Food, Beverage and Agriculture

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Current location and language selection is Bermuda English"> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>BM</strong> | EN <span class="material-symbols-outlined" aria-hidden="true">expand_more</span> </button> </div> </div> <div class="d-block d-md-none country-selector__breadcrumb-nav"> <button type="button" aria-controls="country-selector" class="btn font-p font-p-large" data-menu-back="true" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Country Selector Close" data-cdlabel="Country Selector Close" data-cilabel="/sitecore/content/WTW/insights/2021/01/bridging-the-splinternet"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>BM</strong> | EN </button> </div> <div class="country-selector__container pt-3"> <div class="container"> <div class="row justify-content-md-center"> <div class="col-12 col-lg-10"> <button type="button" aria-controls="country-selector" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Country Selector Close" data-cdlabel="X" data-cilabel="/sitecore/content/WTW/insights/2021/01/bridging-the-splinternet" data-menu-close="true" class="material-symbols-outlined d-none d-md-block btn-close" aria-label="Click to close the location selector"> close </button> <h2 class="mb-4 my-md-5 heading-1">Choose your location</h2> <h5 class="mb-3">Select the location and the language that you prefer</h5> <div class="accordion country-selector__accordion" id="country-accordion"> <div class="country-selector__accordion-item"> <button class="collapsed btn heading-4 container country-selector__accordion-btn" type="button" data-toggle="collapse" data-target="#region0" aria-expanded="false" aria-controls="region0" id="region-0" aria-label="Accordion menu, Americas locations, click to expand / collapse the list of websites and languages available" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Choose your location" data-cdlabel="Americas" data-cilabel="/sitecore/content/WTW/insights/2021/01/bridging-the-splinternet" data-ctlabel="Region Open" onclick="if ($(this).hasClass('collapsed')) { $(this).data('ctlabel', 'Region Open') } else { $(this).data('ctlabel', 'Region Close') } linkClick(this);"> <span class="row align-items-center"> <span class="col-12 col-md-9 text-left">Americas</span> </span> <span class="material-symbols-outlined country-selector__icon" aria-hidden="true">arrow_drop_down</span> </button> <div id="region0" class="container collapse" aria-labelledby="region-0" data-parent="#country-accordion"> <div class="row table-responsive"> <table class="col col-12 table"> <caption> List of website locations and languages available in Americas </caption> <thead> <tr> <th scope="col">Location</th> <th scope="col">Languages Available</th> </tr> </thead> <tbody> <tr> <td class="heading-6 align-text-top">Argentina </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-ar' class="country-selector__languages" aria-label="Willis Towers Watson Argentina website in Spanish, click to navigate to website" data-current_country="Argentina" data-current_language="Spanish" data-menu_text="Argentina | Spanish" onclick="switchLanguage('/es-ar','/es-ar', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Bermuda </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-bm' class="country-selector__languages" aria-label="Willis Towers Watson Bermuda website in English, click to navigate to website" data-current_country="Bermuda" data-current_language="English" data-menu_text="Bermuda | English" onclick="switchLanguage('/en-bm','/en-bm', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Brazil </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/pt-br' class="country-selector__languages" aria-label="Willis Towers Watson Brazil website in Portuguese, click to navigate to website" data-current_country="Brazil" data-current_language="Portuguese" data-menu_text="Brazil | Portuguese" onclick="switchLanguage('/pt-br','/pt-br', this); return false;"> Portuguese</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Canada </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ca' class="country-selector__languages" aria-label="Willis Towers Watson Canada website in English, click to navigate to website" data-current_country="Canada" data-current_language="English" data-menu_text="Canada | English" onclick="switchLanguage('/en-ca','/en-ca', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/fr-ca' class="country-selector__languages" aria-label="Willis Towers Watson Canada website in French, click to navigate to website" data-current_country="Canada" data-current_language="French" data-menu_text="Canada | French" onclick="switchLanguage('/fr-ca','/fr-ca', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Chile </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-cl' class="country-selector__languages" aria-label="Willis Towers Watson Chile website in Spanish, click to navigate to website" data-current_country="Chile" data-current_language="Spanish" data-menu_text="Chile | Spanish" onclick="switchLanguage('/es-cl','/es-cl', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Colombia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-co' class="country-selector__languages" aria-label="Willis Towers Watson Colombia website in Spanish, click to navigate to website" data-current_country="Colombia" data-current_language="Spanish" data-menu_text="Colombia | Spanish" onclick="switchLanguage('/es-co','/es-co', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Costa Rica </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-cr' class="country-selector__languages" aria-label="Willis Towers Watson Costa Rica website in Spanish, click to navigate to website" data-current_country="Costa Rica" data-current_language="Spanish" data-menu_text="Costa Rica | Spanish" onclick="switchLanguage('/es-cr','/es-cr', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">El Salvador </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-sv' class="country-selector__languages" aria-label="Willis Towers Watson El Salvador website in Spanish, click to navigate to website" data-current_country="El Salvador" data-current_language="Spanish" data-menu_text="El Salvador | Spanish" onclick="switchLanguage('/es-sv','/es-sv', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Guatemala </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-gt' class="country-selector__languages" aria-label="Willis Towers Watson Guatemala website in Spanish, click to navigate to website" data-current_country="Guatemala" data-current_language="Spanish" data-menu_text="Guatemala | Spanish" onclick="switchLanguage('/es-gt','/es-gt', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Honduras </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-hn' class="country-selector__languages" aria-label="Willis Towers Watson Honduras website in Spanish, click to navigate to website" data-current_country="Honduras" data-current_language="Spanish" data-menu_text="Honduras | Spanish" onclick="switchLanguage('/es-hn','/es-hn', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Mexico </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-mx' class="country-selector__languages" aria-label="Willis Towers Watson Mexico website in Spanish, click to navigate to website" data-current_country="Mexico" data-current_language="Spanish" data-menu_text="Mexico | Spanish" onclick="switchLanguage('/es-mx','/es-mx', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Nicaragua </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-ni' class="country-selector__languages" aria-label="Willis Towers Watson Nicaragua website in Spanish, click to navigate to website" data-current_country="Nicaragua" data-current_language="Spanish" data-menu_text="Nicaragua | Spanish" onclick="switchLanguage('/es-ni','/es-ni', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Panama </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-pa' class="country-selector__languages" aria-label="Willis Towers Watson Panama website in Spanish, click to navigate to website" data-current_country="Panama" data-current_language="Spanish" data-menu_text="Panama | Spanish" onclick="switchLanguage('/es-pa','/es-pa', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Peru </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-pe' class="country-selector__languages" aria-label="Willis Towers Watson Peru website in Spanish, click to navigate to