MANAGING RISK

How will today’s decisions look a decade from now?

Guy Carpenter has provided reinsurance brokerage services since 1922 and continues to serve some of the firm’s original clients. One of the roles we play for all our clients is helping them anticipate and navigate change.

Reinsurance in a strategic context. Our conversation begins with client goals and challenges. We work to understand your broad financial landscape before making recommendations for a specific solution. We explore potential opportunities as well as the challenges at hand – and those that may be lurking on the horizon. Then we work through the data – oceans of it – and by combining it with the industry’s most sophisticated analytics, develop a comprehensive view of the risk and the best way to transfer it in line with your goals and objectives.

A superior result is our business model. New clients are often surprised by the depth of the team we assign to their business. We bring expertise from wherever it resides, whenever it is needed, regardless of our client’s size or geographic footprint: Every client gets the A Team every time.

The best information, when it's needed most

The Guy Carpenter Analytics group helps you anticipate and respond to catastrophic events in real time.

Modeling your portfolio. With an unbiased and longstanding history of using catastrophe models to help our customers make strategic decisions about retaining, mitigating, and transferring risk, we evaluate data and the models, explain divergent model answers, and offer alternative approaches to ensure our customers are the best informed.

GC RealCat* leverages real-time weather and earthquake event tracking to anticipate how an event may affect an insurer's portfolio and help efficiently manage cat response deployment. *patent #7,949,548

CAT-i & RISK-i Reports consolidate the best available information on natural and man-made events likely to result in significant losses. They summarize the situation, map the impact, provide damage estimates and track the flow of claims.

Guy Carpenter Specialty Practices

  • Agriculture

    Guy Carpenter’s Agriculture Specialty practice develops comprehensive reinsurance solutions for agriculture risks worldwide, helping clients quantify exposures and manage portfolios for profitability.

    The practice includes coverage for growing crops, forestry and plantations, livestock and animal mortality, aquaculture and related enterprises. The susceptibility of crops to weather-related perils calls for sophisticated modeling solutions to quantify the risk from these perils. In addition to quantifying weather risks from a reinsurance perspective for clients, Guy Carpenter also assists clients with underwriting and pricing tools that help maximize the profitability of their primary portfolios. Where models are insufficient, or lacking altogether, we have developed our own, including a proprietary fund allocation model and an intra-season predictive model for the U.S.

    The Agriculture specialty is also actively involved in collaborating with academic institutions to develop innovative and efficient risk transfer tools for the farming community worldwide.

    Guy Carpenter’s tool suite enables us to estimate losses for agriculture books of business, and model risks in creative ways, which in turn enables the development of better reinsurance solutions for our clients.

    To learn how we can help you improve the performance of your agriculture portfolio, please contact:

    • Ralph Bone
      Global Specialty Leader
      Minneapolis
      P: +1.952.920.3300
      E:Ralph.G.Bone
    • Jim Christianson
      U.S. Specialty Co-Leader
      Minneapolis
      P: +1.507.537.1924
      E: Jim.Christianson
    • Mark Lenhart
      U.S. Specialty Co-Leader
      Minneapolis
      P:+1.952.832.2226
      E: Mark.Lenhart
    • James McCarney
      Managing Director
      Toronto
      P:+1.416.979.0123
      E: James.R.McCarney
    • EMEA
      Nuno Meira

      Vice President
      Agriculture Specialty
      Barcelona
      P:+34.93.494.8228
      E: Nuno.Meira
    • EMEA
      Timothy Martin

      Managing Director
      Agriculture Specialty
      London
      P:+44.20.7357.3868
      E: Tim.Martin
    • Peter Book
      Managing Director
      Sydney
      P:+61.2.8864.8533
      E: Peter.Book
  • Aviation and Aerospace

    Guy Carpenter’s Aviation and Aerospace practice is widely regarded as one of the best in the world, delivering the most advanced technologies – and vast practical experience.

    In a field where pilots’ expertise is measured by time in type, the Guy Carpenter team has hundreds of years’ experience in every category of flight coverage: balloon, light aircraft, corporate jet, airline, rotor wing, aerospace manufacturers, and satellites, both during launch and in orbit. Guy Carpenter’s unique scale, scope and specialization enable us to create bespoke reinsurance solutions for clients of any size, in any geography.

    Clients are supported by analytics and contract experts who also specialize in aviation. One-of-a-kind analytic engines are powered by the industry’s most comprehensive loss database and exhaustive aircraft-specific data, including usage, routing structures, passenger mix and valuations.

