and HR & Insurance vendor due diligence is conducted.

The world is facing unprecedented changes. Workers are more mobile than ever. Gone are the days of fighting for the best office as your employees can work virtually from anywhere there is internet access. Whether you are an accountant, architect or an attorney, soon — if not already — you may even have non-human workers powered by artificial intelligence (AI). These changes require new ways to manage employees and risk. To help you navigate this changing world, WTW’s Professional Services practice can address your people and risk management needs.

Our team has specialist knowledge of all leading professions:

• Accounting
• Architecture and engineering
• Consulting
• Law

We aim to develop solutions that enable clients to manage their risk and people efficiently and effectively.

Our intellectual and technical strengths equip us to deal with virtually any risk or human capital challenge that you might encounter. We strive for excellence in the delivery of our services and deliver objective advice backed by sound logic and data where available.

Some of the issues you may face include:

• Compensation
• Data breaches, cyber crime and theft of client information
• Talent retention
• Advancements in data and analytics

WTW works with your senior leadership to develop and implement strategies that can address these issues and help bring long-term growth to your organization.

A focus on your talent

In professional services, your greatest asset is your talent. We can help you develop HR programs to attract and retain the critical talent you need to succeed. Whether it is full-time professionals or contingent workers for a specific project, we understand that every professional services organization has distinctly different human capital needs. We can help you tailor HR programs to your unique requirements.

Our HR offerings include:

• Benefits administration and outsourcing
• Change management
• Compensation strategy and design
• Contingent workforce management
• Executive compensation
• Future of work
• Health and benefits
• Inclusion and diversity
• Mergers and acquisitions
• Retirement
• Talent
• Total rewards
• Wellbeing

Managing your risks

We also have the resources necessary to provide professional service clients with insurance brokerage, risk analytics, and risk management consulting. In an industry where people are paramount, we serve as a hands-on extension of your risk management department. We recognize that every firm is unique in their risk financing and risk control needs.

Our risk management offerings include:

• Financial, Executive and Professional Risks (FINEX)
• Professional indemnity
• Cyberinsurance
• Directors & officers liability
• Employment practices liability
• Network privacy/cyber risk liability
• Property and casualty insurance
• Captives
• General insurance program reviews

The WTW Professional Services practice can help you address your people and risk needs, so you can meet goals and seize new opportunities.

Public entities provide crucial benefits to our communities and provide much of the necessary infrastructure for state and local enterprise. Operating in a time of constant economic, political, and technological changes, they face a broad array of risks from talent shortages, cyber threats, COVID-19, pension funding and public infrastructure. These challenges reinforce the need for renewed focus and discipline in proactively managing people and risk issues.

Our public entity team stays abreast of geopolitical risks, legislation changes, market dynamics, climate change, talent management and safety to help you navigate this complex risk landscape and implement the right risk management and talent solutions to drive superior results.

The future of risk for public entities

• Wrongful termination lawsuits
• Political risks
• COVID-19 related challenges
• Terrorism events
• Breach events
• Extreme weather events
• Cyber legislation changes
• Law enforcement liability
• Retirement Benefits
• Sexual misconduct
• Inclusion and diversity
• Rioting
• Climate change
• Enterprise risk management
• Property valuations
• OPEB
• Title IX
• Budgetary constraints
• Healthcare plans
• Nuclear verdicts
• Fiduciary liability
• Talent management
• Excess fee litigation

At WTW, we take a “hands-on” approach to broking, partnering with you to understand your unique needs. We then identify and prioritize your risks and marshal optimal risk management solutions by using data and analytics to inform risk management strategy..

Our diverse public entity relationships include: municipalities, ports, transportation authorities, Native American tribal governments, public-private organizations, cities, counties, utilities, state governments, K-12, higher education, airports, risk sharing pools and purchasing groups.

Our relationships with insurance markets are global, including Europe, United Kingdom, the United States and Bermuda. The depth of our global teams enables us to access insurance markets in virtually every region of the world and provide the largest capacity programs with superior coverage in the marketplace.

The WTW difference: Human capital

We can help you develop HR programs to attract and retain the critical talent you need to succeed. Understanding that each public entity has distinctly different human capital needs, we can help you tailor HR programs to your unique requirements.

Real estate companies must have extraordinary judgment and skills to optimize return on investment. Amid interest-rate uncertainty, regulatory, legislative and tax changes and more, real estate companies must have foresight and timing to create long-term value.

WTW helps real estate companies find the opportunity in these challenges with solutions that help increase employee performance, manage risks and optimize capital.

Maximize employee performance

By taking a holistic approach to employee performance as well as health and benefits, we help real estate companies to unlock the potential of their employees. We can help you cultivate and grow talent, carefully balancing costs and rewards. From employee benefits to executive compensation, we take a rounded perspective, based on leading-edge thinking, data, analytics and software, unearthing new ways to motivate people, foster wellbeing and implement solutions that work.

Our objective is to deliver and accelerate your benefit strategies. We combine operational expertise with user-centered design to help real estate organizations of all sizes and complexity, improve their benefit strategies and deliver an engaging employee experience that instills confidence and satisfaction.

Take a strategic approach to risk management

We deliver innovative solutions that enable you to manage the risks to your performance more effectively. As a leading global insurance broker, we have the reach, scale, leverage and specialist expertise. Our real estate and hospitality practices comprise some of the most respected professionals in the insurance broking industry.

We can draw on experts from within our business and our vast international network to augment our services and deliver comprehensive and optimal risk management solutions.

Optimizing capital

WTW can also help real estate organizations optimize capital with market-leading financial and capital modeling, tailored asset management, and buy- and sell-side merger- and-acquisition advice and support.

With our innovative, holistic approach to people, risk management and capital, WTW can help unlock potential to reach your goals.

The WTW Sports and Entertainment practice delivers a specialized service and resource platform to the unique companies in this industry.

Since many in the sector lack robust internal risk management processes, we go beyond the transactional aspect of insurance broking, developing consultative relationships that offer unique perspectives on how companies can use insurance to achieve financial objectives. Our team is able to accommodate demanding service requirements, provide risk management consultation and implement all traditional and niche insurance programs. 

The sports and entertainment industry is extremely diversified and nuanced. Clients want to be assured that a broker has the vertical platform to manage their core property and casualty placements and be diversified enough to handle the niche products that require expertise and specialization such as:

• Special event liability
• Event cancellation
• Rain
• Accident and medical
• Retailer promotion
• Over redemption
• Motorsports
• Performance incentive

Unlocking the potential of human capital

The companies that support the sports and entertainment industry are no different than others. They strive to unlock the potential of their workforces and provide the health, benefits and rewards programs that foster an engaging employee experience. 