website" data-current_country="Peru" data-current_language="Spanish" data-menu_text="Peru | Spanish" onclick="switchLanguage('/es-pe','/es-pe', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">United States </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-us' class="country-selector__languages" aria-label="Willis Towers Watson United States website in English, click to navigate to website" data-current_country="United States" data-current_language="English" data-menu_text="United States | English" onclick="switchLanguage('/en-us','/en-us', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Venezuela </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-ve' class="country-selector__languages" aria-label="Willis Towers Watson Venezuela website in Spanish, click to navigate to website" data-current_country="Venezuela" data-current_language="Spanish" data-menu_text="Venezuela | Spanish" onclick="switchLanguage('/es-ve','/es-ve', this); return false;"> Spanish</a> </li> </ul> </td> </tr> </tbody> </table> </div> </div> </div> <div class="country-selector__accordion-item"> <button class="collapsed btn heading-4 container country-selector__accordion-btn" type="button" data-toggle="collapse" data-target="#region1" aria-expanded="false" aria-controls="region1" id="region-1" aria-label="Accordion menu, Asia-Pacific locations, click to expand / collapse the list of websites and languages available" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Choose your location" data-cdlabel="Asia-Pacific" data-cilabel="/sitecore/content/WTW/insights/2021/01/bridging-the-splinternet" data-ctlabel="Region Open" onclick="if ($(this).hasClass('collapsed')) { $(this).data('ctlabel', 'Region Open') } else { $(this).data('ctlabel', 'Region Close') } linkClick(this);"> <span class="row align-items-center"> <span class="col-12 col-md-9 text-left">Asia-Pacific</span> </span> <span class="material-symbols-outlined country-selector__icon" aria-hidden="true">arrow_drop_down</span> </button> <div id="region1" class="container collapse" aria-labelledby="region-1" data-parent="#country-accordion"> <div class="row table-responsive"> <table class="col col-12 table"> <caption> List of website locations and languages available in Asia-Pacific </caption> <thead> <tr> <th scope="col">Location</th> <th scope="col">Languages Available</th> </tr> </thead> <tbody> <tr> <td class="heading-6 align-text-top">Australia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-au' class="country-selector__languages" aria-label="Willis Towers Watson Australia website in English, click to navigate to website" data-current_country="Australia" data-current_language="English" data-menu_text="Australia | English" onclick="switchLanguage('/en-au','/en-au', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">China </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='https://www.wtwco.cn/zh-cn' class="country-selector__languages" aria-label="Willis Towers Watson China website in Simplified Chinese, click to navigate to website" data-current_country="China" data-current_language="Simplified Chinese" data-menu_text="China | Simplified Chinese" onclick="switchLanguage('/zh-cn','https://www.wtwco.cn/zh-cn', this); return false;"> Simplified Chinese</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Hong Kong (China, SAR) </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-hk' class="country-selector__languages" aria-label="Willis Towers Watson Hong Kong (China, SAR) website in English, click to navigate to website" data-current_country="Hong Kong (China, SAR)" data-current_language="English" data-menu_text="Hong Kong (China, SAR) | English" onclick="switchLanguage('/en-hk','/en-hk', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">India </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-in' class="country-selector__languages" aria-label="Willis Towers Watson India website in English, click to navigate to website" data-current_country="India" data-current_language="English" data-menu_text="India | English" onclick="switchLanguage('/en-in','/en-in', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Indonesia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-id' class="country-selector__languages" aria-label="Willis Towers Watson Indonesia website in English, click to navigate to website" data-current_country="Indonesia" data-current_language="English" data-menu_text="Indonesia | English" onclick="switchLanguage('/en-id','/en-id', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Japan </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/ja-jp' class="country-selector__languages" aria-label="Willis Towers Watson Japan website in Japanese, click to navigate to website" data-current_country="Japan" data-current_language="Japanese" data-menu_text="Japan | Japanese" onclick="switchLanguage('/ja-jp','/ja-jp', this); return false;"> Japanese</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Korea </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/ko-kr' class="country-selector__languages" aria-label="Willis Towers Watson Korea website in Korean, click to navigate to website" data-current_country="Korea" data-current_language="Korean" data-menu_text="Korea | Korean" onclick="switchLanguage('/ko-kr','/ko-kr', this); return false;"> Korean</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Malaysia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-my' class="country-selector__languages" aria-label="Willis Towers Watson Malaysia website in English, click to navigate to website" data-current_country="Malaysia" data-current_language="English" data-menu_text="Malaysia | English" onclick="switchLanguage('/en-my','/en-my', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">New Zealand </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-nz' class="country-selector__languages" aria-label="Willis Towers Watson New Zealand website in English, click to navigate to website" data-current_country="New Zealand" data-current_language="English" data-menu_text="New Zealand | English" onclick="switchLanguage('/en-nz','/en-nz', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Philippines </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ph' class="country-selector__languages" aria-label="Willis Towers Watson Philippines website in English, click to navigate to website" data-current_country="Philippines" data-current_language="English" data-menu_text="Philippines | English" onclick="switchLanguage('/en-ph','/en-ph', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Singapore </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-sg' class="country-selector__languages" aria-label="Willis Towers Watson Singapore website in English, click to navigate to website" data-current_country="Singapore" data-current_language="English" data-menu_text="Singapore | English" onclick="switchLanguage('/en-sg','/en-sg', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Taiwan </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/zh-tw' class="country-selector__languages" aria-label="Willis Towers Watson Taiwan website in Traditional Chinese, click to navigate to website" data-current_country="Taiwan" data-current_language="Traditional Chinese" data-menu_text="Taiwan | Traditional Chinese" onclick="switchLanguage('/zh-tw','/zh-tw', this); return false;"> Traditional Chinese</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Thailand </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-th' class="country-selector__languages" aria-label="Willis Towers Watson Thailand website in English, click to navigate to website" data-current_country="Thailand" data-current_language="English" data-menu_text="Thailand | English" onclick="switchLanguage('/en-th','/en-th', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/th-th' class="country-selector__languages" aria-label="Willis Towers Watson Thailand website in Thai, click to navigate to website" data-current_country="Thailand" data-current_language="Thai" data-menu_text="Thailand | Thai" onclick="switchLanguage('/th-th','/th-th', this); return false;"> Thai</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Vietnam </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-vn' class="country-selector__languages" aria-label="Willis Towers Watson Vietnam website in English, click to navigate to website" data-current_country="Vietnam" data-current_language="English" data-menu_text="Vietnam | English" onclick="switchLanguage('/en-vn','/en-vn', this); return false;"> English</a> </li> </ul> </td> </tr> </tbody> </table> </div> </div> </div> <div