1. Insurance and Risk Management
Presented by: Dan James / Chris Lethborg
Date: 2nd & 3rd September 2017

2. Arthur J. Gallagher – A Snapshot

3. ANSVAR – Who is the Insurer
Ansvar is a leading specialist risk and insurance provider to the Australian Care, Community, Education, Faith and Property Owners sectors.
Ansvar is a wholly-owned subsidiary of UK based Ecclesiastical Insurance Group (EIG).
The principal shareholder of EIG is AllChurches Trust - one of the UK’s largest charities.
Point One – UK Parent Company: Ecclesiastical Insurance Group
Ansvar is a leading specialist risk and insurance provider for the Care, Community, Education, Faith and Heritage sectors in Australia. Owned by a charity, we are an ethical insurer committed to our community with all available profits going to charitable causes. Ansvar is dedicated to creating long-term partnerships, providing bespoke solutions and offering excellent customer service.
Ansvar is a subsidiary of Ecclesiastical Insurance Office plc (Ecclesiastical). Ecclesiastical was established in the UK in 1887, initially to protect the Anglican Church and is still committed to doing this today.
Ecclesiastical is now the UK’s top insurance company donor and joint 13th largest corporate donor overall (alongside Virgin Atlantic and BAE Systems.)*, taking its place alongside some of the UK’s biggest companies. Between 2014 and March 2016 Ecclesiastical donated ￡50m to charity.
Group Rating
In May 2015, Standard & Poor's Ratings Services affirmed its "A-" insurer financial strength rating of Ansvar's parent, Ecclesiastical Insurance Office plc.
On 23 March 2016, A.M. Best affirmed the financial strength rating of A (Excellent) and issuer credit rating of "a" for Ansvar's parent company, Ecclesiastical Insurance Office plc. The outlook for the ratings remain stable.
*Directory of Social Change UK guide to Company Giving 2015/16
Point Two – A.M. Best rating,
Ansvar has an A- Excellent rating from AM Best

4. ANSVAR at a glance
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5. Community Services Sector
SOME ANSVAR CLIENTS

6. Giving Back ANSVAR COMMUNITY EDUCATION PROGRAM
In 2017 Ansvar donated $250,000 to nine recipients
The Board has approved the allocation of $250,000 to the Grant Review Panel’s recommended recipients for 2017:
Kids Under Cover
Scholarships for disadvantaged young people A scholarship program which will benefit 130 disadvantaged young people formerly at risk of youth homelessness.
Path 2 Change
Mentor 2 Change targets youth aged between years who are homeless, or at risk of homelessness.
The Ice Meltdown Project 
Community Support and Education on Substance Abuse provides empowerment and education support for youth aged years who have been affected by addiction to the drug ICE, and those supporting someone with an addiction.
 Lighthouse Foundation
Lighthouse Mothers and Babies Program for young mothers in Victoria who have experienced abuse, parental neglect and/or domestic violence.
FairShare Australia
Schools in the Kitchen provides an opportunity for Victorian students aged from year 9 to 12 from low socio-economic areas to learn about food waste and rescue
St Vincent de Paul NSW
Youth Reach Fresh Start Program targeting young people aged between 18 to 24 years of age who have been unemployed or disengaged from their community due to low levels of education, mental health issues, homelessness and domestic violence.
 The Australian Literacy and Numeracy Foundation
Early Language and Literacy Palm Island Program will benefit approximately 200 children under eight years of age from Palm Island in Far North Queensland.
The Benevolent Society
Back on Track The Back on Track program targets socio-economically disadvantaged young people between 15 and 18 years of age who have been involved in the juvenile justice system and are at risk of educational disengagement in the Maroubra area in NSW.
 Yooralla
Giving Children a Voice is targeted at Victorian children with a disability aged 0-12 years, who have significant communication impairments.  

7. Our DNA, Culture and What we Stand For

8. The Arthur J Gallagher Advantage
Alignment with our customers – Ansvar and AJG are part of and committed to supporting the communities it insures
Specialist insurer with extensive knowledge of the risks faced by our clients, offering market leading sector-specific policies
Our Risk Solutions team are thought leaders in risk management offering best practice advice, risk management tools and services
Direct access to experienced and compassionate Claims staff
Financial strength, parent companies support enabling global best practice sharing
Separate risk management website for easy access to our market leading risk management services
Ansvar’s strong commitment to the community and our values guide everything we do. By choosing Ansvar you are getting quality insurance products and advice, while supporting your community.
We have extensive knowledge and a deep understanding of the risks faced by our clients within the Care, Community, Faith, Education and Property Owners sectors.
You will have access to our Risk Solutions team, who can provide expert risk management advice, tools and services.
When insured with Ansvar, you will receive direct access to Ansvar’s efficient, compassionate and professional claims staff who are well experienced in our core sectors.