In a high performance industry, companies need their employees to be at their best. From executive compensation to health and benefits, we take a holistic approach to the employee experience, helping ensure that companies are able to motivate their employees, foster their wellbeing and accelerate human capital strategies.

Who we serve

• Professional associations, leagues and teams
• Amateur sports and intercollegiate athletics
• Event management companies
• Entertainment
• Concerts and large events
• Apparel and consumer products

Why WTW?

Sports and entertainment organizations need a customized insurance program to address potential gaps in their risk management and placement strategies. We help clients on both fronts. First, we take the time to truly understand all facets of a client’s operations. Then, using our specialized knowledge, we articulate and package that information to a global carrier audience.

Through our industry experience and volume of business, we are able to leverage our relationships and access to key markets to tailor client-specific programs that help drive down your total cost of risk.

The WTW Technology, Media and Telecommunications (TMT) practice is innovative, experienced and global. We will evaluate your current exposures, potential risks and human capital needs to design the optimum risk and human resources (HR) programs by analyzing your needs, creating solutions and accessing necessary resources worldwide. We will provide you with service in both insurance and employee benefits as you negotiate today's complex environment.

The WTW TMT Practice serves providers of:

Technology

• Hardware and electronics
• Software
• Semiconductor
• Technology services
• Internet service providers and data management
• Specialty products and services:
• Emerging Technologies (e.g. AI, Robotics)
• Government contracting
• New sector technologies (e.g. GigTech, Fintech, AeroTech, AutoTech, and HealthTech)

Media

• Broadcasting
• Advertising and marketing
• Publishing and social media
• E-commerce

Telecommunications

• Communications service providers (wired and wireless)
• Telecom equipment and hardware

How we can help

Despite the prevalence of unique exposures, tech, media and telecommunications companies also must have adequate protection against traditional risks such as property, liability, business interruption, crime, environmental etc. Management liabilities and issues associated with employee benefits must also be addressed.

Risk

We offer a wide range of services, products and innovative solutions to meet the ever-changing risk needs of the technology, media and telecommunications industries. Our experts provide actuarial services and analytics, loss control services, claims advocacy and management, insurance and risk management program design and marketing, and seamless international services.

Our offerings include:

• Executive risks
• Business interruption and contingent business interruption
• Errors and omissions liability
• Environmental liability
• Surety
• Collateral review/negotiations
• International network
• Property and casualty
• Cyber liability
• Product liability
• Workers' compensation
• Loss control
• Alternative risk transfer solutions
• Captives
• Intellectual property risk management
• Trade credit
• Satellite/signal interruption
• Merger and acquisition consultancy reps and warranty
• Credit, political risk and terrorism
• Directors & officers
• Pooling
• Product recall
• Affinity program

People

The world of tech, media and telecom moves quickly — a product can go from concept to consumer in as little as three months. Your talent is key to your success. Losing key talent amid the development and launch of a key new product can be the difference between success and failure — and not just for the product, but possibly the whole company. We can help you develop HR programs to attract and retain the critical talent you need to succeed. We can partner with you to tailor HR programs to your unique requirements.

Our offerings include:

• Benefits administration and outsourcing
• Compensation strategy and design
• Contingent workforce management
• Executive compensation
• Future of work
• Health and benefits
• Inclusion and diversity
• Mergers and acquisitions
• Retirement, including 401(k)
• Total rewards
• Talent
• Wellbeing

The WTW Technology, Media and Telecommunications practice can help you address your people and risk needs, so you can meet goals and seize new opportunities.

Our clients include some of the largest transportation companies in the world in addition to trade associations, regulatory bodies and government departments. We are active members of a number of industry organizations, helping ensure we are up to date on relevant industry developments and issues that impact businesses, big and small.

The practice’s clients span a number of distinct industry sectors, including:

• Light and heavy rail
• Transportation infrastructure
• Bus and coach
• Transport logistics
• Port operations
• Haulage
• Freight forwarding
• Tour operators

We differentiate our practice through the size of our team, the depth of our resource and the range of our clients. Our team has industry expertise and knowledge gained from working with a range of transportation clients over many years.

The practice works with our specialist colleagues throughout WTW, including marine, construction and aviation to offer a comprehensive, integrated response, drawing upon the very best specialist knowledge within the firm.

Risk management

We offer a range of risk management services to our clients, from risk engineering and business interruption reviews to strategic risk assessments and enterprise risk management. We develop bespoke risk management products that are tailored to meet the requirements of transportation companies but more importantly, produce output that provides real benefit and value.

We recognize that loss management is a critical area for transportation clients. We employ dedicated loss management executives who organize the appropriate solution for each of our clients. This could be devising the most effective way of direct dealing with insurers, the appointment of an external claims handling firm or managing losses in-house.

We offer a range of additional services from claims audit to helping clients defend a claim. In the event of a large or more complex loss, we will deploy senior claims executives to personally manage the claim to conclusion.

Human capital

We can help you develop HR programs to attract and retain the critical talent you need to succeed. Whether it is full-time professionals or contingent workers for a specific project, we understand that every organization has distinctly different human capital needs. We can help you tailor HR programs to your unique requirements.

Our HR offerings include:

• Benefits administration and outsourcing
• Change management
• Compensation strategy and design
• Contingent workforce management
• Executive compensation
• Future of work
• Health and benefits
• Inclusion and diversity
• Mergers and acquisitions
• Retirement
• Talent
• Total rewards
• Wellbeing

The WTW Transportation and Logistics practice can help you address your people and risk needs, so you can meet goals and seize new opportunities.

WTW is a leader in benefits administration and outsourcing solutions with over 40 years of technology and outsourcing experience, 140 years of benefits expertise, and more than 500 clients in the United States.

Providing value through quality and partnership

For us, partnership is not just a word. It’s a mindset that drives our actions and underpins a strong, trusted relationship. It’s the reason why 99% of employers that choose our benefits administration solutions stay with us.

We partner with you to provide a flexible, user-centered benefits delivery experience that evolves with the needs of your organization, the way you work, your goals and your challenges. Our benefits expertise and consultative approach helps us provide administrative best practices, data analytics and strategic recommendations. Furthermore, our wholly-owned integrated solution removes the frustrations with multiple systems and vendors and increases data security.

Our focus on quality helps keep your benefits administration compliant and efficient, and our transparency provides no surprises. Our superior participant and administrator experience can significantly reduce the burden on your benefits teams, freeing them to work on strategic priorities.

Delivering a high-tech, high-touch employee experience

With the understanding that employee benefits touch the lives of individuals every day, we take benefits administration seriously. From intuitive technology to high-touch service centers, our benefits administration and outsourcing solutions make accessing benefits simple for employees to understand and easy to use throughout the year and especially during open enrollment.