class="country-selector__accordion-item"> <button class="collapsed btn heading-4 container country-selector__accordion-btn" type="button" data-toggle="collapse" data-target="#region2" aria-expanded="false" aria-controls="region2" id="region-2" aria-label="Accordion menu, Europe locations, click to expand / collapse the list of websites and languages available" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Choose your location" data-cdlabel="Europe" data-cilabel="/sitecore/content/WTW/insights/2021/01/bridging-the-splinternet" data-ctlabel="Region Open" onclick="if ($(this).hasClass('collapsed')) { $(this).data('ctlabel', 'Region Open') } else { $(this).data('ctlabel', 'Region Close') } linkClick(this);"> <span class="row align-items-center"> <span class="col-12 col-md-9 text-left">Europe</span> </span> <span class="material-symbols-outlined country-selector__icon" aria-hidden="true">arrow_drop_down</span> </button> <div id="region2" class="container collapse" aria-labelledby="region-2" data-parent="#country-accordion"> <div class="row table-responsive"> <table class="col col-12 table"> <caption> List of website locations and languages available in Europe </caption> <thead> <tr> <th scope="col">Location</th> <th scope="col">Languages Available</th> </tr> </thead> <tbody> <tr> <td class="heading-6 align-text-top">Austria </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/de-at' class="country-selector__languages" aria-label="Willis Towers Watson Austria website in German, click to navigate to website" data-current_country="Austria" data-current_language="German" data-menu_text="Austria | German" onclick="switchLanguage('/de-at','/de-at', this); return false;"> German</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Belgium </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-be' class="country-selector__languages" aria-label="Willis Towers Watson Belgium website in English, click to navigate to website" data-current_country="Belgium" data-current_language="English" data-menu_text="Belgium | English" onclick="switchLanguage('/en-be','/en-be', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/fr-be' class="country-selector__languages" aria-label="Willis Towers Watson Belgium website in French, click to navigate to website" data-current_country="Belgium" data-current_language="French" data-menu_text="Belgium | French" onclick="switchLanguage('/fr-be','/fr-be', this); return false;"> French</a> </li> <li class="d-inline-block"> <a href='/nl-be' class="country-selector__languages" aria-label="Willis Towers Watson Belgium website in Flemish, click to navigate to website" data-current_country="Belgium" data-current_language="Flemish" data-menu_text="Belgium | Flemish" onclick="switchLanguage('/nl-be','/nl-be', this); return false;"> Flemish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Croatia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-hr' class="country-selector__languages" aria-label="Willis Towers Watson Croatia website in English, click to navigate to website" data-current_country="Croatia" data-current_language="English" data-menu_text="Croatia | English" onclick="switchLanguage('/en-hr','/en-hr', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/hr-hr' class="country-selector__languages" aria-label="Willis Towers Watson Croatia website in Croatian, click to navigate to website" data-current_country="Croatia" data-current_language="Croatian" data-menu_text="Croatia | Croatian" onclick="switchLanguage('/hr-hr','/hr-hr', this); return false;"> Croatian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Czech Republic </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-cz' class="country-selector__languages" aria-label="Willis Towers Watson Czech Republic website in English, click to navigate to website" data-current_country="Czech Republic" data-current_language="English" data-menu_text="Czech Republic | English" onclick="switchLanguage('/en-cz','/en-cz', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/cs-cz' class="country-selector__languages" aria-label="Willis Towers Watson Czech Republic website in Czech, click to navigate to website" data-current_country="Czech Republic" data-current_language="Czech" data-menu_text="Czech Republic | Czech" onclick="switchLanguage('/cs-cz','/cs-cz', this); return false;"> Czech</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Denmark </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/da-dk' class="country-selector__languages" aria-label="Willis Towers Watson Denmark website in Danish, click to navigate to website" data-current_country="Denmark" data-current_language="Danish" data-menu_text="Denmark | Danish" onclick="switchLanguage('/da-dk','/da-dk', this); return false;"> Danish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Finland </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fi-fi' class="country-selector__languages" aria-label="Willis Towers Watson Finland website in Finnish, click to navigate to website" data-current_country="Finland" data-current_language="Finnish" data-menu_text="Finland | Finnish" onclick="switchLanguage('/fi-fi','/fi-fi', this); return false;"> Finnish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">France </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fr-fr' class="country-selector__languages" aria-label="Willis Towers Watson France website in French, click to navigate to website" data-current_country="France" data-current_language="French" data-menu_text="France | French" onclick="switchLanguage('/fr-fr','/fr-fr', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Germany </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/de-de' class="country-selector__languages" aria-label="Willis Towers Watson Germany website in German, click to navigate to website" data-current_country="Germany" data-current_language="German" data-menu_text="Germany | German" onclick="switchLanguage('/de-de','/de-de', this); return false;"> German</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Greece </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/el-gr' class="country-selector__languages" aria-label="Willis Towers Watson Greece website in Greek, click to navigate to website" data-current_country="Greece" data-current_language="Greek" data-menu_text="Greece | Greek" onclick="switchLanguage('/el-gr','/el-gr', this); return false;"> Greek</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Hungary </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/hu-hu' class="country-selector__languages" aria-label="Willis Towers Watson Hungary website in Hungarian, click to navigate to website" data-current_country="Hungary" data-current_language="Hungarian" data-menu_text="Hungary | Hungarian" onclick="switchLanguage('/hu-hu','/hu-hu', this); return false;"> Hungarian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Ireland </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ie' class="country-selector__languages" aria-label="Willis Towers Watson Ireland website in English, click to navigate to website" data-current_country="Ireland" data-current_language="English" data-menu_text="Ireland | English" onclick="switchLanguage('/en-ie','/en-ie', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Italy </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/it-it' class="country-selector__languages" aria-label="Willis Towers Watson Italy website in Italian, click to navigate to website" data-current_country="Italy" data-current_language="Italian" data-menu_text="Italy | Italian" onclick="switchLanguage('/it-it','/it-it', this); return false;"> Italian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Kazakhstan </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/kk-kz' class="country-selector__languages" aria-label="Willis Towers Watson Kazakhstan website in Kazakh, click to navigate to website" data-current_country="Kazakhstan" data-current_language="Kazakh" data-menu_text="Kazakhstan | Kazakh" onclick="switchLanguage('/kk-kz','/kk-kz', this); return false;"> Kazakh</a> </li> <li class="d-inline-block"> <a href='/ru-kz' class="country-selector__languages" aria-label="Willis Towers Watson Kazakhstan website in Russian, click to navigate to website" data-current_country="Kazakhstan" data-current_language="Russian" data-menu_text="Kazakhstan | Russian" onclick="switchLanguage('/ru-kz','/ru-kz', this); return false;"> Russian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Luxembourg </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fr-lu' class="country-selector__languages" aria-label="Willis Towers Watson Luxembourg website in French, click to navigate to website" data-current_country="Luxembourg" data-current_language="French" data-menu_text="Luxembourg | French" onclick="switchLanguage('/fr-lu','/fr-lu', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Netherlands </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/nl-nl' class="country-selector__languages" aria-label="Willis Towers Watson Netherlands website in Dutch, click to navigate to website" data-current_country="Netherlands" data-current_language="Dutch" data-menu_text="Netherlands | Dutch" onclick="switchLanguage('/nl-nl','/nl-nl', this); return false;"> Dutch</a> </li> <li class="d-inline-block"> <a href='/en-nl' class="country-selector__languages" aria-label="Willis Towers Watson Netherlands website in English, click to navigate to website" data-current_country="Netherlands" data-current_language="English" data-menu_text="Netherlands | English" onclick="switchLanguage('/en-nl','/en-nl', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Norway </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/nn-no' class="country-selector__languages" aria-label="Willis Towers Watson Norway website in Norwegian, click to navigate to website" data-current_country="Norway" data-current_language="Norwegian" data-menu_text="Norway | Norwegian" onclick="switchLanguage('/nn-no','/nn-no', this); return false;"> Norwegian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Poland </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/pl-pl' class="country-selector__languages" aria-label="Willis Towers Watson Poland website in Polish, click to navigate to website" data-current_country="Poland" data-current_language="Polish" data-menu_text="Poland | Polish" onclick="switchLanguage('/pl-pl','/pl-pl', this); return false;"> Polish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Portugal </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/pt-pt' class="country-selector__languages" aria-label="Willis Towers Watson Portugal website in Portuguese, click to navigate to website" data-current_country="Portugal" data-current_language="Portuguese" data-menu_text="Portugal | Portuguese" onclick="switchLanguage('/pt-pt','/pt-pt', this); return false;"> Portuguese</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Romania </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/ro-ro' class="country-selector__languages" aria-label="Willis Towers Watson Romania website in Romanian, click to navigate to website" data-current_country="Romania" data-current_language="Romanian" data-menu_text="Romania | Romanian" onclick="switchLanguage('/ro-ro','/ro-ro', this); return false;"> Romanian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Serbia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/sr-rs' class="country-selector__languages" aria-label="Willis Towers Watson Serbia website in Serbian, click to navigate to website" data-current_country="Serbia" data-current_language="Serbian" data-menu_text="Serbia | Serbian" onclick="switchLanguage('/sr-rs','/sr-rs', this); return false;"> Serbian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Slovakia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/sk-sk' class="country-selector__languages" aria-label="Willis Towers Watson Slovakia website in Slovak, click to navigate to website" data-current_country="Slovakia" data-current_language="Slovak" data-menu_text="Slovakia | Slovak" onclick="switchLanguage('/sk-sk','/sk-sk', this); return false;"> Slovak</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Spain </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-es' class="country-selector__languages" aria-label="Willis Towers Watson Spain website in Spanish, click to navigate to website" data-current_country="Spain" data-current_language="Spanish" data-menu_text="Spain | Spanish" onclick="switchLanguage('/es-es','/es-es', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Sweden </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-se' class="country-selector__languages" aria-label="Willis Towers Watson Sweden website in English, click to navigate to website" data-current_country="Sweden" data-current_language="English" data-menu_text="Sweden | English" onclick="switchLanguage('/en-se','/en-se', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/sv-se' class="country-selector__languages" aria-label="Willis Towers Watson Sweden website in Swedish, click to navigate to website" data-current_country="Sweden" data-current_language="Swedish" data-menu_text="Sweden | Swedish" onclick="switchLanguage('/sv-se','/sv-se', this); return false;"> Swedish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Switzerland </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ch' class="country-selector__languages" aria-label="Willis Towers Watson Switzerland website in English, click to navigate to website" data-current_country="Switzerland" data-current_language="English" data-menu_text="Switzerland | English" onclick="switchLanguage('/en-ch','/en-ch', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/fr-ch' class="country-selector__languages" aria-label="Willis Towers Watson Switzerland website in French, click to navigate to website" data-current_country="Switzerland" data-current_language="French" data-menu_text="Switzerland | French" onclick="switchLanguage('/fr-ch','/fr-ch', this); return false;"> French</a> </li> <li class="d-inline-block"> <a href='/de-ch' class="country-selector__languages" aria-label="Willis Towers Watson Switzerland website in German, click to navigate to website" data-current_country="Switzerland" data-current_language="German" data-menu_text="Switzerland | German" onclick="switchLanguage('/de-ch','/de-ch', this); return false;"> German</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Turkey </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/tr-tr' class="country-selector__languages" aria-label="Willis Towers Watson Turkey website in Turkish, click to navigate to website" data-current_country="Turkey" data-current_language="Turkish" data-menu_text="Turkey | Turkish" onclick="switchLanguage('/tr-tr','/tr-tr', this); return false;"> Turkish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Ukraine </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/uk-ua' class="country-selector__languages" aria-label="Willis Towers Watson Ukraine website in Ukrainian, click to navigate to website" data-current_country="Ukraine" data-current_language="Ukrainian" data-menu_text="Ukraine | Ukrainian" onclick="switchLanguage('/uk-ua','/uk-ua', this); return false;"> Ukrainian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">United Kingdom </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-gb' class="country-selector__languages" aria-label="Willis Towers Watson United Kingdom website in English, click to navigate to website" data-current_country="United Kingdom" data-current_language="English" data-menu_text="United Kingdom | English" onclick="switchLanguage('/en-gb','/en-gb', this); return false;"> English</a> </li> </ul> </td> </tr> </tbody> </table> </div> </div> </div> <div class="country-selector__accordion-item"> <button class="collapsed btn heading-4 container country-selector__accordion-btn" type="button" data-toggle="collapse" data-target="#region3" aria-expanded="false" aria-controls="region3" id="region-3" aria-label="Accordion menu, Middle East and Africa locations, click to expand / collapse the list of websites and languages available" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Choose your location" data-cdlabel="Middle East and Africa" data-cilabel="/sitecore/content/WTW/insights/2021/01/bridging-the-splinternet" data-ctlabel="Region Open" onclick="if ($(this).hasClass('collapsed')) { $(this).data('ctlabel', 'Region Open') } else { $(this).data('ctlabel', 'Region Close') } linkClick(this);"> <span class="row align-items-center"> <span class="col-12 col-md-9 text-left">Middle East and Africa</span> </span> <span class="material-symbols-outlined country-selector__icon" aria-hidden="true">arrow_drop_down</span> </button> <div id="region3" class="container collapse" aria-labelledby="region-3" data-parent="#country-accordion"> <div class="row table-responsive"> <table class="col col-12 table"> <caption> List of website locations and languages available in Middle East and Africa </caption> <thead> <tr> <th