A Guide To Our Products And Services - Lockton Companies
A guide to ourProducts and Services
A guide to our Products and ServicesERVICE AROUND THE WORLD1 2Welcome to the 2013 guide to the Lockton suite of products and services. The world of riskbecomes ever more complex, each and every year. Through this Guide, our goal is to helpyou find solutions to your needs, from the extensive resources available throughout Lockton.Commenced operationsin 1966Corporate HeadquartersKansas City, MO, USAInternational HeadquartersLondon, England, UK60 owned offices in 17 countries, withover 4,450 AssociatesNorth America, Europe , Middle East, AsiaPacific, Latin AmericaGroup Revenue 915millionLockton Companies LLP revenue 241million15,000 clients 17 billion Premium placedPrivate Ownership 90% ReinvestmentOver 10% annual organic growth since 2000Thank you for taking time to learn more about our business. We look forward to workingwith you.Largest Global Independently owned Broker95% Client Retention RateChairmanDavid LocktonGroup Chief ExecutiveJohn LumelleuauMike HammondCEO, Lockton InternationalGroup Chief Operating OfficerGlenn SpencerLockton Companies LLP CEOMike HammondWe are proud of the reputation we have established for developing ‘state of the art’ risk andinsurance programmes and delivering on our promises for all our clients. Our Associates,worldwide, stand ready to meet and exceed your expectations utilising our specialist localservices and global knowledge.Lockton employs more than 4,450 employees and delivers insurance, benefits and risk management servicesthroughout the world to businesses of all sizes, as well as individual clients. From its founding in 1966 inKansas City, Missouri, Lockton has attracted entrepreneurial professionals who have driven its growth tobecome the largest privately held broker in the world.SERVICE AROUND THE WORLD.SMSMStrategic Service PartnersLockton is the largest independent privately owned insurance broker, withexpanding Reinsurance operation.
A guide to our Products and Servicestable of contents-Lockton Service Proposal 01-02Lockton Global 03-04 - Professions, Cyber and Healthcare 05-22Aviation 23-26Cargo & Logistics27-30Claims 31-34Contingency 35-38Energy 39-42Employee Benefits43-46Financial Risks47-50Fine Art & Specie 51-54Global Casualty 55-58Global Property & Terrorism 59-62Kidnap & Ransom 63-66Lockton Re67-70Marine Hull71-74Political And Credit75-78Private Clients79-82Real Estate And Construction 83-88Risk Services 89-92Sports 93-95Motorsports 96-99Accident And Health 100-103Lockton Companies Australia Pty Ltd106-109Middle East and North Africa – LM and LIB110-115Norway116-1175 6
A guide to our Products and ServicesLOCKTON SERVICE PROPOSAL01 02Our clients are at the heart of our business model, not our shareholders. Our company has been builtaround its incredibly strong service culture. It is this culture, and our ability to invest for the longerterm, which helps us to achieve client retention rates of over 95%, against an industry average of85%, and Associate retention rates at a similar level.We never promote our teams away from clients, ensuring you have a stable, highly motivated andexperienced team working for you. Our approach is to tailor our service delivery to fit our clients’individual needs, rather than forcing you to fit in with pre-designed, inflexible, traditional structures.Our commitment to client service remains our number one priority and our characteristics of beingnimble, responsive and innovative is evidenced by our market-leading client and staff retentionrates. Lockton focuses on attracting and retaining talented insurance professionals who deliverextraordinary service and results for our clients.The Lockton Business ModelThe Lockton difference is achieved through a unique business model and service culture.PartnersClient ServiceBusiness Administration Relationship Strategy DeliverySole focus on servicedelivery Reducing burden on theclient teamNo other business Business processdistractions EfficienciesWithin Lockton there is no more senior position than that of managing a client relationship.All administration and running of the framework of our business is the responsibility of a Chief Operating Officer andsupport team. This allows our Partners, client service & broking teams to enjoy high levels of stability and continuity,whilst being free to dedicate themselves to and focus upon the needs of our clients.