Paying for what matters in the new world of work

The rapid transformation of the global workplace requires organizations to rethink how they compensate employees and create frameworks that enable them to attract and retain talent and optimize HR spend. They must simplify complex pay decisions and prioritize factors that include rewarding skills that help meet future objectives, compete effectively for coveted talent, recognize the growing global movement to establish gender pay equality and ensure that top performers are adequately rewarded for their contribution.

In today's challenging environment, how can you meet these disparate and imposing demands?

An impactful compensation strategy and design can place you in a position of strength and provide a clear vision of the future. But how do you get started? By taking an unvarnished look at your company's existing Total Rewards strategy and how it aligns to your organization's strategy and vision of the future, and then by designing a compensation program that delivers the right compensation to the right employee segments in the right way.

Getting compensation right starts with the right strategy

Incisive compensation strategy employs a creative, yet disciplined, approach to pay management, aligned to your Total Rewards strategy and talent value proposition and enables you to attract, retain and engage talent and drive the right behaviors.

Our approach and process sets the context using our metrics tools and analytics to:

• Document your current plans and assess their effectiveness
• Carry out a market analysis with industry and peer group analysis
• Identify options and opportunities for change
• Model the impact of change
• Develop an effective change management and communication plan

The right compensation design for the right employee segments

With a strategy in place, together we can develop compensation plans that make sense for your organization and critical employee segments including executives and employees across four key elements. 

• Base pay
• Short-term incentives (STI)/bonus pay
• Long-term incentives (LTI)
• Recognition and other programs

Supported by our robust compensation data, job leveling and architecture, and a framework that incorporates pay delivery, assessment and calibration, program governance and enabling technology, we help you get compensation right in the new world of work.

Why WTW?

WTW's unique combination of consulting expertise, data, analytics and software empower the design and implementation of tailored, cutting-edge compensation solutions to propel your organization forward.

Unparalleled analysis and insights

Deep expertise across jobs, work, rewards and talent analytics 

Communication expertise

Award-winning communicators that excel in helping organizations navigate change and employees understand the value of their rewards

Market-leading salary survey data

World-class salary surveys and salary benchmarking data across all industries, countries and job levels. 

Experience with fair pay analyses

Over 30 years of experience conducting equal pay audits and fair pay analyses including gender pay gaps and solutions as well as crafting succession management and fair recruitment plans 

Sales effectiveness and rewards

Expertise to help you develop sales talent management and reward strategies that align with the unique growth needs of your business 

Job leveling expertise

Job evaluation and leveling tools and knowledge addresses essential business needs: attraction, engagement and retention of key talent; cost and risk management; and governance of reward and talent program delivery 

Compensation software

Interactive benchmark data, competitive benchmarking, global job leveling, compensation program design and robust reporting and analytics help you attract and retain the right employees while optimizing your compensation spend

Manage climate risk now, for the future

Climate change and the transition to a net-zero economy pose new challenges for all organizations and governments. Our global, multi-disciplinary team of experts can help you act now to manage today’s climate risks and develop a strategic response for the long term. Drawing on our global expertise and powered by Climate Quantified™, we provide analytics, advisory and implementation services to help you identify, measure and respond to climate-related risks and opportunities.

Why WTW

1. Climate risk is in our DNA. Managing risk is at the heart of the climate challenge and we have been helping our clients turn risk into opportunities for growth for decades.
2. Modelling climate risk for 30 years: Since the earliest emergence of catastrophe modelling in the early 1990’s we have been at the forefront of modelling and pricing climate risk. Our cutting-edge Climate Quantified™ data and tools build on this rich heritage.
3. The widest possible reach. Climate change is a global, whole-economy challenge. we work in over 140 countries and have relationships with 85% of the US Fortune 1000 and 90% of the Global Fortune 1000.
4. Combined expertise. We deploy multi-disciplinary team of climate risk specialists, engineers, modelers, natural catastrophe consultants and enterprise risk consultants to meet complex climate challenges.
5. Beyond measurement. A strategic response to climate change is about more than risk measurement and pricing, it requires far-reaching changes across capital allocation, organizational culture and in the way we work. We are uniquely placed to provide climate services that connect people, capital and risk.

From planning to implementation

Our comprehensive approach sets us apart. We understand that aligning with the Paris Agreement, meeting obligations around transparency and governance, and managing the physical risks of climate change demands practical solutions tailored to meet your complex needs. We deliver extra value by offering the full spectrum of climate risk solutions helping you on your journey from understanding and measuring climate risk to implementing changes to your operations, organization and value chain. Our services go beyond data and analytics, extending to Environmental, Social, and Governance (ESG), change management and communications, employee engagement and compensation.

Wherever you are on your climate risk journey, we are there to help you take the next step and build long-term resilience for the future.

How we help you to manage climate risk

Financial services

We support banks, insurers, asset owners and asset managers to identify, assess and respond to physical and transition risks. Using our market-leading data, tools and advice, you can:

• Conduct climate stress testing and scenario analysis for portfolios.
• Set and implement a strategic response to climate, including decarbonisation pathways and climate solution allocations.
• Comply with regulatory and disclosure requirements for climate-related risks (such as the recommendations of the Taskforce on Climate-related Financial Disclosure – TCFD).
• Form a nuanced understanding of physical and transition risks and opportunities for investments and assets.
• Embed lasting institutional change through learning and communications, culture, employee engagement, incentives and rewards.

Corporates

The world’s largest corporations trust us to help them identify their climate risk exposure and manage risks and opportunities. We help businesses across all sectors of the economy to:

• Conduct climate stress testing and scenario analysis for portfolios.
• Set and implement a strategic response to climate, including decarbonisation pathways and climate solution allocations.
• Comply with regulatory and disclosure requirements for climate-related risks (such as the recommendations of the Taskforce on Climate-related Financial Disclosure – TCFD).
• Form a nuanced understanding of physical and transition risks and opportunities for investments and assets.
• Embed lasting institutional change through learning and communications, culture, employee engagement, incentives and rewards.

Government and Development

We work with governments, development finance institutions and non-governmental organizations to integrate climate risk into policies, plans, and humanitarian and development programmes worldwide. We help build resilient communities through:

• Transition risk analysis that identifies and assesses systemic risks, including national, regional and local public finances.
• Climate risk and vulnerability analysis at national, regional or local levels to support project preparation, planning or development objectives.
• Disaster risk financing and risk transfer solutions, including insurance product development and (re)insurance-linked securities.
• Innovative insurance and financing mechanisms to support ecosystem resilience and nature-based solutions.
• Effective public communications and engagement to build support for climate action.

At the heart of the climate transition

WTW plays a central role in economy-wide efforts to transition to a net-zero, climate-resilient future:

In 2019, WTW and the World Economic forum founded the Coalition for Climate Resilient Investment, aiming to improve the pricing of physical climate risks and climate resilience in investment decision-making.

