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Business Without Barriers Welcome to Arthur J. Gallagher
Employee Benefits and Wealth ManagementUK | 2016
™
2 A guide to our business | Welcome to Arthur J. Gallagher
At Arthur J. Gallagher these are questions we ask of all our clients. Why? Because we know that without the ability to attract, reward and retain the right talent at the right cost, a business will struggle to succeed.
The key to delivering effective and lasting change is in removing the barriers to success that stand in the way, – holistically, effectively and affordably. As a consultancy-led business we believe in people, not products. This is the Arthur J. Gallagher difference and it is the driving force behind everything that we do.
All consultancies will tell you they are different, but how do we know that we truly are? We know because our clients tell us. They come to us with problems that their existing advisers cannot or will not help with. We work hard to understand everything about them: what makes them unique; what they want to achieve; and what hurdles they face. They work with us when they need to develop a creative solution, to get under the skin of an issue, not to find a quick fix.
Our philosophy is simple – we believe in building trusted, transparent client partnerships and we practice everything that makes a partnership successful. As our former Chairman and CEO, Robert E. Gallagher, put it, ‘We run to problems, not away from them’.
We have retained this ethos since our organisation was established in 1927. Since then, Arthur J. Gallagher & Co. has grown to become one of the largest insurance intermediary and risk management organisations in world with a significant and increasing presence throughout the UK. We continue to grow as more and more businesses discover the Arthur J. Gallagher alternative.
We are passionate about delivering excellence in employee benefits and engagement. Whatever barriers your business is facing, we can support you. Arthur J. Gallagher provides a wealth of knowledge and a comprehensive range of experience, as you will see in this guide, delivered expertly and cost-efficiently. Why not get in contact and let us show you how we can help you build a Business Without Barriers?
Thank you for considering Arthur J. Gallagher.
Tim JohnsonChief Executive Officer
“ Focussed on resolving the broader issues of clients.... Business partnering of a very high standard”
WORKPLACE SAVINGS + BENEFITS AWARDS PANEL OF JUDGES, 2015
A true partner invests in your success and works hard to continually earn your trust.
Business Without Barriers™ What are your organisation’s strategic objectives? What responsibilities do you have for delivering them? What support has your employee benefits consultancy provided you with and how engaged are they in your success?
Employee Benefits and Wealth Management | UK | 2016 3
About us Welcome to Arthur J. Gallagher. We provide award-winning employee benefits consultancy and wealth management services in the UK and multi-nationally. Headquartered in London, Arthur J. Gallagher has consultancy teams throughout the UK helping clients to recruit and retain the best talent, engage their workforces and meet their organisations’ strategic objectives.
As the UK benefits business of Arthur J. Gallagher & Co., our team has grown to become part of one of the largest insurance and risk management organisations in the world. Established in Chicago in 1927, today Arthur J. Gallagher & Co. employs more than 22,000 people, with operations in 33 countries and an extended network of partner brokers and consultants in 150 countries across the globe.
Arthur J. Gallagher’s local heritage is built upon years of experience in the UK and multi-national financial services markets, providing a leading level of service and cutting-edge solutions based on an intimate knowledge of the employee benefit and risk markets, and of our clients’ needs and goals.
What makes us different? We recognise that each and every organisation is unique. Each has its own specific challenges and strategic objectives and so their benefit strategies should be equally distinct. There is no silo-treatment at Arthur J. Gallagher as we provide a broad and holistic approach to all benefits provision, not a ‘one size fits all’ approach.
We work hard to understand our clients, their industry, their market and the unique constraints and opportunities that affect their successes. Our clients do not face these challenges alone – when a business partners with Arthur J. Gallagher, we rise to meet these challenges and support our clients every step of the way on the road to achieving their goals.
Global solutions, local focus
4 A guide to our business | Welcome to Arthur J. Gallagher
Employee Benefit Services
Benefit Consulting Healthcare & WellbeingGroup RiskWe optimise the management of risk within your organisation. We help organisations to quantify, understand and actively manage their employee risk. We offer award-winning consultancy on insured solutions such as group life assurance, group income protection and group critical illness and alternative risk management solutions such as self-insurance and captives.
We ensure our clients’ benefits do not become outdated, uncompetitive or costly. We make sure our clients’ benefit and reward programmes grow with them and are not left to become outdated and uncompetitive. Our experts seek to ensure employers remove unnecessary cost, offering the right benefit mix for their sector in order to attract and retain the best talent.