A guide to our Products and ServicesLOCKTON GLOBAL03 04Our service strategy for all multinational clients is driven by an over-riding objective: to providethe highest quality and most consistent service on a global basis. Across Lockton, we currentlyhave more than 500 global clients, managed in over 100 countries worldwide. Handling theinternational needs of our clients is part of the day-to-day business within Lockton.Lockton is now the world’s largest independent, privately owned global insurance broker with over4,450 professionals working throughout North America, Europe, Latin America and Asia.In 2012, Lockton formed a new limited liability partnership, “Lockton Global LLP” and we invited29 other independent, privately owned insurance brokers to become legal Partners in LocktonGlobal LLP, to provide international service for our clients, in those territories where Lockton isnot represented.The majority of our Partner Brokers have worked with Lockton and our international clients forover 15 years and are typically the larger independent brokers in their respective territories, eachresourced to provide a full array of risk management and consultancy services with the necessaryinfluence in their local marketplace.Lockton Global therefore gives Lockton the ability to service clients in over 100 countries.The Partners have all agreed to work to Lockton’s client service guidelines to ensure we haveconsistent levels of service and performance worldwide. The relationship with our Partnersworks both ways: we service our Partners’ accounts and they service our accounts, itsmutually beneficial.“By acting in Partnership, we deal with each other because we want to, notbecause we have to. Each client becomes our own.”For details about our international service proposition and our worldwiderepresentation please contact Mike Goudime at michael.goudime@uk.lockton.comDirect Telephone: 44 (0) 207 933 26795 6
A guide to our Products and ServicesProfessionsProfessions, Cyber & healthcareThe Lockton International Professions Division now incorporates over 50Partners and Associates dedicated to servicing the needs of their clients,and placing over 250m of premium into the Global insurance market.The client base is very diversified both in industry and Geography. Withregard to Professional Liability coverage the clients include Architectsand Engineers, Law firms, Surveyors, Accountants, IndependentFinancial Advisors, Insurance Brokers, and other Professional Servicefirms. The Cyber clients include industries such as Technology,Entertainment, Financial Services, retail and Healthcare. WithinHealthcare, solutions have been provided for individual practitioners,clinics, assisted living facilities, large acute care hospitals andmultinational care homes.Specialists within the Division provide proactive advice to our clients thatmanage their exposure’s within their business with flexible, uniquesolutions.05 06
A guide to our Products and Servicesarchitects & engineersarchitects & engineers07 08Understanding our clients’ business is at the forefront ofour commitment to service. This, coupled with ourunrivalled global market relationships enable us to makethe risk assessment and risk transfer process trouble freeand transparent.Our sole focus is to deliver tangible business results thatour clients can feel and measure – it’s what we areall about.To achieve this we are a strategic partner to our clients’businesses. We have invested in a team of people whounderstand the design and construction industry, who cananticipate and respond to the needs of sophisticated globalclients and, most importantly, we invest the time to get toknow our clients and their business.We understand that every enterprise operates within aunique set of circumstances and confronts its ownchallenges. We continuously invest the time and resourcesto engage with our clients, listen to their concerns, helpthem to challenge their risk assumptions, identify andevaluate emerging risks. Our proactive approach ensuresthat we have a thorough understanding of our clients’business values, what differentiates them from their peerswithin the design and construction profession, theirhistory and aspirations. We appreciate the complexrelationships and tensions that can exist between ourclients, their principals and contractors and we help ourclients to foster long term relationships with insurers,which can prove invaluable when negotiating contracts andthe scope of insurance coverage.This level of understanding allows us toanticipate and implement risk transferand risk management strategies, whichwill best serve our clients, includinginsurance protection and representationwhich: Is responsive to their business,geographical and regulatoryenvironment Positively differentiates them withintheir peer group Clients look to us for help, support andadvice on a range of broader issues theyface, which may include: Rewards their risk managementinvestment and ensures that it ishaving worked on or currentlyrepresenting 50% of the Top 20 ENRdesign firms and 50% of theEngineering Top 25 NCE100 Firms. Also,we are privileged to act for more than1,500 architectural, engineering andconstruction clients, including some ofthe largest and most iconic EPC andarchitectural firms in the world.Introducing and buildingrelationships with the right insurerpartner’s Large self insured retention andcollateral analysis In-depth contract reviewsCustomised insurance and riskcontrol services for specific projectsreflected in the premiums they pay.Our depth of experience extends toOwner/Contractor controlledInsurance Programmes Affords local expertise wherever theyare in the world Productsor ventures Environmental/pollution expertiseHighly experienced actuarial resourceInsurance captive advisory serviceBenchmarking of experience andpolicy limits. Global ComplianceBespoke Coverage.