We are working to close the insurance protection gap in many developing countries. In 2016, we founded the Insurance Development Forum to further this work.

We are signatories to the UN Principles for Responsible Investment, the Principles for Sustainable Insurance, and the Financial Stability Board’s

We work closely with regulators and central banks to develop climate stress testing and disclosures and reporting of climate-related risks.

Our climate work is informed by our $50 million investment in the award-winning WTW Research Network (WRN). Founded in 2006, the WRN supports climate and natural hazard research in partnership with leading universities and research organizations.

In 2015, we created the Thinking Ahead Institute (TAI), which works to influence change in the investment world.

Cybersecurity today is no longer simply a technology risk for the IT department to handle. A cyber breach can affect your ability to operate and cost millions. It can also have far-reaching consequences that affect your reputation and brand long after the breach itself is resolved.

WTW takes an integrated, holistic approach to cyber risk management to help you manage all aspects of the exposure across your enterprise. We take a three-step approach toward helping our clients evaluate and manage their cyber risk.

Assess

We implement a range of tailored services to identify and analyze an organization’s core risks across the entire enterprise, focusing on cyber risks affecting people, capital and technology. We identify the gaps and provide practical solutions to reduce risk, achieve business goals and ensure a cyberresilient organization.

• Tailored Cyber Risk Assessment
• Operational Risk
• Incident Preparedness and Response
• Workforce Cyber Culture assessment
• Cyber Risk Profile Diagnostic
• Cyber Risk Culture Survey
• Cyber Work Readiness Diagnostic

Quantify

We leverage our global experience, incident data and customized assessment tools to provide a strategic suite of best-in-class solutions designed to quantify, inform and mitigate cyber risk exposures.

• Cyber Risk Quantification
• Data-driven analytics

Protect

Utilizing our leading team of global risk advisors, consultants and insurance specialists, we create tailored risk transfer solutions, ensuring balance sheet protection alongside a range of services to protect our clients after a cyber incident occurs including post incident support, claims advocacy and post incident review and analysis.

• Insurance Advisory, Broking and Placement
• Claims Advocacy

People

Two-thirds of cyber incidents are the direct result of employee behaviors – from lost devices to actions by disgruntled insiders. Our proprietary Workforce Cyber Culture Assessment and Cyber Risk Culture Survey can help you assess employees’ attitudes and behaviors to uncover vulnerabilities, create awareness and design action steps that can help reduce insider risk.

Our Cyber Work Readiness Diagnostic can help you create and optimize a cyber workforce by defining roles and identifying talent and skills gaps. This entails assessing potential sources of cyber risk to establish a needs-based hiring and retention plan amid a perpetual “war” for cyber talent. Our market-leading human capital consultants and risk advisors provide customized solutions based on each client’s unique business operations and priorities.

Capital

According to The Cybersecurity Imperative Study conducted by ESI ThoughtLab and sponsored by WTW, to cope with rising cyber risks, companies increased their cybersecurity investments by 7% in 2018 over the previous year, and plan to nearly double that percentage increase to 13%. Our risk transfer solutions, especially in insurance advisory and placement, provide the protection your balance sheet needs to account for residual risk following the application of appropriate safeguards and practices.

Our proprietary Cyber Quantified and Cyber Risk Profile Diagnostic tools can help you make strategic decisions on how to effectively allocate capital to high priority areas, including risk transfer decisions. Our post-breach solutions include insurance claims advocacy and forensic accounting to ensure maximum capital recovery under relevant insurance policies.

Your employees’ expectations are increasing. Are you keeping them engaged?

Employers – and employees – have a lot on their mind these days: Burnout, retention, flex work, pay, health, financial wellbeing and more. Employees want employers that better understand and support a broader range of human experience and wellbeing. But it can be challenging for employers to sort through the issues and find a path forward. Understanding the whole employee experience makes it easier.

Understand and improve the full employee experience, both inside and outside of work

We offer a full suite of employee engagement solutions across the whole employee experience including health, financial wellbeing, retirement, benefits, rewards, wellbeing, diversity, equity and inclusion, flex/hybrid work, ESG and climate, mergers and acquisitions, career development, organizational culture and engagement. Our exceptional combination of world-class employee survey data, market leading employee engagement software and superior advice uniquely positions us to help solve your toughest human capital challenges.

Our Employee Engagement Solutions

Smart, flexible and actionable employee listening across the whole employee experience

• Employee Engagement Surveys: Generate organizational momentum for change with large-scale employee engagement surveys. 
• Employee Pulse Surveys: Get fast, actionable insights on trending workplace topics like flex work and ESG with targeted pulse surveys.  
• Lifecycle Surveys: Capture employee feedback during the moments that matter like onboarding and exit and bring it to life in real time with lifecycle surveys. 
• Virtual Focus Groups: Combine the reach of an employee engagement survey with the richness of a focus group, online and real-time, with AI-powered analytics. 
• Advanced People Analytics: Predict turnover and other key business outcomes with Advanced Analytics for Engage. 
• Total Rewards Optimization: Invest your reward dollars in a way that generates the highest perceived value for employees at the most economical level for your organization.

Why WTW?

Because we accelerate impact. action. change.

If you aspire to create a better future for your employees and your organization, we supply data-driven, insight-led employee engagement solutions that motivate your workforce, maximize performance and make your organization more resilient. Our clients have come to expect a significant impact.

The mix that’s right for you

Some companies focus on software, others focus on consulting. We focus on value, bringing the right combination of SaaS and expertise you need to solve your most pressing human capital issues.  

Expertise grounded in science

Our breakthrough research on high-performing employee experiences identifies factors that produce financial success.  

Global and scalable capability

Cultures vary around the world, as does the employee experience. That’s why we have 250 experts in 100 locations worldwide.

Business impact

Your goal isn’t running a great survey, it’s running a great business. Our goal is to help you measure and improve your employee experience, so you have that great business.

How your organization manages environmental, social and governance (ESG) and sustainability issues and incorporates them into all you do has become a critical, board-level issue – and opportunity.

Whether developing a holistic, enterprise-level strategy, executing tactical ESG-related programs, or helping to connect sustainability goals with daily efforts, WTW helps you address ESG as a fundamental need throughout your organization’s people, risk and capital strategies, with services and solutions that foster operational excellence and long-term sustainability.

Enabling organizations around the world to make informed, intelligent and integrated decisions on ESG is the WTW difference. That's perspective that moves you.

People, Risk and Capital

• People are at the heart of climate and resilience, wellbeing, DEI and sustainability. 
• Risk captures and measures how ESG connects to your organization’s operations as well as the potential costs of action and inaction. 
• Capital encompasses sustainable investing and investment in programs to support employees and communities or to mitigate risk.