    To learn how our team’s unique experience can work for you, please contact:

    • Ian Wrigglesworth
      Specialty Leader and Managing Director
      London
      P: +44.20.7357.5225
      E: Ian.C.Wrigglesworth
  • Construction / Engineering All Risk

    Guy Carpenter's Construction/Engineering All Risk Specialty division delivers smartly structured capacity for all classes of engineering and contractor’s risks, worldwide.

    Our trademark combination of fresh thinking and deep experience in every market has made our team a first choice for start-ups as well as industry leaders around the world. Our London-based team builds both traditional and innovative solutions for single project and annual policy exposures. We place a full spectrum of treaty reinsurance programs, specifically tailored for each individual client, including excess of loss and pro rata treaties in addition to facultative support when needed.

    Advanced engineering modeling tools and analytical skills provided through GC Analytics® have enabled us to develop an enhanced understanding of engineering and construction project risks over time.  Exposure outputs from these tools can be utilized by catastrophe models and other financial tools to spotlight precisely the effect reinsurance can have on capital (economic, regulatory, Lloyd's RBC) and illuminate the impact that various reinsurance structures can have on underlying pricing, profitability, and risk.

    To learn more about how our forward-looking solutions can work for you, please contact:

    • Simon Hayes
      Specialty Leader
      Managing Director
      London
      P: +44.20.7357.2019
      E: Simon.Hayes
    • Nick Wright
      Managing Director
      London
      P: +44.20.7357.2265
      E: Nick.Wright
    • Amir Mirfenderesky
      Senior Vice President
      London
      P: +44.20.7357.2396
      E: Amir.Mirfenderesky
  • Credit, Bond, and Political Risk

    Guy Carpenter’s Credit, Bond and Political Risk practice is a global leader in these classes. The team has over 100 years combined experience advising a global client base, providing vital support through the fluid landscape and uncertainties of established and emerging markets.

    Our clients benefit from our unique market awareness, born of continuous dialog with all international reinsurers. Guy Carpenter is itself organized for client benefit, with critical know-how shared across every Guy Carpenter office worldwide. We deliberately spread our renewal dates throughout the year, so every client enjoys our complete attention. We pride ourselves on providing genuine value added service to our clients.

    Our specialized knowledge, analytic skills and largest market share provide our clients with superior reinsurance intermediation, giving them the confidence they need to grow in a volatile environment. We engineer one-of-a-kind solutions for each client, calibrated exactly to business goals.  Through our diverse backgrounds we deliver innovative risk management and capital relief solutions to our clients. We have a long list of satisfied clients for whom our innovative and bespoke product designs have proved optimal. We would be happy to provide you with their contact details for reference purposes.

    To learn more about how Guy Carpenter can help you thrive in a dynamic environment, please contact:

    • John Orchard
      Practice Leader
      Managing Director
      London
      P: +44.20.7357.1180
      E: John.Orchard
    • David Edwards
      Managing Director
      London
      P: +44.20.7357.1102
      E: David.Edwards
    • Stephen Balderston
      Senior Vice President
      London
      P: +44.20.7357.2969
      E: Stephen.Balderston
    • Gregory King-Underwood
      Vice President
      London
      P: +44.20.7357.5118
      E: Gregory.King-Underwood
    • Seamus Kerr
      Vice President
      London
      P: +44.20.7357.2884
      E: Seamus.Kerr
  • Cyber Solutions

    Guy Carpenter’s Cyber Solutions Specialty team helps our clients position themselves for years of profitable growth in this relatively young market.

    Guy Carpenter has pioneered and expanded cyber liability solutions since 1999. Our comprehensive knowledge of the space, its market dynamics, and our diversified client base within it, enable us to assist our clients at every phase of product development and reinsurance placement. We can help you add cyber coverage to your existing product suite through our relationships with best-in-class third-party providers, and meet the challenges of obtaining comprehensive reinsurance coverage for a systemic event. Our MetaRisk® capital modeling tool has been customized to consider the systemic and attritional loss exposures inherent in cyber liability.

    We have assisted in placing standalone cyber liability treaties for mature portfolios and created innovative solutions for regional and mutual carriers. Guy Carpenter’s industry-leading database helps clients understand probable losses in their growing cyber risk portfolios – and price their changing exposures with confidence.