9. Risk Management RISK MANAGEMENT SERVICES
Building sum insured assessments
Desktop sum insured reviews
Site risk surveys, including thermal imaging
Risk awareness training and workshops
Education forums and webinars
Liability and financial lines risk audits
Business resilience/crisis management toolkit
Client self assessment tools
E-learning risk management modules
Operational risk management tools
Factsheets, checklists and research on key risk issues affecting customers in our sectors
Online induction and incident reporting
Online service and maintenance alerts and audit
Point 2 – Sum insured assessments  
Ansvar’s Risk Solutions Advisors have undergone in-depth training in conjunction with specialists from our parent company Ecclesiastical Insurance Group (UK) to provide accurate property replacement value assessments.
Our expert team collects building measurements, construction details, ornate features and site photographs to carefully and concisely build a replacement cost assessment report, accurately reflecting the true replacement and reinstatement value of insured buildings. Our team will also consider re-build times, delays, inflation and heritage considerations.
Point 3 – Risk Surveys
Our team conducts on-site risk surveys.  This service involves a pre-survey interview and a physical site inspection to help identify the risks to your clients organisation.  After this a detailed report is provided with relevant information designed to help manage your clients risks. 
When requested, our surveys can also include a sum insured assessment of all insured buildings on site. This helps to avoid your client being over or under insured.
Point 4 – Desktop valuations
Using information and plans on the characteristics of a site we can use our extensive knowledge to assess property replacement values.  The information will typically include measurements, construction, location and special features which when combined with our knowledge of similar properties within our sector portfolios we can use to arrive at an accurate value for property replacement.
Point 5– focused risk awareness
Our Risk Services team can hold training workshops or seminars to meet the needs of individual customer requests. This is a great value add for your clients.  
We can run co-branded presentations with you at industry conferences or seminars. We want to work with you in a bi-lateral partnership - it’s a powerful message to send to clients or potential clients that you as a broker have a strong relationship with your underwriter and that together we will solve their insurance problems, their interests are our interests.
 We are constantly adding to our suite of Risk Management fact sheets that we have developed with your clients in mind.
Risk surveyors in each State.

10. The Arthur J Gallagher Shed Solution
Property and Physical Assets – Cover up to $500,000 sums insured, catering for a range of shed requirements both small and large
Consequential Loss Coverage - Gross Profit $50,000, Claims Preparation $50,000, AICOW $25,000
$40,000,000 Public and Products Cover - Tailored to your shed requirements, activities and unique needs
$50,000 Theft Cover – Superior than other providers limits
Voluntary Workers Cover $250,000 – No Upper Age Limit Applies
Management Liability Cover – To protect the running of your shed
Motor Fleet Contingency – Provides reimbursement for any difference in premium should a shed member suffer an accident (whilst on shed business) and your premium is impacted
Ansvar’s strong commitment to the community and our values guide everything we do. By choosing Ansvar you are getting quality insurance products and advice, while supporting your community.
We have extensive knowledge and a deep understanding of the risks faced by our clients within the Care, Community, Faith, Education and Property Owners sectors.
You will have access to our Risk Solutions team, who can provide expert risk management advice, tools and services.
When insured with Ansvar, you will receive direct access to Ansvar’s efficient, compassionate and professional claims staff who are well experienced in our core sectors.

11. The Arthur J Gallagher Solution
Stand Alone Machinery Breakdown Policy
$10,000 Machinery Breakdown - $10,000 Boiler Explosion
$1,000,000 Professional Indemnity Cover ($3,000,000 Aggregate Limit)
Flood Cover $100,000 Cover Included
These are just some high level benefits of the Arthur J Gallagher Solution, Priced at $16.50 Per Member*
*That meet standard underwriting criteria and acceptance
Ansvar’s strong commitment to the community and our values guide everything we do. By choosing Ansvar you are getting quality insurance products and advice, while supporting your community.
We have extensive knowledge and a deep understanding of the risks faced by our clients within the Care, Community, Faith, Education and Property Owners sectors.
You will have access to our Risk Solutions team, who can provide expert risk management advice, tools and services.
When insured with Ansvar, you will receive direct access to Ansvar’s efficient, compassionate and professional claims staff who are well experienced in our core sectors.

12. Claims Management CLAIMS MANAGEMENT SERVICES Claims helpline
Claims Fast Track service
Client Training
Disaster and crisis management
Expert loss adjuster panels
Expert legal panels
Expert reinstatement partners
Trend analysis and advice
Online claims lodgment and reporting
Claims delegated authority
Post loss surveys
Direct access to key decision makers
Large loss support and expertise
Straight through processing and resolution
Embedded claims support
Ability to leverage Ansvar / AJG parent expertise

13. The strengths of our Claims Proposition
PEOPLE QUALITY – Recognised by the insurance industry as one of the best teams of technical claims advocates in Australia. Specialist expertise for all types of insurance claims including motor, marine, liability and property losses. In house legal representation dedicated to claims.
ADVOCACY – Recognised by our clients through net advocacy surveys as providing outstanding support when an insurer claim process or outcome has not been or is not being fulfilled.
NATIONAL CLAIMS LODGEMENT TEAM - Dedicated specialist team focussing purely on getting new claims actioned by insurers as quickly as possible
ALIGNMENT TO BRANCHES - Claims Executives aligned to each branch for when you need a claims advocate on complex and escalated matters
INSURER INFLUENCE - Agreed service levels and processes creating great client outcomes at portfolio level as well as ability to advocate hard if the insurer has let an individual client down
LOCATIONS - Claims people present in locations covering all Australian time zones working as one national team focussed on the best outcome for clients
DEFINED SERVICE OFFERING - Clearly defined standard service offering and minimum service levels for clients. The option to offer for a fee non standard services.
DATA ANALYTICS - Insights through claims data analytics
GLOBAL REACH - Gallagher International Claims Advocacy Group
THE GALLAGHER WAY – Our shared values
Last 10 years –

14. Dan James and Christopher Lethborg