An effective ESG strategy needs discipline and focus to address your specific requirements. Understanding strategic options and the interplay among them is essential to prioritizing resources and setting your plan for action and impact. There are many ways to get started – or continue – on your ESG path.

Climate risk and resilience

How can companies assess, quantify and manage the physical, transition and liability risks related to climate change for their organizations and their various asset pools?

Employee safety and security

How can companies ensure physical and psychological safety and support the physical, mental, financial and social wellbeing of their employees and their families?

Board governance and effectiveness

How to develop an effective board with diverse skills and experience to provide governance oversight of all people, capital and risk programs?

Net zero transition planning

What should companies do to reduce carbon emissions and chart a responsible transition pathway to achieving science-based targets at the company level and within their asset pools?

Justice, fairness and equality

How to uphold human rights and labor standards and unlock human capital potential by creating a diverse, inclusive and equitable work environment and programs?

Sustainable investment

How should companies deploy capital for benefit of all stakeholders including vendor selection and inclusions/exclusions for pension investments?

Circular economy

How to apply risk engineering modeling to change business models, processes and behaviors to reduce waste, improve water impact, reuse and recycle?

Employability and social mobility

How to drive continual employability and upward social mobility by equipping employees with skills (up/re/cross) needed for the future of work?

Risk transfer and mitigation

How to identify, assess, quantify and manage enterprise-wide risks and liabilities through insurance and mitigation strategies?

Sustainable supply chains

How to ensure reliable supply-chains that satisfy ethical sourcing practices, contingency planning and vendor selection standards?

Stability and resilience

How to build collective stability through a healthy talent pipeline so that employees can engage in their work and support each other across different business cycles?

Disclosures and targets

How to ensure the transparency of sustainability priorities, ESG targets and trade-offs and their alignment with executive performance, accountability and compensation?

Learn more

ESG is viewed as a broad set of principles and topics. All impact the success of a company’s talent attraction and engagement, reputation and brand as well as its success in meeting the expectations of colleagues, clients, shareholders, communities and suppliers

WTW research shows that organizations committed to ESG tend be better-run. ESG helps build brands, and attract new customers and talent. They manage their risks more efficiently, freeing capital while reassuring investors. And through their commitment to environmental and social goals, they create more sustainable organizations.

How executive pay is set, managed and communicated is increasingly sensitive. Executive pay programs are more complex and also under closer scrutiny than ever before. WTW provides expert perspectives and consulting that companies need to balance talent and governance risks and drive business performance.

We work with management and boards to balance the interest of key stakeholders and reach pay arrangements that stand up to close scrutiny from shareholders, regulators and others. We bring your organization expert analytical resources, best-in-class competitive data and a global team of dedicated executive pay consultants, underpinned by our framework of “Guiding Principles”.

What sets WTW apart

As one of the world’s largest executive compensation consulting practices, our global team works to deliver:

• Depth and breadth of technical and industry expertise, delivered by our 400+ consultants in 35 cities across six continents
• Extensive compensation databases and a dedicated research function offering clients comprehensive research and analytics capabilities
• The right balance of global connectivity and on-the-ground local expertise
• A multidisciplinary approach that connects WTW’s market-leading HR advisory, data and software solutions

Board Advisory

Board of directors must work together to drive company performance, create sustainable long-term value, future-proof their companies and ensure regulatory conformance. WTW helps companies build better boards by conducting board effectiveness assessments, reviewing board composition and skills, and assessing board diversity and stewardship styles.

We are at the beginning of the Fourth Industrial Revolution, one that promises to alter the world of work permanently. Is your organization prepared?

The exponential rise in computing power is transforming work in significant ways, blurring lines between the physical, digital and biological worlds. Breakthroughs in areas such as artificial intelligence and robotics are dramatic compared to those in previous revolutions. They are already disrupting industries globally, having a significant impact on work and jobs. The effects range from significant job creation to job displacement, from heightened labor productivity to a widening skills gap.

In a digitally disrupted workplace, jobs are being deconstructed into discrete tasks that can be allocated to employee and non-employee talent anywhere in the world or shared between humans and machines based on the most effective and productive ways to get the work done.

Meeting the challenges of a new work ecosystem

Our future of work offering helps you manage how, where and by whom work gets done, including by automation. It addresses the requirements for new ways of working, identifying emerging skills and drivers of engagement for all your talent: employees, free agents and contingent workers

We provide approaches and tools that help you tackle critical challenges related to the future of work:

• Reinventing jobs: Achieve the optimal combinations of employees, machines and talent from other sources (gig workers, alliance, etc.) by deconstructing jobs, redeploying tasks and reconstructing new, more human jobs.
• Work strategy: Define how the new work will be done across your organization (e.g., reconstruction of jobs, AI and robotics).
• Work architecture: Develop the core architecture and leveling approach for jobs, work and curation of skills.
• Reskilling pathways: As skills become the currency of the labor market and work is reinvented, ensure clear pathways for the continuous reskilling of talent
• Talent value proposition: Recognize how the purpose and meaning of work and the work environment is changing, and align Total Rewards in order to engage all types of talent, employees and non-employees.
• Contingent workforce management: Define the types of talent required in your organization, the governance and control processes, and work life cycle.
• Flexible work: Design work arrangements to engage and sustain talent as well as to address inclusion and diversity objectives.

New leadership expectations

As technology continues to disrupt the workplace, leaders are expected to manage through times of ambiguity and change without the formal power that comes with managing permanent employees in a traditional organization. And HR plays a critical role collaborating with business leaders and managers to determine the best way to get work done as technology advances and access to different types of labor increase.

We help organizations like yours develop the leadership skills needed to succeed during digital transformation and in this new work ecosystem. And we provide tools and training in areas from talent acquisition to performance management in order to help you attract, engage and retain talent across the entire spectrum of work relationships.

The opportunity

At WTW, we help our clients approach the challenges related to the future of work with a sense of opportunity grounded in fact, proven methods and underpinned by research. Moving beyond alarmist rhetoric about workplace automation, we assist organizations in exploring how human-machine collaboration can deliver a higher level of productivity while often resulting in new, more fulfilling work for humans.

We help our clients achieve overall program efficiency, affordability, and competitiveness to ultimately develop and sustain a healthy, high-performing workforce.

Our services address the top issues employers of all sizes are facing to better meet employees' needs:

• Health benefits strategy and financial management
• Health care access, quality and affordability
• Integrated employee wellbeing
• Choice, personalization and employee experience

Strategy and financial management

Benefits strategy, design, subsidization and delivery must evolve to meet employers' strategic objectives, the needs of a changing workforce, and align with organizational values. We help you examine health care benefits in the context of your employee value proposition (EVP) and develop a strategy that is agile and responsive to the pace of change.

