Our claims advocacy experts have a proven track record of reversing seemingly impossible situations and turning them into favorable outcomes for our clients. Our claims experts pride themselves on being leaders in the industry. In fact, many of them came from working for both leading carriers and the having careers in the industries they now help advocate claims in. Because of this deep expertise, we are uniquely positioned to advise and assist you in protecting your company and addressing your claims issues for positive outcomes.
The Gallagher Difference
The challenge.
Our energy client experienced environmental pollution on property that was owned by a third-party government entity. The environmental impact was caused by a third-party contractor on the client’s site and its carrier was refusing to accept coverage and responsibility.
Our action.
Even though Gallagher was not directly involved, we stepped in to find a solution for the environmental authority imposed clean up and to get the responsible contractor’s liability insurer to accept and pay the claim. Through our experience and negotiation efforts we worked with the contractor’s insurer and ultimately got them to accept liability.
The result.
By working directly with the contractor’s carrier and bringing in our client’s own environmental carrier, which would be obligated to pay the claim and seek subrogation, we were able to broker an agreement that contractor’s insurer would fully reimburse our client for all emergency clean up expenses. We also were able to have the insurers clean up the site to meet environmental standards. All expenses were paid by the insurer’s third party and we obtained a release in favor of our client. This resulted in a $433,025 claim being paid by the responsible contractor’s insurance with our client receiving full reimbursement and avoidance of claim on its first party policy and deductible.