A guide to our Products and Serviceslaw firmsLAW FIRMSLaw firms and their practicing partners face complex riskmanagement issues in a profession which iscontinually challenged by the evolving needs of theirclients, the global economy and regulatory environmentsin which they operate. As these challenges develop, soour law firm clients demand a strategic risk advisor whounderstands the inherent and emerging risks within theirprofession and who can provide the expertise and globalpresence to offer them innovative thinking and solutions.We are privileged to act for more than 1,400 individuallaw firms, including 26 of the top 100 law firms in the UK(including 10 of the top 50 and 2 of the top 25).Our depth of experience translates into us havingrepresented over 25 of the top US AM Law 100, the HongKong Law Society and the Law Society of Singapore.The continuing partnerships we have forged with theseclients have been made possible because they recogniseand value our collaborative approach, our geographicalreach, knowledge of the profession and capacity to provideresourceful risk management and risk transfer solutions.We pride ourselves on our ability to offer efficienttransactional capabilities. These include advice regardingappropriate insurer partners, fostering client - insurerrelationships, advice regarding cost efficient, creativeinsurance programme structures, advocating on behalf ofour clients for ‘best in class’ policy terms and conditionsand contentious claims matters.09 10Clients look to us for help, support and advice on a range ofbroader issues they face: Practice risk reviewsBenchmarking of claims experience and policy limitsSelf-insured retention analysisNetwork/Vicarious liability solutionsAsset protection for partners and dependantsMerger & acquisition due diligencePrivacy liabilityData & network security liabilityHighly experienced actuarial resourceInsurance captive advisory serviceRisk management & Loss Prevention.What This Means To YouWith an experienced team of specialists, we offer our clients apartner with an enviable depth of understanding and expertisewithin the risk management and insurance broking arena forlaw firms.
A guide to our Products and ServicesProfessionsIndependent Financial Advisors/Insurance BrokersWhilst Professional Liability has become a mainstream commercialinsurance product and in some instances may be classed as a‘commodity’ purchase we, at Lockton International, maintain thatprofessional commercial buyers of this coverage require specialists in thesector and for this reason we have a team that act’s exclusively for theIndependent Financial Advisors and Insurance Broking communities.The markets for this sector are also specialized, and this particular lineof coverage faces unique challenges, so focusing expertise within thisarena produces tailored products and results for our clients, which rangefrom sole practitioners, to large national networks and firms.11 12
A guide to our Products and Services13 14Key ContactsE J Hentenaar - PartnerKevin Culliney - PartnerT: 44 (0)20 933 2536T: 44 (0) 207 933 2692E: ej.hentenaar@uk.lockton.comE: kevin.culliney@uk.lockton.comCarl Moore - PartnerBrett Warburton-Smith - PartnerT: 44 (0)20 933 2198T: 44 (0)20 7933 2242E: lockton.comRobbie Graham - Senior Vice PresidentBrian Boehmer - PartnerT: 44 (0)20 933 2998T: 44 (0)20 933 2083E: robbie.graham@uk.lockton.comE: brian.boehmer@uk.lockton.comSteve Davey - Senior Vice PresidentSimon Fenn - PartnerT: 44 (0)20 933 2667T: 44 (0)20 933 2328E: stephen.davey@uk.lockton.comE: simon.fenn@uk.lockton.comNeville Miles - PartnerShane Bailey - Senior Vice PresidentT: 44 (0)20 933 2068T: 44 (0) 207 933 2873E: neville.miles@uk.lockton.comE: shane.bailey@uk.lockton.com5 6
A guide to our Products and ServicesCYBERcyberWhether you are an emerging or a larger, more established international company, wehave the experience to understand the commercial realities you face - and are able tocreate specialised policy wordings to accurately reflect your needs.Our clients span a wide range of industries including technology, entertainment,financial services, retail, and healthcare, as every business sector has changedsignificantly through the growth of the Internet and network-based technologies.Our strong ties with the London market, as well as relationships with internationalinsurers, mean that we are able to use our connections to the best advantage of ourclients. Besides having access to the best market wordings, we have developedspecialised wordings for cyber