scope="col">Location</th> <th scope="col">Languages Available</th> </tr> </thead> <tbody> <tr> <td class="heading-6 align-text-top">Cameroon </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-cm' class="country-selector__languages" aria-label="Willis Towers Watson Cameroon website in English, click to navigate to website" data-current_country="Cameroon" data-current_language="English" data-menu_text="Cameroon | English" onclick="switchLanguage('/en-cm','/en-cm', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/fr-cm' class="country-selector__languages" aria-label="Willis Towers Watson Cameroon website in French, click to navigate to website" data-current_country="Cameroon" data-current_language="French" data-menu_text="Cameroon | French" onclick="switchLanguage('/fr-cm','/fr-cm', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Congo </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fr-cd' class="country-selector__languages" aria-label="Willis Towers Watson Congo website in French, click to navigate to website" data-current_country="Congo" data-current_language="French" data-menu_text="Congo | French" onclick="switchLanguage('/fr-cd','/fr-cd', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Egypt </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-eg' class="country-selector__languages" aria-label="Willis Towers Watson Egypt website in English, click to navigate to website" data-current_country="Egypt" data-current_language="English" data-menu_text="Egypt | English" onclick="switchLanguage('/en-eg','/en-eg', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Ghana </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-gh' class="country-selector__languages" aria-label="Willis Towers Watson Ghana website in English, click to navigate to website" data-current_country="Ghana" data-current_language="English" data-menu_text="Ghana |English" onclick="switchLanguage('/en-gh','/en-gh', this); return false;">English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Ivory Coast </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fr-ci' class="country-selector__languages" aria-label="Willis Towers Watson Ivory Coast website in French, click to navigate to website" data-current_country="Ivory Coast" data-current_language="French" data-menu_text="Ivory Coast | French" onclick="switchLanguage('/fr-ci','/fr-ci', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Israel </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-il' class="country-selector__languages" aria-label="Willis Towers Watson Israel website in English, click to navigate to website" data-current_country="Israel" data-current_language="English" data-menu_text="Israel | English" onclick="switchLanguage('/en-il','/en-il', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Jordan </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-jo' class="country-selector__languages" aria-label="Willis Towers Watson Jordan website in English, click to navigate to website" data-current_country="Jordan" data-current_language="English" data-menu_text="Jordan | English" onclick="switchLanguage('/en-jo','/en-jo', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Kenya </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ke' class="country-selector__languages" aria-label="Willis Towers Watson Kenya website in English, click to navigate to website" data-current_country="Kenya" data-current_language="English" data-menu_text="Kenya | English" onclick="switchLanguage('/en-ke','/en-ke', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Kuwait </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-kw' class="country-selector__languages" aria-label="Willis Towers Watson Kuwait website in English, click to navigate to website" data-current_country="Kuwait" data-current_language="English" data-menu_text="Kuwait | English" onclick="switchLanguage('/en-kw','/en-kw', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Mauritius </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-mu' class="country-selector__languages" aria-label="Willis Towers Watson Mauritius website in English, click to navigate to website" data-current_country="Mauritius" data-current_language="English" data-menu_text="Mauritius | English" onclick="switchLanguage('/en-mu','/en-mu', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Nigeria </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ng' class="country-selector__languages" aria-label="Willis Towers Watson Nigeria website in English, click to navigate to website" data-current_country="Nigeria" data-current_language="English" data-menu_text="Nigeria | English" onclick="switchLanguage('/en-ng','/en-ng', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Saudi Arabia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-sa' class="country-selector__languages" aria-label="Willis Towers Watson Saudi Arabia website in English, click to navigate to website" data-current_country="Saudi Arabia" data-current_language="English" data-menu_text="Saudi Arabia | English" onclick="switchLanguage('/en-sa','/en-sa', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Senegal </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fr-sn' class="country-selector__languages" aria-label="Willis Towers Watson Senegal website in French, click to navigate to website" data-current_country="Senegal" data-current_language="French" data-menu_text="Senegal | French" onclick="switchLanguage('/fr-sn','/fr-sn', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">South Africa </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-za' class="country-selector__languages" aria-label="Willis Towers Watson South Africa website in English, click to navigate to website" 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d-lg-table-cell " href="#how-we-serve-our-clients" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Jump Navigation" data-ewlabel="Jump Navigation" data-cdlabel="How we serve our clients" data-cilabel="/sitecore/content/WTW/industries/food-beverage-and-agriculture" data-ctlabel="How we serve our clients"> How we serve our clients </a> </div> </div> </div> </div> </div> </div> </div> </nav> <section class="container mt-3 pt-3 mt-lg-4 pt-lg-4"> <div class="row"> <article class="col-12 col-lg-7"> <p><strong>In a fast-changing world, food, beverage and agriculture businesses face a growing list of risks, from climate change and water shortages to geopolitical instability and cyber threats.</strong></p> <p>We can help you navigate this rapidly changing risk landscape and find opportunities to grow through global thinking and creative risk and insurance solutions.</p> <h2 class="heading-3">Who we are</h2> <p>To address these challenges, you need a partner with knowledge in multiple disciplines. We are more than simply an insurance broker. Our food, beverage and agriculture practice has access to the skilled talent across WTW in the areas of:</p> <ul class="unordered-list"> <li>Property and liability</li> <li>Crisis management</li> <li>Supply chain disruption</li> <li>Environmental risk</li> <li>Product recall and contaminated products</li> <li>Business continuity</li> <li>Cyber risk</li> <li>Environmental, social and governance (ESG)</li> <li>Reputational risk</li> <li>Claims management</li> <li>Mergers and acquisitions</li> <li>Political risk</li> <li>Trade credit</li> </ul> <div class="wtw-icon-module"> <span class="icons8-globe-earth icons8-area-chart" aria-hidden="true"></span> <p class="heading-4">One global team offering wide insurance market access</p> <p>Our global food, beverage and agriculture practice brings together all our specialists from around the world in one networked group.</p> <p>We can help you find the most suitable insurance coverage and risk management solutions anywhere in the world through our broking expertise in 120 countries via a single hub. </p> </div> <div class="wtw-icon-module"> <span class="icons8-people icons8-area-chart" aria-hidden="true"></span> <p class="heading-4">End-to-end risk management</p> <p>Our team includes specialists in risk engineering, data and analytics, multinational client service and policy wordings.