• We measure and analyze your health care data to understand your population health and to develop the right strategies and initiatives to support and achieve your health care goals.
• We evaluate your health plan's performance both nationally and in key locations to assess the opportunity and identify where gaps in value exist. Leveraging our market-leading carrier and vendor relationships, from placement of business, to claim handling, to general implementation, we research the availability of solutions based on your data, and determine the best solutions for your objectives and population.
• We also provide the metrics to help you drive improved performance and better results.

For multinationals, we bring all of this to bear in a global context — providing cost-effective advice and coordination, including brokerage services, on both a global and individual country level.

Health care access, quality and affordability

More employers are focusing on strategic health care delivery solutions to improve access and quality, and reduce cost, as well as create a more positive patient experience.

• We help you place greater emphasis on value-based arrangements through plan designs that encourage employees to utilize high-value services (quality and cost effectiveness) to maximize the value they receive from their health care benefit.
• We help you improve employee access to care through telemedicine, expert medical opinion programs and other care extenders, to enhance convenience and productivity in a cost-effective manner for both medical and behavioral health conditions.
• With pharmacy benefits becoming such a large component of health care cost for both employers and employees, we help employers take action to curb the cost of specialty pharmacy by focusing on delivery and site of care, utilization and price.

Integrated Wellbeing

Wellbeing initiatives are now a core part of a companies' benefit strategy and incorporate four key dimensions: physically thriving, emotionally balanced, financially secure and socially connected. Each dimension is both unique and intertwined with the others.

Wellbeing begins with the individual and, when achieved, extends throughout the organizational culture, the family and the larger community. For employers, wellbeing is the foundation for creating more engaged and more productive employees, contributing to improved, more sustainable business results — and a greater degree of work and career satisfaction for employees.

We help employers expand and integrate a wellbeing strategy across all four dimensions that is aligned with your Total Rewards strategy and your company culture that includes leadership commitment to wellbeing, inclusion and diversity.

We also help you design initiatives and a workplace environment that makes health and wellbeing the easiest or default option, as well as enhance navigation support and integration across all wellbeing dimensions.

Choice, personalization and employee experience

To address the different needs of employees, we help employers add choice and flexibility and enhance their members' experiences with their health and group benefits. We start by identifying the wants and needs of your workforce and assess your current benefit offerings to determine whether you offer enough choice, flexibility and personalization. We also work with you to evaluate our full spectrum of voluntary benefits and services to enhance and support your overall strategy.

Our goal is to help you lead health and benefits to attract and retain the right talent; achieve a healthier, more engaged workforce; deliver efficient, compliant, valued programs; and create an exceptional employee experience.

Our world is changing at unprecedented speed, with advancements in technology, shifting demographics and a changing workforce. The way we work and those we work with are changing too – bringing forth greater challenges to solve with less time. Yet we find ourselves at a unique crossroads, where diverse environments become the building blocks for broader thinking and innovation, and inclusive cultures invite an array of ideas and foster the safe environments in which to speak up.

To thrive in this changing world, organizations need to adopt a healthy company culture, where inclusion and diversity (I&D) is steeped in the talent experience, and employees bring their best selves to work – collaborating, ideating and helping to increase overall engagement, productivity, financial results and employee wellbeing.

Moving beyond legislative and regulatory requirements

Beyond legislative and regulatory requirements, fostering a healthy company culture is imperative. WTW can help you to create or enhance a culture and supporting programs that are built on mutual respect and trust, purpose and values, an inclusive and diverse work environment and a safe and secure workplace, where colleagues can experience a sense of self-respect, pride and self-worth (also known as workplace dignity).

Making inclusion and diversity an integral part of the talent experience and talent value proposition

Organizations that realize the true impact of an inclusive and diverse workforce have an opportunity to reflect on their current talent experience and overall talent value proposition. WTW helps organizations move far beyond compliance by taking a closer look at how it fosters inclusion and diversity efforts through the lens of purpose, work, people and total rewards.

We help organizations to answer the difficult questions about I&D:

• Purpose: Does my organization support inclusion and diversity efforts? Is I&D part of our mission and values? For publicly traded companies, is it part of our employee-support-group commitments and/or sustainability metrics?
• Work: Do fair career development opportunities exist for me? Does unconscious bias exist? Are teams diverse?
• People: Is the company attracting and retaining the right talent, particularly from crucial talent segments? Do I feel like I can bring my authentic self to work? Is it safe to speak up?
• Total Rewards: Does my company provide benefits – or access to benefits – to all segments of the workforce that “meet them where they are and where they want to go”? Does my company support fair pay programs and measures?

We can help you seize the opportunity to create a talent experience that not only meets your employees where they are today (through personalization, choice, flexible work arrangements and more) – but also helps you take them where they want to go tomorrow.

We advise our clients on the same strategies, cultural reinforcement and best practices for I&D that we are implementing as part of the WTW journey, with a recognition that the road continues. We can help you evolve and adapt along the way by:

• Conducting compensation and benefit program diagnostics and redesign, such as fair pay and pay equity analyses, as well as purpose-driven benefits, to help ensure inclusiveness in Total Rewards
• Leading workforce planning sessions and designing inclusive talent and succession programs
• Crafting and modeling the impact of policy changes and listening strategies and providing insights into employee engagement
• Leading I&D implementation with our expertise in change management and communication support

Be it through modernizing total rewards and benefits programs, enhancing integrated wellbeing or assessing future of work strategies, we believe that fostering healthy company cultures steeped in inclusion and diversity will have the greatest impact on today’s talent experience – and demonstrate a commitment to a shared purpose and empowerment of the workforce.

Contact us to learn more about how we can help you with your I&D strategy, approaches and programs.

We bring a unique combination of risk expertise and deep understanding of human capital and organizational culture to your deal. We draw on experience from more than 2,000 M&A and private equity transactions every year, as well as our proprietary research, to help our clients achieve both short- and long-term success.

Step 1: Pre deal

• M&A readiness
• Target identification
• Preparing to sell
• Project Management Office

Step 2: Due diligence and implementation planning

• Financial exposures
• Human resource (HR) exposures
• Deal terms
• Implementation planning
• Project Management Office

Step 3: Post deal

• Capturing synergies
• Workforce integration
• Risk and governance
• Defining and measuring success
• Moving to business as usual
• Project Management Office

All of our products and services are delivered by highly experienced professionals with a deep understanding of an organization's, people, culture and risk profile.

Experience, backed by our research, shows that successful transactions have two common themes:

• An early and intense focus on people issues
• A rigorous approach to risk management

Executives who rate their companies' deals as successful in meeting primary objectives, point to a clear emphasis on the importance of people issues and on bringing HR into the deal early. Within our research we see that these businesses are better at retaining critical workforce skills, measuring leadership, communicating and engaging with employees and building a culture that aligns with strategic goals.