liability and first party cyber protection on line slipsthrough the London marketplace, including a unique coverage for reputationalharm from a third party data breach.15 16We provide risk transfer solutions across a range of areas but specialisein the following:Technology And TelecommunicationsFor companies engaged in technology/telecom products, services, and solutions, ourrole is to provide creative and customised insurance programmes that are tailored tothe risks, products, and services of the specific client, which may include a variety ofmiscellaneous services as well. Very importantly, the programmes must reflect thecontractual challenges the client faces, as well as security, IP, andmedia risks.Intellectual PropertyWe also have considerable expertise in insurance for intellectual property infringementand enforcement, including patents and uniquely first party contingency risksrelated to IP.ProductsWe provide experience, advice, and insurance solutions for: Technology, media, telecom, business process outsourcing, and other blended tech/miscellaneous professional liability First party risks, such as network protection, cyber extortion, contingency risks ofoff-shoring, and reputational harm Cyber liability (security and privacy liability)Intellectual property infringementRisk management services and support including gap analysis, contractreview, vendor risk management, and security breach incidentresponse planning.MediaWe also handle small to large media risks, including movie studios, publishers, andon-line advertising/marketing.CyberThe heart of any organisation is its computer network and IT services. Confidentialcorporate data, personally identifiable information financial or medical information onemployees, customers and business.Privacy and security is a major growing area of risk from a reputational, legal andregulatory perspective including exposure to class actions, mandatory notification ofthe affected individuals in some countries, regulatory investigations, and fines/penalties. Credit cards have become a particular exposure for many industries givenPCI DSS credit card industry standards.All companies face technology-related risks such as network interruption caused byoperational mistakes or computer attacks. We specialise in understanding IT relatedoperational risks to our client’s critical infrastructure or revenue producing functions.
A guide to our Products and Services17 18Key ContactsBen Beeson - PartnerT: 44 (0) 20 7933 2857E: ben.beeson@uk.lockton.comEmily Freeman - Senior Vice PresidentT: 44 (0) 20 7933 2224E: emily.freeman@uk.lockton.comPhil Mayes - Senior Vice PresidentT: 44 (0) 20 7933 2556phil.mayes@uk.lockton.com5 6
A guide to our Products and ServicesHEALTHCAREhealthcareAt Lockton our aim is to provide clients with a healthcare team thatunderstands the complete healthcare market place. Through our abilityto benchmark pricing we are able to secure best possible value for ourclients, exceed our clients’ expectations and deliver outstanding customerservice. From individual practitioners, small clinics and assisted livingfacilities to large acute care hospitals and multinational care homes, ourteam have experience in the complete spectrum of healthcare andhealthcare associated risks on a global basis.We have combined our expertise within the insurance market with ourexperience in the healthcare sector to build an in depth understanding ofthe risk issues facing healthcare clients and how we can develop risk andinsurance products to meet these demands and needs.We provide a unique range of integrated risk management services andadvice where it influences and improves insurance placement on behalfof our clients. We are able to provide training to support our healthcareclients in managing their risk exposure with the aim of reducing their costof risk.19 20SERVICES Risk and Insurance Due DiligenceHealth and Safety and Auditing CapabilityBusiness Interruption and Business Continuity PlanningReputation Risk and Crisis ManagementContractual Risk ManagementContingency PlanningClaims ConsultingClinical Risk ConsultingDetailed Analytical Analysis.Products Professional Liability/Umbrella Coverage (multi-year options available)Integrated and/or Package PoliciesAlternative Risk Transfer mechanisms – Captives/RRG’sLoss Sensitive/Commutation ProgramsInternational Carve OutSexual Molestation/Abuse CoverageAncillary Coverage’s: Cyber Liability, Privacy Breaches, First and Third PartyTerrorism Affinity group schemesMedical productsClinical trials.
