Gallagher Employee Benefits provides expert advice on multinational pooling projects, backed by our global network of partners and wealth of international experience.
For companies with established pooling arrangements, we will audit, analyse, and optimise existing pools to keep or consolidate in more effective ways. For organisations seeking to establish a pool, we can provide an end-to-end service, including:
- global audit of all existing policies
- policy data and viability assessment
- network assessment and selection guidance
- transition management
Independent estimates show that pooling can, over the course of time, reduce the cost of global employee benefit insurances by some 10-15%. It is important to note that losses under a standard pooling agreement will not be collected from the company or its subsidiaries; the insurer’s stop loss risk charge covers this.