How is casualty risk changing?
- Casualty risks are constantly evolving and expanding in scope, with emerging risks shaped by many factors, from legislation and technology to inflation and social trends.
- A change in policy or regulation can redefine liability and leave your business facing new exposures, potentially large claims, long-tail liabilities or attritional losses.
- Staying ahead of these trends and understanding how they could affect your business, while managing traditional casualty exposures, is a growing challenge.
How can we help you manage your casualty risks?
Our casualty specialists can help you better understand the risks you face and find the most effective, efficient solutions to protect against them. We’ll help you:
- Identify your potential risks and liabilities, now and in the future
- Map your insurance to meet your actual exposures
- Get better terms and pricing from insurers
- Find the right blend of risk transfer, risk retention and mitigation
Our insurance policy wording specialists have deep expertise in markets around the world. They’ll help you navigate the nuances of local legislation, languages and cultures, ensuring that you get the cover you expect in each jurisdiction.
Improving your risk profile through casualty analytics
Our data and analytics team can customize risk models to account for the specific parameters of your business. We’ll use these models to run granular analyses of your loss history and exposures.
The data we generate can enable you to:
- Restate your loss experience to give a more accurate picture of current risk
- Model future risk based on a wide range of scenarios and outcomes
- Make better, more informed risk management decisions
Based on the results, we can provide an indication of what your premium could look like, which can help us have more informed conversations with your insurers to help achieve better results.
How our global approach optimizes your casualty risk spend?
Our brokers are specialists in placing risks that are becoming harder to insure or are too large or complex to place in local and traditional markets.
Working as one global team, we give you seamless access to international insurance capacity through our network of placement hubs in London, Bermuda, Miami, Shanghai, Dubai, Madrid, Singapore and Hong Kong.
We share skills, expertise and knowledge across borders, leveraging our strong market relationships, analytical tools and follow-on facilities such as Gemini to deliver the optimum cover, terms and pricing on every placement.
Drawing on our expertise in insurance broking, we can also help you structure innovative placements to deliver capacity on competitive terms.
Types of casualty insurance we broker
We will work with you to secure cover for:
- General liability
- Product liability
- Umbrella and excess liability
- Construction wrap-ups (owner controlled insurance programs and contractor-controlled insurance programs)
- U.S. auto
- Clinical trials
- Product recall
- Environmental impairment liability
- Reputational risk insurance
We can also advise on risk transfer alternatives such as captives and parametric solutions to meet your specific needs.
A range of casualty risk management solutions
Our client service team work hard to streamline processes and ensure you get the documents you need, from policies to slips and invoices, when you need them.
We also provide a range of additional services to support your risk management strategy, including:
- Exposure analysis, including casualty risk heat maps
- Limit purchasing and risk retention analysis
- Risk financing strategy support
- Insurance program design
- Policy form comparisons
- Forensic accounting
Disclaimer
WTW hopes you found the general information provided here informative and helpful. The information contained herein is not intended to constitute legal or other professional advice and should not be relied upon in lieu of consultation with your own legal advisors. In the event you would like more information regarding your insurance coverage, please do not hesitate to reach out to us. In North America, WTW offers insurance products through licensed entities, including Willis Towers Watson Northeast, Inc. (in the United States) and Willis Canada Inc. (in Canada).
Value Proposition
Why choose our casualty insurance services?
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Global Insurance Marketplace Insights Q1 2026 – Property & Casualty