When it comes to risk, avoiding the unexpected is essential. Identifying and managing risk early enables all parties to negotiate with greater certainty and confidence.

We continually review, refine and expand due diligence reviews of operational insurances — to help ensure those insurances are relevant and effective for the target, purchaser and lender. Our sector and local offices provide expertise that each review reflects the latest market position for the target's business and exposures.

Whether you're a corporate acquirer looking to achieve long-term strategic integration, or you're a private equity firm with a shorter investment time horizon, we will help you protect against downside financial risk. And we will work alongside you to create and implement winning strategies for talent and leadership management — critical factors when the maximum value of your deal will be found in people.

We are ready to work with you throughout your deal making journey and help you make your transaction a success.

Corporations strive to strike a balance between providing effective and competitive retirement programs while managing cost and risk. A well-constructed investment in the right benefit mix can give your organization the financial edge it needs to recruit and retain the best talent, while helping your employees build the retirement savings they need to become financially independent in retirement.

WTW combines expertise in investment, retirement and communication consulting to help organizations develop and manage retirement programs that meet their workforce needs.

We are the leading provider of retirement consulting and actuarial services to today’s global organizations, providing actuarial services to more of the world’s top 300 pension funds than any other company.

Our capabilities include:

• Retirement Plan Strategy and Design
• Actuarial Services and Support
• Retirement Plan Financial Management
• Governance and Compliance Strategies
• Risk Management
• Defined Benefit Pension Administration and Outsourcing

Our experts in financial wellbeing and defined contribution and our industry-leading consultants for all aspects of defined benefit plan management can help you develop retirement benefits that maximize outcomes for employees and achieve your business objectives.

New ways of working, shifting skill requirements and changing employment relationships are transforming the workplace. Are your total rewards keeping up?

Getting total rewards right can mean the difference between competing effectively in the global talent marketplace and being left behind. A consumer-grade total rewards portfolio of pay, benefits, wellbeing and career programs serves as a catalyst, driving attraction, retention and engagement of talent essential to your business success. Yet, in many organizations, total rewards are not evolving quickly enough to keep pace with the new world of work.

Identifying the forces reshaping the workplace

WTW helps organizations address the issues and trends that are reshaping the workplace and increasing the pressure on employers to modernize their total rewards:

• The digital transformation of the workplace, redefining how, where and by whom work gets done.
• The changing expectations of a multigenerational workforce that values transparency and a personalized, consumer-centric talent experience.
• New legislative and regulatory developments that are driving changes in areas such as pay equity and the broader inclusion and diversity agenda.
• An urgency to deliver an improved ROI.

We can show you how to take these factors into account in the design and delivery of your total rewards strategies and programs.

Building a differentiated total rewards portfolio

The following levers can help you build a total rewards portfolio that sets your organization apart from the competition:

Think strategically. Because it takes more than compensation to motivate and engage talent, leading organizations think strategically and incorporate all total rewards components – pay, benefits, wellbeing and careers – into their offerings.

Take a future-focused approach to rewards. In a fast-paced, agile work environment, organizations need to focus on rewarding talent with skills critical to their future success. This also involves identifying reskilling pathways for individuals whose work will be affected by automation and who have the potential to acquire new skills.

• Understand what workers value. Insights from segmentation and survey analytics enable organizations to understand the rewards that key talent groups – including contingent workers – value most and to develop programs tailored to meet their needs.
• It’s also essential for employers to recognize employees’ heightened expectations around pay fairness and transparency in how reward decisions are made and communicated.
• Deliver a consumer-grade experience. Today’s employees increasingly expect to be treated like consumers in the workplace. When it comes to total rewards, this involves making savvy use of technology to provide more choice, flexibility and personalization.

• Measure cost and impact. Given the significant investment organizations make in total rewards programs, it’s crucial to have an accurate measure of financial return as well as impact on employee attraction, retention and engagement.
• Organizations who see the value of more sophisticated analytics can use tools such as total rewards optimization to measure the proportion of spend on key talent segments and assess which rewards have the biggest impact on employee attitudes and behaviors. This approach helps avoid the risk of investing in the wrong programs.
• Prioritize inclusion and diversity. It’s critical for employers to develop a formal inclusion and diversity framework so that total rewards programs can better meet the needs of a diverse workforce and promote an inclusive culture.

These measures will guide your organization in developing a differentiated total rewards portfolio, thereby enhancing your ability to compete for high-value talent.

WTW is committed to helping your organization build and deliver total rewards programs that bring the highest possible value to your key talent groups at the most economical level for the organization.

What is integrated wellbeing?

Wellbeing is not an isolated program or initiative. Wellbeing is purpose-driven and woven into the fabric of an organization’s values and the employee experience. It is inextricably linked to a myriad of policies, programs and benefit offerings as well as to desired culture, productivity improvement, longer-term organizational talent retention and sustainability of business results.

4 key dimensions of wellbeing

Integrated wellbeing incorporates four key dimensions:

• Physical wellbeing: To thrive physically means understanding and managing one’s health, taking appropriate preventive measures, improving health status where needed, managing chronic conditions, navigating and recovering from an acute illness or unexpected injury and successfully returning to peak functionality at home and at work.

• Emotional wellbeing: Being emotionally balanced means being self-aware, maintaining good mental health, being resilient by managing stress, coping with positive and negative emotional triggers, dealing with life crises and maintaining stability through illness or injury.

• Financial wellbeing: Achieving the state of being financially secure means having the ability to manage budgetary commitments, meet financial goals, protect against risks, save for contingencies or future needs like college or retirement and cope with financial shocks.

• Social wellbeing: Social wellbeing is about being connected by understanding how to interact well with others by accepting diversity, being inclusive, knowing how to support and collaborate with others, being able to successfully resolve conflicts and adapting to change. Being connected applies across one’s family and friends, one’s workplace and the larger community.

Each dimension is unique and intertwined with the others. Integrated wellbeing begins with individuals and, when achieved, extends throughout their organizations, families and the larger community.

The business value of wellbeing

Willis Towers Watson research reveals that organizations with higher levels of wellbeing achieve better business outcomes; higher levels of employee engagement, improved revenue, greater customer satisfaction and fewer safety incidents. Employees who are physically thriving, financially secure, emotionally balanced and socially connected are more engaged and productive.

Employers remain committed to wellbeing programs and are moving to a more comprehensive approach focused on physical as well as financial, emotional and social wellbeing, thereby demonstrating their commitment to meeting diverse employee needs and providing a differentiated employee value proposition.

How we help clients unlock the business value of wellbeing

We help clients develop an integrated wellbeing strategy across the four dimensions to help shape their employees’ experience. As a result, companies realize a healthy workforce culture that’s aligned with overall organizational goals and the company’s TVP.