A guide to our Products and Services21 22Key ContactsThe Lockton Healthcare team combines experience in retailing healthcare business with anunderstanding of cutting edge Risk Management practices and protocols to wholesale(re)insurance solutions in the global International (re)insurance marketplace. Our geographicalreach covers all continents and our team can individually offer in excess of 25 years of experience.Shane Bailey - Senior Vice PresidentT: 44 (0) 207 933 2873E: shane.bailey@uk.lockton.comKevin Culliney - PartnerT: 44 (0) 207 933 2692E: Kevin.culliney@uk.lockton.comAsgar Hassanali - Vice PresidentT: 44 (0) 207 933 2516E: asgar.hassanali@uk.lockton.com5 6
A guide to our Products and ServicesaviationAVIATIONWhen it comes to managing risk on behalf of our clients, it is the qualityof our thinking that really makes the difference. The aviation insurancemarket is renowned for its volatility which is why Lockton’s experts arealways thinking in fresh and innovative ways. That way, we can not onlyhelp our clients adapt to sudden changes in market conditions, but canalso turn those conditions to their advantage. It is an approach that hasearned us the trust of clients all over the world, in every area of theaviation industry.Our aviation expertise covers the full spectrum, from general aviationto commercial airlines – including manufacturers and maintenance andrepair organisations. So you can count on us to deliver a comprehensiverange of retail, wholesale and reinsurance solutions, covering even themost specialist risks.ProductsAirlinesWhether you are involved in carrying passengers, freight or otherservices, the airline industry carries with it a specific range of risks.Our team has developed a reputation for providing a knowledgeable,reliable and effective service.Aircraft lease and finance plays a crucial role in airline expansionand modernisation programmes. Our work is not necessarily limitedto reviewing contracts but may also involve direct negotiations withcontracting parties such as banks, lessors or the designated legalrepresentative of such parties so as to ensure timely production ofthe requisite paperwork.General AviationWhether you are an owner/operator of a helicopter, single enginepiston or corporate jet, the ownership and operation of an aircraftcarries with it a unique range of risks. We have access to a range ofmarkets and facilities, which enables us to provide competitive products and enhanced service delivery.23 24AerospaceWhether you are the owner/operator of an airport, a service provider or an aviationmanufacturer, the aerospace industry carries with it a broad range of risks. We see it aspart of our job to anticipate future changes and develop new solutions that may offerour clients a real competitive advantage.We work closely with our clients in preparing a risk analysis and agreeing which areaswill be insured. We will also advise on other areas of risk, assisting with theiridentification and handling. These include those that can be insured, together withthose that fall outside of a conventional insurance solution.ReinsuranceWhatever your reinsurance needs, be it airline, general aviation, space or other aviationrelated exposures, we can offer a solution. Our team is experienced in placing QuotaShare and Surplus Treaties and we have developed a range of innovative solutionsrelated to Excess of Loss, Stop Loss and Risk Excess contracts. We can also design andplace both International and Domestic reinsurance programmes to fulfill your needs toour best ability.In the event of a loss, in addition to delivering on all essential paperwork, ourdedicated client service team will collate the reinsurance contracts protecting the clientand calculate any recoveries due. Whatever the particular exposure you wish toreinsure we make it a priority to give you peace of mind by delivering cover atcompetitive terms with acceptable security to you.Claims ManagementAn insurance policy is effectively a promise to pay. However, the true test comes whena claim arises. At this important time, that is when you need a service that is as efficient as it is effective and that is exactly what we aim to provide. Everything aboutour approach to handling claims is based on a straightforward premise - we treat eachclaim with the same care and attention as if it were our own. So you can expect to bekept closely informed every step of the way. The advice we give is designed to combinerigorous attention to detail with an appreciation of the wider business picture.Dedicated claims specialists are involved in each major new placing, right from theoutset. As an integral part of the account team, they have a close knowledge of yourinsurance situation even before a claim arises – so when it does, they are in a positionto act swiftly and decisively. Their day-to-day remit is to prepare detailed claimsmanuals, instructions and disaster plans for client firms.