</p> <p>With this combined knowledge and experience, we can help you:</p> <ul class="unordered-list"> <li>Understand and mitigate your unique risks</li> <li>Build resilience across your supply chains</li> <li>Manage the cyber risk that comes with increasing automation</li> <li>Address emerging geopolitical challenges</li> <li>Protect against environmental and climate risks</li> <li>Reduce the overall cost of risk to your business</li> </ul> </div> <div class="wtw-icon-module"> <span class="icons8-tree-planting icons8-area-chart" aria-hidden="true"></span> <p class="heading-4">A focus on sustainability</p> <p>We’re both an insurance broker and a consulting firm. Our ESG and sustainability specialists can help your organization address ESG and sustainability issues and incorporate them into all you do.</p> <p>The growing adoption of ESG standards has pushed environmental issues up the boardroom agenda.</p> <p>Our ESG and sustainability team can help your leaders and board develop a coherent ESG strategy that addresses your role in environmental stewardship.</p> </div> </article> <aside class="col-12 offset-lg-1 col-lg-4"> <div class="people"> <h2 class="heading-5"> Contacts </h2> <hr class="horizontal-rule--thick"> <div class="media"> <div class="media-body"> <div class="font-p-small font-weight-semibold">  Christian Ryan  </div> <div class="font-p-small">North American Industry Leader</div> <div class="font-p-small people__contact-info"> <span class="people__contact-email"> <span class="material-symbols-outlined">email</span> <a href="mailto:christian.ryan@wtwco.com" class="font-weight-bold" aria-label="Click to email Christian Ryan" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="People Authors Bios" data-cdlabel="Email"> Email </a> </span> </div> </div> </div> <hr> <div class="media"> <div class="media-body"> <div class="font-p-small font-weight-semibold">  Randi Harwood  </div> <div class="font-p-small">Global Client Advocate</div> <div class="font-p-small people__contact-info"> <span class="people__contact-email"> <span class="material-symbols-outlined">email</span> <a href="mailto:randi.harwood@wtwco.com" class="font-weight-bold" aria-label="click to email Randi Harwood" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="People Authors Bios" data-cdlabel="Email"> Email </a> </span> <span class="people__contact-phone"> <span class="material-symbols-outlined">phone</span> <a href="tel:+1 312 288 7437" class="font-weight-bold" aria-label="click to phone Randi Harwood" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="People Authors Bios"> +1 312 288 7437 </a> </span> </div> </div> </div> <hr> </div> <a href="https://www.wtwco.com/en-bm/insights/2024/05/global-food-beverage-and-agriculture-risk-report-2024" data-cdlabel="Global Food, Beverage and Agriculture Risk Report 2024" onclick="linkClick(this);" data-selabel="Featured Content Card - Right Rail" class="card related-content-card related-content-card--aside" data-cilabel="/sitecore/content/WTW/insights/2024/05/global-food-beverage-and-agriculture-risk-report-2024" data-ewlabel="Survey Report" data-etlabel="internal_link_click" ><div class="related-content-card__img-container"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/GettyImages-1419274432-1610.jpg?modified=20240510073610&imgeng=meta_true&la=en-BM&h=776&w=1242&mw=1242&hash=4416FCF6A2DDFCB75B103494451CFAF7" loading="lazy" class="card-img-top" role="presentation" alt="" /></div> <div class="card-body"> <div class="related-content-card__eyebrow"> Survey Report </div> <div class="card-title heading-5"> Global Food, Beverage and Agriculture Risk Report 2024 </div> </div> </a> <section class="related-content-aside"> <h2 class="heading-5">Related content</h2> <hr class="horizontal-rule--thick horizontal-rule--dark"> <div class="related-content-aside__item"> <p class="font-mono-small related-content-aside__eyebrow">Service</p> <a href="https://www.wtwco.com/en-bm/solutions/services/aquaculture-insurance" class="heading-6 related-content-aside__link" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Content Matrix - Small - Right Rail" data-ewlabel="Service" data-cdlabel="Aquaculture Insurance" data-cilabel="/sitecore/content/WTW/solutions/services/aquaculture-insurance" data-ctlabel="Service">Aquaculture Insurance</a> </div> </section> </aside> </div> </section> <div id="who-we-serve"></div> <section class="container mt-3 pt-3 mt-lg-4 pt-lg-4"> <div class="row"> <article class="col-12 col-lg-7"> <h3 class="heading-4">Tailored risk management solutions for diverse food, beverage, and agriculture sectors</h3> <p>We provide a service with traditional values, advice and relationships you can trust, with specialist knowledge to help serve:</p> <ul class="unordered-list"> <li>Food producers and agribusiness </li> <li>Food manufacturers and processors</li> <li>Livestock and aquaculture</li> <li>Brewers, distillers and soft drink companies</li> <li>Bottlers</li> <li>Dairies</li> <li>Restaurants</li> <li>Vineyards</li> <li>Farmers</li> <li>Fruit producers and processors</li> <li>Distributors</li> <li>Wholesalers</li> </ul> <div class="wtw-stat-module"> <p class="stat-item"><span class="stat-number">2000</span> <span class="stat-text heading-6">food, beverage and agriculture clients globally</span> </p> </div> <div class="wtw-stat-module mb-4"> <p class="stat-item"><span class="stat-number">120</span> <span class="stat-text heading-6">countries in which we offer access to global insurance markets through our Direct and Facultative broking expertise</span> </p> </div> <p class="font-p-disclaimer">Stats as at 1 September 2024</p> </article> <aside class="col-12 offset-lg-1 col-lg-4"> </aside> </div> </section> <div id="what-makes-us-different"></div> <section class="container mt-3 pt-3 mt-lg-4 pt-lg-4"> <div class="row"> <article class="col-12 col-lg-7"> <h2 class="heading-3">What sets our food, beverage, and agriculture insurance services apart</h2> <div class="wtw-icon-module"> <span class="icons8-connected-people icons8-area-chart" aria-hidden="true"></span> <p class="heading-4">Multidiscipline approach</p> <p>When you partner with us, you gain access to WTW’s vast network of specialists. We can help you address more than traditional risks facing the food, beverage and agriculture industries.</p> <p>We understand the emerging threats, from growing automation and digitalization to the impact of conflicts and climate change on food production. We also understand the changes in how businesses operate and work is done. Our human capital teams can help you address your people issues, too.</p> </div> <div class="wtw-icon-module"> <span class="icons8-financial-growth-analysis icons8-area-chart" aria-hidden="true"></span> <p class="heading-4">Sophisticated risk analytics and loss modeling</p> <p>Everything we do is underpinned by risk analytics. Our sophisticated loss modeling capabilities, including catastrophe and climate risks, can help you predict likely risks years ahead and plan effective risk management strategies to deal with them.</p> </div> <div class="wtw-icon-module"> <span class="icons8-natural-user-interface-2 icons8-area-chart" aria-hidden="true"></span> <p class="heading-4">Insights on emerging risks and trends</p> <p>Our multidiscipline teams can provide you with regular, in-depth insights on emerging risks and trends affecting the food, beverage and agriculture industries and the insurance marketplace.</p> <p>Whether your concerns are environmental or geopolitical, we can help you understand how they may affect your business.</p> <p>Our goal is to help you stay ahead of events by looking beyond the headlines to help you implement the right risk solutions for your organization.</p> </div> <div class="wtw-icon-module"> <span class="icons8-money icons8-area-chart" aria-hidden="true"></span> <p class="heading-4">Cost control</p> <p>Our evaluation and analysis of your risk exposures can provide insights that help to minimize the total cost of risk to your business.</p> </div> </article> <aside class="col-12 offset-lg-1 col-lg-4"> </aside> </div> </section> <div id="our-expertise"></div> <section class="container mt-3 pt-3 mt-lg-4 pt-lg-4"> <div class="row"> <article class="col-12 col-lg-7"> <h3 class="heading-4">Our expertise in managing risks for food, beverage, and agriculture businesses </h3> <p>We have deep collective knowledge and experience in the food, beverage and agriculture sector. Our clients span the full supply chain from farm to fork, seed to supermarket shelf.