Our approach starts by setting clear objectives for your wellbeing initiatives that leverage your company’s assets, brand and value. Then, we measure wellbeing, tying results back to your purpose and vision.

We work with clients to:

• Connect the four dimensions of wellbeing
• Entrench wellbeing in your business culture and acumen
• Put employee wants and needs at the center of the employee experience
• Put the employee experience at the heart of the TVP
• Nudge, do not judge
• Leverage technology
• Move on from financial incentives
• Use the workplace environment to promote healthy behavior

We help clients create differentiated strategies and tactics to better engage employees and motivate behavior change that ultimately reduces longer-term health care costs, increases savings and enables employees to bring their best selves to work.

Unpredictable times require bold thinking, and our world-class analytic consulting group challenges norms and is dedicated to improving client outcomes.

We are a top-tier risk consulting group that leads through precise analysis that incorporates quantification, technology and subject matter expertise.

Our global team is wholly dedicated to improving client outcomes, drawing from expertise that includes technologists, actuaries, forensic accountants, engineers, and claims and captive experts, who deliver a fully integrated approach to your consultative needs. We complement our deep understanding of specific client needs with a holistic analysis that adds value through a portfolio risk strategy; and remarkable innovation that automates risk quantification to deliver a financial approach to all clients.

Innovation makes it possible for us to help minimize our clients' volatility and improve profitability. Your business is a successful and sustainable enterprise, not a collection of insurable risks, and our team finds opportunities to improve your outcomes.

Our proprietary, leading-edge technology enables us to engage you in innovative ways — identifying patterns and discovering hidden value in your risk portfolios.

We approach every engagement differently to accommodate each client's unique needs, but our capabilities include:

• Alternative Risk Transfer: tailor-made risk financing solutions are a key response to some of the limitations of traditional insurance markets and provide access to different forms of capital.
• Actuarial Services & Reserving: actuarial consulting for reserve reviews, captive feasibility, and loyalty program advice
• Captive Management Services: captive insurance program management including domicile selection advice
• Claims Services: complex claim resolution, claims closure acceleration, business interruption reviews, claims audits, etc.
• Climate Risk Quantification: innovative scenario modeling, identification of new potential revenue streams, and a structured approach to financial disclosure and TCFD reporting
• Enterprise Risk Services: continuity management, enterprise risk management
• Forensic Accounting: preparation, quantification, and resolution of large and complex claims as well as pre-loss planning and the calculation of business interruption values
• Risk Engineering Services: risk control, catastrophe modelling and consulting
• Risk Quantification and Optimization: predictive modeling of risks on a mono-line or portfolio basis, risk tolerance and appetite development, and program optimization
• Workplace Services: pre/post loss consulting including medical cost containment and ergonomics

The insurance business is going through a time of transformational change. WTW provides a powerful combination of advisory services for insurance companies, integrated with leading-edge technology solutions and software, all underpinned by unparalleled analytical capability.

Innovate and transform insurance together

At WTW we help clients measure and manage risk and capital, improve business performance and create sustainable competitive advantage. We do this by working collaboratively as a single team, across geographies and consulting and technology disciplines. Our professionals apply advanced analytics and draw on expertise in key areas such as financial and regulatory reporting, mergers and acquisitions, products, pricing, business management, distribution, operational management and strategy.

We constantly innovate, disrupting ourselves and competitors to deliver offerings that specifically address insurance business needs. Our goals are providing significant value to clients and helping drive their success. We leverage the power of WTW and our unique combination of deep insurance knowledge, leading-edge technology and our unified global presence to support clients in four main areas:

Risk and Capital Management

Together, our consulting expertise and market-leading financial and capital modeling software offer clients seamless, compelling and practical solutions to meet regulatory requirements and improve business performance.

Strategy and Growth

We provide targeted consulting and technology solutions that address both enterprise-wide and functional insurance challenges, to help clients to fix, grow or transform their businesses. Crucially, our solutions are commercially robust, pragmatic and flexible.

Technology

WTW's technology team and insurance consultants work together seamlessly to help clients maximize the benefits of solutions that combine our leading-edge thinking with the latest technology.

Operational Effectiveness and Profitability

Working across the insurance value chain, we apply proven techniques and technologies to help clients transform and streamline operational processes. We maximize returns by reducing costs, supporting revenue growth and releasing trapped capital.

A long-time market leader, our environmental practice provides environmental insurance expertise, specialized market knowledge, technical support and claims advocacy services.

Our environmental risk experts and brokers help clients design, negotiate and deliver competitive risk management insurance programs with carriers matched to each client's risk and exposure profile. This customized approach is achieved while providing favorable terms, competitive pricing and a solid platform for negotiating settlements for difficult claims.

We are a pioneering insurance brokerage group dedicated to the field of environmental liability that has the necessary knowledge base and breadth of experience to understand and anticipate the particular environmental risks of each business.

We serve thousands of clients worldwide ranging in size from midsize organizations to multi-billion dollar global businesses operating in multiple industries, including:

• Chemical manufacturing
• Commercial real estate
• Contaminated site redevelopment
• Contracting
• Construction
• Energy
• Financial institutions
• Health care
• Utilities
• Waste disposal

Our team can identify and assist in the quantification of exposures through our assessment and analytical tools, help mitigate their financial impact, assist in developing risk control practices, prudent risk transfer, and alternative approaches to coverage.

Insurance now plays a more prominent role than ever before in environmental risk management. With relatively straightforward underwriting requirements, highly flexible products and realistic yet competitive pricing, there is no reason in today's market to risk having an uninsured environmental loss.

Organizations face changing litigation and regulatory landscapes. There is a growing reliance on technology, with advantage going to early adopters and to companies that can identify an opportunity before their competitors have time to act.

But with each opportunity comes risk. And risk is a recurring theme at board-of-directors level, with complex, multidisciplinary risks challenging companies like never before. It means that protecting yourself and your organization is critical.

We have extensive experience in the financial, executive and professional risk areas. Our specialist global teams have the industry experience to provide insights into your risk profile, identify bespoke solutions and use the global insurance marketplace to deliver tangible value to our clients.

Our experts act on behalf of organizations that range in size from small and midsize organizations to global conglomerates and government institutions. Going beyond traditional boundaries of insurance products and risk management, they deliver services that help make our clients more efficient and more strategic.

These are some of the practice areas we work in:

• Directors and officers liability (D&O)
• Professional liability/errors and omissions (E&O)
• Cyber
• Employment practices liability (EPL)
• Fiduciary
• Fidelity/crime
• Mergers and acquisitions
• Claims advocacy
• Risk and analytics
• Financial and executive risk intelligence