Our strategies ensure the workplace is as healthy, sustainable and competitive as it should be. Offering an effective healthcare programme is the key to reducing staff absence, controlling associated costs and improving overall productivity. Our award-winning healthcare & wellbeing service helps employers fulfil their duty of care to their staff and help them back to work after periods of absence.
Flexible Benefits CommunicationWorkplace PensionsWe help employers use their pension scheme to reward and retain talent. Saving for retirement is often neglected, so it is important employees understand the value of a company pension and saving into it. Our consultants help employers with contribution design, benchmarking, scheme selection and Auto-enrolment compliance, keeping employees engaged with their future.
Making employee benefits packages truly personal to every individual. A flexible benefits programme offers employers the opportunity to harmonise benefit structures, regain control of costs and offer a diverse workforce the choice to tailor their benefits to their own lifestyles. Our platform allows employers to communicate, educate, and manage meaningful rewards for their talent.
Ensuring employers say the right thing, to the right audience, in the right way. Providing a generous benefits package is not worthwhile unless employees really understand its value. We offer consultancy services to fulfil statutory duties, support change management and provide individual financial advice and education to help employers and employees engage with one another effectively.
Multinational Benefits Wealth ManagementHelping organisations grow their operations whilst maintaining control. Multinational organisations need support with a global reach. Our access to markets and specialists backed by leading technical knowledge means we can provide multinational employers the support to understand and manage benefits on a global scale, ensuring compliance and competitiveness in each territory.
Ensuring employers reward the people that help their organisations grow and thrive. Higher earners often have specific financial needs that they do not have time to address. Our executive wealth management team can offer key individuals professional financial advice to protect, grow and preserve what they have worked hard to build.
Employee Benefits and Wealth Management | UK | 2016 5
Wealth Management Services
Cash Flow Modelling Retirement PlanningInvestment AdviceStewardship of your investments to protect, optimise and grow wealth. We help individuals understand their priorities, time horizons and attitude to risk, shaping a unique tax efficient investment plan around their goals. We work closely with the appropriate investment managers to ensure the strategy supports our clients’ objectives and regularly review each portfolio to ensure it remains invested in the right way, to protect and grow its value.
Helping people plan ahead for the things that really matter. Everybody has goals and personal aspirations. Whether it is paying for school fees, a wedding or a holiday home, having a long-term financial plan can make them a reality. Our cash flow modelling can quantify the investment needs, growth and time horizons required to ensure clients can fund their future plans.
Putting your pension to work after finishing work. Retirement is changing – both longevity and retirement options have increased significantly. We help people plan their retirement to provide for their income needs without paying unnecessary tax, pay for significant events such as travel or family weddings, and preserve the value of their pension pot for future years.
Estate Planning Protection AdviceSecuring a valuable legacy for loved ones, not the tax man. Inheritance tax is often seen as a ‘voluntary tax’. We provide careful and sympathetic planning to reduce or mitigate tax exposure, ensuring an individual’s legacy is passed on to the desired recipients – be it family, friends, trusts or charities – in the right way, at the right time.
Providing peace of mind for when things go wrong. The strongest financial plans are built on the firmest foundations. We help individuals understand their personal risks and the effects they might have on their future plans, their loved ones and their businesses. Knowing these, we build a backup plan to protect their standard of living, loved ones and their futures.
How good are we? Our team are highly qualified, experienced and professional. Together our consultancy expertise is recognised across the industry. Here is a selection of our UK awards:
Our values Our company’s culture of ethics and integrity is captured in ‘The Gallagher Way’, a collection of 25 values penned by our former Chairman and CEO, Robert E. Gallagher, that have formed our global family’s ethical grounding and cultural values for 30 years.
We are the only insurance broker in the world to have received this recognition.
Ethics are the cornerstone of our organisation. We are delighted to have been recognised for five consecutive years running as one of the Most Ethical Companies in the World by Ethisphere.
This recognition is awarded to those companies that truly go beyond making statements about doing business ethically and translate those words into action.
“ We’re an open society” The Gallagher Way, Value 6
Our company motto is ‘Business Without Barriers’, reflecting our team approach and accountability to our clients. Our people’s combined resources and relationships are extensive, creative, robust and productive.