</p> <p>Our specialists have a proven track record of delivering advice, insurance and risk management solutions across a wide range of risk areas and lines of business, including:</p> </article> <aside class="col-12 offset-lg-1 col-lg-4"> </aside> </div> </section> <section class="container mt-3 pt-3 mt-lg-4 pt-lg-4"> <div class="row"> <article class="col-12 col-lg-7"> <div class="wtw-icon-module"> <img src="https://media.wtwco.com/-/media/WTW/icons/wtw-icon-addressing-geopolitical-risks.svg?modified=20230809185709&imgeng=meta_true" alt="Addressing geopolitical risks"> <p class="heading-4">Addressing geopolitical risks</p> <p>The food and beverage industry faces increasing geopolitical risk. Conflicts in Europe, the Middle East and Africa have exacerbated those risks, impacting markets well beyond those operating in the region. </p> <p>Simultaneously, several other geopolitical trends, such as tariffs and other trade barriers, are also impacting the food, beverage and agriculture industries, highlighting the need to understand global and local political risks.</p> <p>At the same time, several other geopolitical themes, such as tariffs and other trade barriers, are also impacting the food, beverage and agriculture industries, highlighting the need to understand global and local political risks.</p> <p>Our geopolitical risk team can help you address your exposures to such conflicts and keep you aware of developments beyond the headlines.</p> </div> <div class="wtw-icon-module"> <img src="https://media.wtwco.com/-/media/WTW/icons/wtw-icon-navigating-supply-chain-disruption.svg?modified=20230809185531&imgeng=meta_true" alt="Navigating supply chain disruption"> <p class="heading-4">Navigating supply chain disruption</p> <p>The food, beverage and agriculture industries face a growing number of challenges, from natural disasters to political problems, trade disputes and human and animal pandemics. It also faces traditional risks like product recalls, factory and warehouse fires. Any of these threats can interrupt production and delivery, which could devastate a business that operates on tight schedules and margins.</p> <div class="wtw-stat-module mb-5"> <p class="stat-item"><span class="stat-number">48<span class="stat-small">%</span></span> <span class="stat-text mb-3"> <span class="heading-6"> of executives cited business interruption and 40% supply chain among the greatest internal risks to business success over the next two years. </span> </span> </p> <p class="font-p-disclaimer mb-4">WTW Global Food, Beverage and Agriculture Risk Report 2024<sup><a href="#footnote-ref-1" class="footnote-link" id="footnote-1" aria-label="Footnote link; navigate to footnote 1 reference" aria-describedby="footnotes">[1]</a></sup></p> </div> <p>Managing these supply chain risks has become a top priority, with just-in-time methods facing increasing scrutiny.</p> <p>You need a partner with a deep understanding of supply chains. We have multiple teams across WTW that can help you, including:</p> <ul class="unordered-list"> <li>Marine</li> <li>Transportation and logistics</li> <li>Pandemic response and resilience</li> <li>Non-damage business interruption</li> </ul> </div> </article> <aside class="col-12 offset-lg-1 col-lg-4"> <div class="wtw-stat-module"> <p class="stat-item"><span class="stat-number">48<span class="stat-small">%</span></span> <span class="stat-text mb-3"> <span class="heading-6"> of industry executives say geopolitical factors are among the greatest barriers to addressing their risks over the next three to five years.</span> </span> </p> <p class="font-p-disclaimer mb-4">WTW Global Food, Beverage and Agriculture Risk Report 2024<sup><a href="#footnote-ref-1" class="footnote-link" id="footnote-1" aria-label="Footnote link; navigate to footnote 1 reference" aria-describedby="footnotes">[1]</a></sup></p> </div> </aside> </div> </section> <section class="container mt-3 pt-3 mt-lg-4 pt-lg-4"> <div class="row"> <article class="col-12 col-lg-7"> <div class="wtw-icon-module"> <img src="https://media.wtwco.com/-/media/WTW/icons/wtw-icon-addressing-environmental-exposures.svg?modified=20230809185631&imgeng=meta_true" alt="Addressing environmental exposures"> <p class="heading-4">Addressing environmental exposures and climate risks</p> <p>Public and political awareness of business’ impact on the environment has increased pressure on the food,beverage and agriculture industry to improve environmental standards and reduce pollution leaching into rivers and seas.</p> <p>Our environmental team can help you address these environmental risks.</p> <p>Meanwhile, the sector is acutely affected by the changing climate. Extreme weather events, like droughts and floods, are already affecting property risks, and how and where food and beverage producers source raw materials. </p> <p>Furthermore, the transition to a low-carbon economy is creating significant changes in economic activity, asset values and profitability across the world.</p> <p>These shifts mean both identifying and executing optimal choices on low-carbon transitions are increasingly complex. We offer a wide range of climate consultancy services and tools that can help food, beverage and agriculture businesses address these challenges:</p> <ul> <li><a href="https://www.wtwco.com/en-bm/solutions/products/climate-quantified" aria-label="Internal link, click here to read Climate Quantified">Climate Quantified</a> analyzes all of your climate risks to show how they affect your operations and assets. It also evaluates the impact of climate risks on your supply chain partners and customers, bringing a new level of clarity to your decision making and how you communicate managing climate-related risks.</li> <li><a href="https://www.wtwco.com/en-bm/solutions/products/climate-diagnostic">Climate Diagnostic</a> can assess the likely risks at particular locations over time, based on future climate trends and scenarios.</li> <li>Our Crop Risks and Opportunities Platform (CROP) uses layers of geodata, such as soil pH, salinity and temperature, to model the suitability of growing a crop in a location in different future time horizons and climate scenarios.</li> </ul> </div> <div class="wtw-icon-module"> <img src="https://media.wtwco.com/-/media/WTW/icons/wtw-icon-protecting-your-automation-from-cyber-risks.svg?modified=20230809185903&imgeng=meta_true" alt="Protecting your automation from cyber risks"> <p class="heading-4">Protecting your automation from cyber risks</p> <p>Automation and digitization continue to revolutionize the food, beverage and agriculture industries, giving businesses the opportunity to optimize processes through new technologies, leading to increased efficiency, flexibility in production and sustainability.</p> <p>But with increased automation comes new cyber risks, such as ransomware and cyberattacks that can disrupt your operations.</p> <p>Our cyber risk team can help you ensure your digital systems are resilient, whether through cyber security tools or cyber insurance. </p> </div> </article> <aside class="col-12 offset-lg-1 col-lg-4"> <div class="wtw-stat-module"> <p class="stat-item"><span class="stat-number">71<span class="stat-small">%</span></span> <span class="stat-text mb-3"> <span class="heading-6"> of executives named climate change among the top environmental factors posing the greatest risk to their business. </span> </span> </p> <p class="font-p-disclaimer mb-4">WTW Global Food, Beverage and Agriculture Risk Report 2024<sup><a href="#footnote-ref-1" class="footnote-link" id="footnote-1" aria-label="Footnote link; navigate to footnote 1 reference" aria-describedby="footnotes">[1]</a></sup></p> </div> </aside> </div> </section> <section class="container mt-3 pt-3 mt-lg-4 pt-lg-4"> <div class="row"> <article class="col-12 col-lg-7"> <div class="wtw-icon-module"> <img src="https://media.wtwco.com/-/media/WTW/icons/wtw-icon-reputaional-risk.svg?modified=20230809185816&imgeng=meta_true" alt="Managing reputational risk"> <p class="heading-4">Managing reputational risk</p> <p>Your reputation is a valuable asset, but thanks to social media, it can easily be damaged. Social media provides a platform for dissatisfaction to reach an audience of millions within seconds and can lead to lost sales and market cap.</p> <p>Food, beverage and agriculture businesses face unique reputational risks, including recalls that sicken customers, labor issues, animal welfare and environmental stewardship.</p> <p>Furthermore, your suppliers’ or partners’ practices can impact your brand.</p> <p>While the claims cost to recall, remove and replace products in the food and beverage industry can be high, the impact of a consumer boycott on a brand’s reputation is equally high.</p> <p>Both our product liability and contaminated products teams and our reputational risk team can help you address such a scenario.