Risk Management      Business Protection      About Gallagher     

30 January 2026

Why a broker is your best defence against hidden insurance gaps 

Choosing the right insurance shouldn’t be a guessing game. That’s why partnering with Gallagher gives you the confidence to ensure you’ve got the right protection for your business.

Insurance isn’t just a box to tick. It’s one of the most important investments your business makes. But without expert guidance, it’s easy to end up with gaps in your cover that only become visible at claim time. Partnering with a Gallagher broker gives you clarity, confidence and protection made to withstand the unexpected.

Keeping pace with change

Businesses of all sizes face evolving risks. Insurers regularly update their underwriting process, adjust exclusions, or tighten policy wording, often without highlighting how these changes affect your protection. A policy that offered you comprehensive protection last year may leave you exposed today.

Gallagher brokers stay ahead of these changes. We analyse how changes in the market affect your cover, assess emerging threats, and adapt your insurance coverage as needed. With our global reach combined with local expertise, we help you stay protected in an ever-changing environment.

Advice tailored to your business

A broker’s expertise can make all the difference. Our brokers take the time to understand your business, your industry, and the risks that matter most to you. Through comprehensive risk assessments we ensure every part of your insurance cover works together seamlessly, giving you confidence that your business is protected from every angle.

For many organisations, the biggest risks are the ones they don’t see coming. We help identify risks you may not have considered, whether they stem from regulatory obligations, business interruption, cyber threats or even legal liabilities. Furthermore, if your business operates in a specialised sector, we can tailor solutions that standard policies simply don’t offer. For example, our SMARTpak policies include built-in underinsurance protection, addressing real-world risks that often go unnoticed.

When broker expertise matter

Your business can benefit from broker expertise if your face challenges such as:

• industry regulations you must meet.
• multiple risk areas across different operations.
• potential legal liability for errors or advice.
• uncertainty about exclusions, limits, or policy wording.
• concerns about receiving a fair payout at claim time.

If you’re not completely confident in what your policies cover, you shouldn’t leave it to chance. We translate everything into clear, practical guidance so you know exactly what protection you have and where improvements can be made.

Advocacy when it matters most

Gallagher’s global network and long-standing insurer relationships give us strong negotiating power. This allows us to secure competitive premiums, broader cover options and policy terms that aren’t available to businesses going direct.  We compare policies, negotiate on your behalf, and package your insurance into a streamlined solution with one renewal date for maximum convenience.

Then if you need to make a claim, we don’t leave you to deal with insurers alone. We act as your advocate, guiding you through the process, managing the details, and pushing for the best possible outcome. Our dedicated claim support is a core part of the Gallagher Advantage, ensuring you’re backed by a team that stands with you when it matters most.