A guide to our Products and Services25 26Key ContactsWe go to great lengths to get to know the way your business works, so that we can tailor oursolutions to your specific requirements. Above all, you can count on us to offer innovativesolutions that can make a tangible difference to your business, now and in years to come.The team has overall and day-to-day responsibility for every aspect of their client’s portfolio fromrenewal negotiations to documentation of policies and claims to ensure that clients benefit fromcontinuity of service.We have always believed in the importance of delivering a service that is as swift as it is reliable.That’s why you can count on us to provide a 24/7 response service, in order to handle claimsquickly and with the minimum of fuss. We do that by drawing on our close relationships withinsurers, surveyors, lawyers and loss adjustors within the industry, relationships that we havedeveloped over many years of specialist work in this sector.Graham Barden - PartnerT: 44 (0) 20 7933 2100E: graham.barden@uk.lockton.comPeter Eden - Senior Vice PresidentT: 44 (0) 20 7933 2005E: peter.eden@uk.lockton.comGary Marquis - Senior Vice PresidentTel: 44 (0) 20 7933 2475E: gary.marquis@uk.lockton.com5 6
A guide to our Products and ServicesCARGO & LOGISTICSCargo & LogisticsCaring for our clients’ worldwide transit and inventory exposures, we areexperts at turning our understanding into results that our clients canmeasure and value.Excess StockProviding a layer or layers of additional coverage above the primary policy designed tocome into play for catastrophic losses at high value locations.Our commitment to our clients includes: Appreciating the value of great service that starts with listening Recognising time constraints involved and responding quickly to eachenquiry Developing a unique approach to solving problems - we get the dealdone Understanding their goals and designing programmes that fit their needs.Global Transit RisksComprehensive “All Risks” coverage for goods in transit by land, sea or air, anywherein the world.Using highly rated and flexible international Insurers we leverage ourinternational resources, expertise and experience to bring together tailoredsolutions to unique risk management issues and challenges. Our long-termrelationships with Insurers around the world allow us to negotiatecomprehensive coverage at the best price possible. Our aim is to deliverthe security and peace of mind you would expect from one of the world’sleading Insurance Brokers.Guaranteed Outturn For Bulk Liquids And CargoesCovering leakage and/or shortage and/or contamination risks howsoever causedduring transit from land tank to land tank anywhere in the world.ProductsAutomobile Physical DamageA comprehensive policy form incorporating coverage in the event of an insured’svehicle being damaged, destroyed or lost as a result of fire, theft, vandalismor collision.Deductible Buy-DownBrings deductibles down to a more acceptable level when high deductibleare being imposed by the primary insurer.Equipment Physical DamageCatering particularly to the oilfield and energy business environment,we offer a specialist programme for all operational, transit, storage, layup and site exposures with options to include loss of use.Governmental RejectionCovering the risks of rejection or condemnation by the government of the country ofimport or their agencies or departments.Motor Truck CargoAny transporter of goods assumes responsibility for the cargo taken into his care,custody and control. Coverage applies when the insured is legally liable for loss ordamage to the goods while on any truck, trailer or at a scheduled location.Project Cargo Including Delay In Start UpCovering replacement and/or repair costs for essential infrastructure items ofequipment following loss or damage in the course of transit to the project site plus theloss of anticipated profits and additional finance or other fixed costs incurred resultingfrom the consequent delay in the start-up date of the project.Stock ThroughputGlobal “All Risks” cover for raw materials, work in progress and finished stockduring transit, manufacture and storage eliminating potential coverage gaps betweenseparate policies.Trade DisruptionDesigned to indemnify the Insured for their net loss resulting from, due to, or inconsequence of a named peril which results in the delayed delivery or non-delivery oftheir goods.War, Terrorism And Political RisksTransit risks to war zones and areas of conflict incorporating the protection of assetsagainst terrorism, riots, strikes, civil commotions and malicious damage. Incorporatingextensions to provide war risks cover while on land and confiscation, nationalisation,expropriation and deprivation.27 28
A guide to our Products and Services29 30Key ContactsPeter Hall - PartnerT: 44 (0) 20 7933 2139E: peter.hall @uk.lockton.comGraham Hambly - Vice PresidentT: 44 (0) 20 7933 2288E: graham.hambly@uk.lockton.comIan Franklin - Vice PresidentT: 44 (0) 20 7933 2054E: ian.franklin@uk.lockton.com5 6
A guide to our Products and ServicesCLAIMSclaimsThere is a very strong claims ethos within Lockton.Our Claims approach is built upon an in inclusive andintegrated basis, thus ensuring that our claims specialistshave been involved in the programme design well beforea major loss occurs. This allows for any potential problemsto be addressed before, rather than
the highest quality and most consistent service on a global basis. Across Lockton, we currently have more than 500 global clients, managed in over 100 countries worldwide. Handling the international needs of our c
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