    To learn more about how we can help you achieve profitable growth in this expanding arena, please contact:

    • Mike Brown
      Co-Cyber Solutions Practice Leader
      New York
      P: +1.917.937.3033
      E: Mike.Brown
    • Jeremy Platt
      Co-Cyber Solutions Practice Leader
      New York
      P: +1.917.937.3002
      E:Jeremy.S.Platt
    • Carolyn Morley
      UK Cyber Solutions
      London
      P: +44.20.7357.2733
      E:Carolyn.Morley
    • Morley Speed
      UK Cyber Solutions
      London
      P: +44.20.7357.5271
      E:Morley.Speed
  • EMEA Casualty

    Within EMEA, Guy Carpenter handles a wide range of Casualty business including Motor, Employers' Liability/Workers Compensation Act (EL/WCA), General Third Party Liability (GTP), Professional Indemnity, Directors & Officers (D&O) as well as highly-specialized classes such as Environmental Insurance Liability (EIL), Cyber Liability, Warranty & Indemnity and Products Guarantee.

    Whatever the class of business, the teams at Guy Carpenter are consistent in providing clients with:

    • Focus on value (economic or regulatory)
    • Informed and meaningful modeling
    • Clear articulation of options and their implications
    • State-of-the-art technical advice
    • Wide-ranging and deep market knowledge

    Working with our clients in a collaborative way, we empower them to make optimal decisions for their business.

    Casualty business within EMEA is conducted in three teams:

    • Carolyn Morley
      Global Casualty
      London
      P: +44.20.7357.2733
      E: Carolyn.Morley
    • Ian Kerton
      UK Casualty
      London
      P:+44.20.7357.1585
      E: Ian.Kerton
    • Georg Fuelles
      Continental European Casualty
      Zurich
      P: +41.44.285.93.36
      E: Georg.Fuelles
  • Environmental Liability

    Guy Carpenter’s Environmental Liability specialty practice helps our clients succeed by reducing reinsurance costs, managing risks – and connecting with new customers.

    Customized solutions help Guy Carpenter clients differentiate themselves to reinsurers in a crowded marketplace, thereby realizing better pricing and terms. In addition to customized representation, Guy Carpenter is also innovating reinsurance design. For example,  our revolutionary reinsurance structure streamlines recoveries, reduces ceded premiums and expands the available reinsurance market for our clients.  An exclusive environmental loss database and powerful analytics allow us to model an expanding range of risks, providing clients with a deeper understanding of their portfolios – and possibilities.

    Guy Carpenter’s unique market knowledge is a potent asset for carriers entering the environmental field; and our client base provides a global platform for those seeking to grow. We routinely facilitate partnerships that help our clients round out their product offerings and reach potential new customers.

    To learn how our team’s unique experience can work for you, please contact:

    • JD Horwitz
      Senior Vice President
      Minneapolis
      P: +1.952.820.1025
      E: James.Horwitz
    • Joshua Everdell
      Managing Director
      U.S. Practice Leader
      Norwalk
      P: +1.203.229.8805
      E: Joshua.W.Everdell
  • Excess & Surplus Lines

    Guy Carpenter’s E&S Specialty is a team of dedicated specialists that deliver E&S-specific business intelligence, customized market analysis and peer group data to help clients gain a competitive advantage and achieve profitable growth.

    The excess and surplus lines (E&S) insurance carriers in the United States provide an essential market for exposures that fall outside the standard market, especially the most hazardous risks and emerging perils. Guy Carpenter has been the leading E&S reinsurance broker in the U.S. for decades and our knowledge and experience in this market is unmatched. Guy Carpenter’s Excess & Surplus Lines Specialty Practice helps a wide range of E&S providers develop and implement innovative strategies to best underwrite and manage the unique high-hazard risks of this segment.

    The practice provides clients with dedicated sources of stable capital, including Guy Carpenter’s Umbrella and Property Facultative facilities. We also deliver integrated point-of-sale underwriting capabilities and growth analysis. With Guy Carpenter’s Rating Advisory team, our practice will provide guidance and solutions that address all A.M. Best and BCAR-related issues now facing clients.