</p> </div> </article> <aside class="col-12 offset-lg-1 col-lg-4"> <div class="wtw-stat-module"> <p class="stat-item mb-0"><span class="stat-number">38<span class="stat-small">%</span></span> <span class="stat-text mb-3"> <span class="heading-6"> of executives rated reputation among their top internal risks to their business over the next two years. </span> </span> </p> <p class="font-p-disclaimer mb-4">WTW Global Food, Beverage and Agriculture Risk Report 2024<sup><a href="#footnote-ref-1" class="footnote-link" id="footnote-1" aria-label="Footnote link; navigate to footnote 1 reference" aria-describedby="footnotes">[1]</a></sup></p> </div> </aside> </div> </section> <div id="how-we-serve-our-clients"></div> <section class="container mt-3 pt-3 mt-lg-4 pt-lg-4"> <div class="row"> <article class="col-12 col-lg-7"> <aside class="wtw-fact-box mb-5"> <h3 class="heading-4">How we deliver effective risk management and insurance solutions</h3> <p>We combine our specialist industry knowledge with our <a href="https://www.wtwco.com/en-gb/solutions/risk-and-analytics" aria-label="Internal Link, Click to read Risk and Analytics"> data and analytics</a> capabilities to design optimum, cost-efficient insurance program structures.</p> <p>Our broking specialists then access the global insurance market, identifying the best insurance partners to fit your risk.</p> <p>All of which is easily accessible to you through our client portal, ensuring instant access to risk information for efficient and proactive decision making.</p> </aside> <p>For specialist help discovering smarter ways to manage risk in the food, beverage and agriculture sector, please get in touch with the contacts listed at the top of the page. </p> <h3 class="heading-4" id="#footnotes">Footnote</h3> <ol class="footnotes font-p-disclaimer"> <li> <cite><a href="https://www.wtwco.com/en-bm/insights/2024/05/global-food-beverage-and-agriculture-risk-report-2024" id="footnote-ref-1">Global Food, Beverage and Agriculture Risk Report 2024</a></cite>, <a href="#footnote-1" aria-label="navigate back to reference 1">Return to article <span class="material-symbols-outlined" aria-hidden="true">undo</span></a> </li> </ol> </article> <aside class="col-12 offset-lg-1 col-lg-4"> </aside> </div> </section> <section class="container related-content-matrix" id="related-capabilities"> <div class="container"> <div class="row"> <div class="col col-md-10 col-xl-6"> <h2 class="heading-3">Related capabilities</h2> <p class="font-p-large text-faded"></p> </div> </div> <div class="row"> <div class="col-12 col-md-4 col-xl-3"> <a href="https://www.wtwco.com/en-bm/solutions/products/contaminated-products-insurance-for-food-and-beverage-companies" title="Contaminated products insurance for food and beverage companies" class="related-matrix-item-link" data-capability-id="958ad662-1059-4016-aee2-fb109c02a6e4" data-capability-code="contaminated-products-insurance-for-food-and-beverage-companies" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Contaminated products insurance for food and beverage companies" data-cilabel="/sitecore/content/WTW/solutions/products/contaminated-products-insurance-for-food-and-beverage-companies"> <div class="related-matrix-item"> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Contaminated products insurance for food and beverage companies </div> <p class="font-p-small">Our solution can support and complement your risk management strategy by minimising the ﬁnancial repercussions of a product crisis and enabling brand recovery.</p> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> <div class="col-12 col-md-4 col-xl-3"> <a href="https://www.wtwco.com/en-bm/solutions/services/cyber-insurance-for-food-beverage-and-agriculture" title="Cyber insurance for food, beverage and agriculture" class="related-matrix-item-link" data-capability-id="32e3caf4-b914-4cbc-93a3-0915df41decb" data-capability-code="Seguro cibernético para o setor de alimentos, bebidas e agricultura" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Cyber insurance for food, beverage and agriculture" data-cilabel="/sitecore/content/WTW/solutions/services/cyber-insurance-for-food-beverage-and-agriculture"> <div class="related-matrix-item"> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Cyber insurance for food, beverage and agriculture </div> <p class="font-p-small">Cyber-attacks on food and drink companies are increasing as technology becomes embedded in every part of the sector. WTW can help you assess, quantify and protect against these exposures.</p> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> <div class="col-12 col-md-4 col-xl-3"> <a href="https://www.wtwco.com/en-bm/solutions/products/environmental-insurance-for-food-beverage-and-agriculture" title="Environmental insurance for food, beverage and agriculture" class="related-matrix-item-link" data-capability-id="8f560c8c-bb22-4248-aef6-24dea24bd944" data-capability-code="Environmental insurance for food, beverage and agriculture" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Environmental insurance for food, beverage and agriculture" data-cilabel="/sitecore/content/WTW/solutions/products/environmental-insurance-for-food-beverage-and-agriculture"> <div class="related-matrix-item"> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Environmental insurance for food, beverage and agriculture </div> <p class="font-p-small">Our insurance and support services can reduce the risk of pollution and biodiversity loss and protect against the costs, liabilities and reputational damage if an incident occurs.</p> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> <div class="col-12 col-md-4 col-xl-3"> <a href="https://www.wtwco.com/en-bm/solutions/services/geopolitical-risk-management-for-food-beverage-and-agriculture" title="Geopolitical risk management for food, beverage and agriculture" class="related-matrix-item-link" data-capability-id="6d25d31f-da33-4769-9c7a-a1707b96785a" data-capability-code="Gestión de riesgos geopolíticos para la industria de alimentos, bebidas y agricultura" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Geopolitical risk management for food, beverage and agriculture" data-cilabel="/sitecore/content/WTW/solutions/services/geopolitical-risk-management-for-food-beverage-and-agriculture"> <div class="related-matrix-item"> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Geopolitical risk management for food, beverage and agriculture </div> <p class="font-p-small">Conflicts and trade tensions are making the world a more unstable and challenging place for the global food and drink industry. WTW can help you understand your exposures and protect your business from the impacts.</p> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> <div class="col-12 col-md-4 col-xl-3"> <a href="https://www.wtwco.com/en-bm/solutions/property" title="Property Risk and Insurance Solutions" class="related-matrix-item-link" data-capability-id="9c6b7d81-7cf7-47b2-9b51-8e2c9d16e0a6" data-capability-code="Property Risk and Insurance Solutions" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Property Risk and Insurance Solutions" data-cilabel="/sitecore/content/WTW/solutions/property"> <div class="related-matrix-item"> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Property Risk and Insurance Solutions </div> <p class="font-p-small">WTW provides you with local access to global property insurance markets, enabling you to optimize risk programs.</p> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> <div class="col-12 col-md-4 col-xl-3"> <a href="https://www.wtwco.com/en-bm/solutions/services/stock-throughput-for-food-beverage-and-agriculture" title="Stock throughput for food, beverage and agriculture" class="related-matrix-item-link" data-capability-id="e6110a2b-0e66-4461-85b7-37110eef2f2e" data-capability-code="Cobertura integral de la cadena de suministro para la industria de alimentos, bebidas y agricultura" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Stock throughput for food, beverage and agriculture" data-cilabel="/sitecore/content/WTW/solutions/services/stock-throughput-for-food-beverage-and-agriculture"> <div class="related-matrix-item"> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Stock throughput for food, beverage and agriculture </div> <p class="font-p-small">Food and beverage supply chain losses can fall through the gaps between property, cargo and storage cover. 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