We establish programmes structured around the exact needs of our clients using all resources, knowledge and experience at our disposal.
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Employee Benefits and Wealth Management | UK | 2016 7
Who do we work with? We have many long-term partnerships with clients across a wide range of sectors. Some of our niches include:
– Charity / Not For Profit
– Retail
– Financial Services
– Hospitality
– Infrastructure
– Manufacturing
– Media
– Public Sector
– Technology
“ We run to problems, not away from them” The Gallagher Way, Value 20
Our people are accountable for everything we do and this applies from the very top, down. Every client has a dedicated, named team to look after their account and their fundamental interests.
We make it our business to know our clients, their goals and needs through and through, to foresee their challenges and to provide future-proof solutions.
Where are we based? Birmingham • Bristol
Chelmsford • Edinburgh
Glasgow • Guildford
Kings Hill • Leeds
Leicester • Liss
London • Lytham St. Annes
Manchester • Wakefield
“ HRG have worked with Arthur J. Gallagher for over 15 years and they have proved to be a truly valuable, trusted adviser and partner to our business.
We can rely on them to continuously demonstrate innovation and insight on a wide range of products.”
Andy Craig
GLOBAL HR DIRECTOR, HOGG ROBINSON GROUP
What our clients say about us
“ We appreciated their professional approach and considerable depth of knowledge, but found their ability to simplify complexity, and present a clear and concise report and recommendations, particularly valuable. As a result we would have no hesitation in using their services again.”
GROUP HR DIRECTOR, HIGH STREET RETAILER
“ Arthur J. Gallagher work with us as our business partner to ensure the Employee Benefits we provide meet all our employees’ requirements and assist us so that we feel confident we can retain and attract the right people in our growing business.”
Andy Warcup
GROUP FINANCE DIRECTOR, BARRETT STEEL LTD
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“ They are flexible and proactive in supporting our ever changing business needs and we would have no problem recommending them to other businesses.”
Phil Rowan
HEAD OF FINANCE, JOSEPH HOLT LTD
“ Our support team is excellent – not only are they efficient and knowledgeable but really nice people too and we feel that they do a lot of groundwork to ensure the advice they give is both correct and appropriate. We would have no hesitation in recommending them to other companies.”
Julie Thompson HR & SERVICES DIRECTOR, ARCHBOLD LOGISTICS LIMITED
“ We feel able to recommend Arthur J. Gallagher’s Employee Benefits Division to any Company who are looking for quality support across Group Pensions and Group Risk where technical aspects are translated into plain language and there is a clear commitment to relationship management on a multi-level basis.”
Alan Cathrine HEAD OF HR, KAB SEATING LTD
“ They are always on hand to answer questions and provide advice and support when needed.”
Daniella Jackson HR DIRECTOR, THE ADOLESCENT AND CHILDREN’S TRUST (TACT)
Employee Benefits and Wealth Management | UK | 2016 9
“ We’ve been working with Arthur J. Gallagher for a number of years now. They are easy to work with, explain complex issues in plain English and are always there to help.”
Annabel Sweet DIRECTOR OF PEOPLE AND CULTURE, THIS IS GLOBAL
“ We have confidence in their ability to advise us on all areas of our core benefits that are managed via Gallagher and have faith in the fact that current issues and legislative changes are brought to our attention throughout the year and not just at renewal.”
Tara Holliss PAYROLL & BENEFITS MANAGER, THE FOOTBALL ASSOCIATION
“ Our relationship with Arthur J. Gallagher is very much a partnership and we see them as an extension of our own business support teams. They provide support and information on all of our benefits, which includes training new team members as well as 1-2-1 executive sessions for our more senior hires.
We rely on Arthur J. Gallagher to keep us informed of market developments and to develop pragmatic solutions to the organisational challenges we face.”
Gina Ramson-Williams GROUP TALENT DIRECTOR (EMEA), CMGRP UK LTD
10 A guide to our business | Welcome to Arthur J. Gallagher
Business Without BarriersTM Arthur J. Gallagher (Employee Benefits) and Arthur J. Gallagher (Wealth Management) are trading names of Gallagher Risk & Reward Limited, which is authorised and regulated by the Financial Conduct Authority. Not all business carried out by the company is regulated. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 3265272. www.gallaghereb.com
Contact us +44 (0)20 7204 8990
www.gallaghereb.com
@ajgbenefits