    To learn more about how the Guy Carpenter E&S Specialty Practice is uniquely positioned to provide E&S insurers with the strategic advice they need to reach their full growth and profit potential, please contact:

    • William M. Allen
      Excess & Surplus Specialty Chairman
      Atlanta
      P: +404.926.1801
      E: William.M.Allen
    • Urban Koagedal
      Managing Director
      San Francisco
      P: +415.984.2835
      E: Urban.Koagedal
    • Laura Hewitt
      Senior Vice President, CPCU
      Atlanta
      P: +404.926.1806
      E: Laura.Hewitt
    • John Harrison
      Managing Director
      Atlanta
      P: +404.926.1816
      E: John.Harrison
  • General Liability, Umbrella & Casualty Clash

    Guy Carpenter’s Casualty team possesses the technical sophistication and market savvy to create value for our clients wherever they choose to do business.

    Guy Carpenter has a profound understanding of how different casualty lines and markets behave. We equip our clients with both the granular knowledge and strategic insights they need to manage capital and achieve profitable growth. Our broking and actuarial specialists are the most technically proficient in the field, with unmatched success in structuring complex casualty transactions. We can provide:

    • Market information to help evaluate emerging risks and opportunities
    • Aid to clients in restructuring their portfolios
    • Subject Matter Experts that provide market and regulatory intelligence
    • Reinsurance solutions across a wide array of products – GL, AL, Motor Liability, Auto Carve Out, Excess, Umbrella, Environmental, International Primary and Excess Liability
    • Market leading analytics to ensure sophisticated management of casualty portfolios

    To learn more about how our Casualty specialists can help you realize your business goals, please contact:

    • Josh Everdell
      Managing Director
      U.S. Practice Leader
      Norwalk
      P: +1.203.229.8805
      E: Joshua.W.Everdell
    • Carolyn Morley
      Managing Director
      International Casualty Leader
      London
      P: +44.20.7357.2733
      E: Carolyn.Morley
    • Thomas Herde
      Managing Director
      Head of Casualty Specialty Practice Asia Pac
      London
      P: +44.20.7357.1511
      E: Thomas.Herde
    • Pat Girouard
      Vice President
      Umbrella & Excess Liability
      New York
      P: +1.917.937.3346
      E: Patrick.R.Girouard
    • Emil Metropoulos
      Senior Vice President
      Primary, Clash & Regional Casualty
      Norwalk
      P: +1.203.229.8817
      E: Emil.Metropoulos
    • Lee Dowgiewicz
      Senior Vice President
      Local, Regional & Facilities Liability
      Philadelphia
      P: +1.215.864.3767
      E: Lee.T.Dowgiewicz
    • JD Horwitz
      Senior Vice President
      Environmental
      Minneapolis
      P: +1.952.820.1025
      E: James.Horwitz
  • Life, Accident & Health

    Guy Carpenter’s Healthcare & Life Specialty team offers superior market knowledge and technical resources that have proven to be of tremendous value to our clients.

    The U.S. healthcare insurance environment is undergoing rapid and profound change. The implementation of the Affordable Care Act will subject payers and providers to a variety of new exposures and market challenges. New healthcare delivery models are also in vogue in an effort to coordinate care, improve quality, and reduce costs. Are you prepared for these developments?

    With the lines between coverages converging and new exposures emerging, Guy Carpenter’s Healthcare & Life Specialty Practice is singularly focused on this evolving and specialized market, and is committed to offering clients seamless and innovative coverage solutions across the health, healthcare, life and accident continuum.

    • Healthcare provider roles have been redefined, with coverage lines being blurred as they begin to assume financial risk as reimbursements shift from volume-based, to quality of care and pay for performance
    • Medical insurers are facing unprecedented changes, as they deal with shifting insured populations, rate compression and potential anti-selection
    • Specialty benefits insurers are reacting to tremendous potential changes in how benefits are sold and distributed to insured groups, schools, associations and consumers
    • Disability and Life insurers are facing increased competition and pressure on margins while exploring emerging products and new distribution channels including private exchanges

     

    We support all of our clients with world-class experts in the many risks that drive their business results. Our solutions, together with the world’s most advanced analytics, help clients face a rapidly changing risk landscape with confidence.

    To learn more about how we can individualize and localize solutions so efficiently, please contact:

    • Steve Underdal, JD, CPCU, ARe, RPLU
      Co-Specialty Leader, Healthcare
      Minneapolis
      P: +1.952.820.1030
      E: Steve.Underdal
    • David Rains
      Specialty Co-Leader, Life, Accident & Health
      Philadelphia
      P: +1.215.864.3600
      E: David.A.Rains
    • Franck Pinette
      European Life
      Par 500

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