Strategic risk management

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Current location and language selection is Indonesia English"> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>ID</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/solutions/services/m-a-communication-motivating-employees-to-support-the-need-for-change"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>ID</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/solutions/services/m-a-communication-motivating-employees-to-support-the-need-for-change" 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> <div class="mb-4 my-md-5 heading-1">Choose your location</div> <div class="heading-5 mb-3">Select the location and the language that you prefer</div> <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/solutions/services/m-a-communication-motivating-employees-to-support-the-need-for-change" 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> </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/solutions/services/m-a-communication-motivating-employees-to-support-the-need-for-change" 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> </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/solutions/services/m-a-communication-motivating-employees-to-support-the-need-for-change" 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> </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/solutions/services/m-a-communication-motivating-employees-to-support-the-need-for-change" 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> </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); 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} }); </script> <div class="CoveoForSitecoreBindWithUserContext"></div> <div class="CoveoForSitecoreExpressions"></div> <div class="CoveoForSitecoreConfigureSearchHub" data-sc-search-hub="Search"></div> </div> <span id="FieldSuggestionComponentOnNavigation" class="CoveoFieldSuggestions" data-field="@Page Title" data-prebind-field="fieldTranslator" data-query-override="(@fz95xlanguage13762=="en-ID")(@fz95xfullpath13762*="/sitecore/content/wtw*")"></span> </div> </div> </div> </div> </div> </section> </div> </div> <div class="sr-only" id="main-content" tabindex="-1">main content, press tab to continue</div> <header class="hero-insights"> <div class="hero-insights__container"> <div class="container"> <div class="row"> <div class="col-12 col-xl-9"> <a href="https://www.wtwco.com/en-id/insights/all-insights#sort=%40fdate13762%20descending&f:@articlez45xcontentz45xtype=[Article]" class="hero-insights__eyebrow category" aria-label="Content type, Article, Click to see all Article by Willis Towers Watson"> Article </a> <h1 class="heading-1">Strategic risk management: reducing costs and enhancing value in life sciences</h1> </div> </div> </div> <div class="container"> <div class="row"> <div class="col-12 col-xl-8"> <p class="hero-insights__meta"> April 11, 2024 </p> <div class="hero-insights__overview text-faded"> How life sciences companies are using analytics to ensure their risk functions are on the frontline of the battle to reduce costs and enhance value. </div> </div> <div class="col-12 col-md-4 col-xl-2 offset-xl-1"> </div> <div id="solutiontag" class="d-none">Casualty|Direct and Facultative</div> <div id="topictag" class="d-none">N/A</div> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"Article","publisher":{"@context":"https://schema.org","@type":"Organization","@id":"https://www.wtwco.com#organization"},"headline":"Strategic risk management: reducing costs and enhancing value in life sciences","datePublished":"2024-04-11","dateModified":"2024-04-18","thumbnailUrl":"https://media.wtwco.com/-/media/WTW/Social-Brand-Refresh/custom-refresh/social-image-strategic-risk-management-reducing-costs.jpg?thn=1&modified=20240411104342&imgeng=meta_true"} </script> </div> </div> </div> </header> <main class="wtw-template-article"> <section class="hero-insights__image"> <div class="full-width-image" style="background-image: url('https://media.wtwco.com/-/media/WTW/Brand-1610/Industry-Specific/Chemical_Industry-Specific/GettyImages-497412306-1610.jpg?modified=20190322024439&imgeng=meta_true')"></div> </section> <section class="container"> <div class="row"> <div class="col-12 col-xl-6 offset-xl-2"> <p> <strong>Life sciences businesses face huge pressure to become more efficient Supply chain disruption, manufacturing complexity and economic headwinds such as high inflation all loom large.</strong></p> <p>Tighter monetary policy has increased the cost of capital. Against this backdrop, saving money and enhancing value is a crucial priority for life sciences leaders. Risk analytics could be a golden opportunity.</p> <p>At first sight, insurance spending looks an unlikely candidate to deliver the additional value that life sciences companies are searching for – at least not without increased hazard.</p> <p>Reducing insurance cover may well result in lower premiums, but it will typically expose the business to additional risk; that may not be something that risk managers are comfortable with.</p> <p>However, that seemingly obvious catch only applies when the business – as is common – looks at lines of coverage individually. By taking a portfolio approach to risk instead, it may be possible for life sciences businesses to identify hidden opportunities to unlock value.</p> <div class="float-xl-left left-peeking"> <blockquote class="wtw-quote quote quote--large"> <span class="quote__icon"> “ </span> <p>By taking a portfolio approach to risk instead, it may be possible for life sciences businesses to identify hidden opportunities to unlock value.”</p> <div> <span class="source">Luke Ware</span> <span class="description"> | Head of Corporate Risk and Broking, Indonesia WTW</span> </div> </blockquote> </div> <p>This isn’t something that businesses in most industries have traditionally been good at. Insurance spending decisions are often siloed, with individual risk managers in different functions and different parts of the business acting in isolation.</p> <p>However, by taking a step back and thinking holistically about the risks that the business is exposed to, life sciences companies may be able to achieve something counter-intuitive: it may be possible to restructure lines of insurance so that at the overall level, both cost and risk start to fall.</p> <h3>The portfolio approach to risk management</h3> <p>Pursuing such value requires a shift in mindset. Once life sciences leaders start to think about their organisation as a singular risk-taking vehicle, rather than a series of individual, <span style="text-decoration: line-through;">‘</span>vertical’ risks, they will start to see opportunities for cost efficiencies.</p> <p>To make that adjustment, think of your risk management activity as analogous to investment management, where considerations such as correlation and diversification are routine.</p> <p>The goal here is to apply the same techniques to risk management – diversifying across risks and choosing combinations of transactions that deliver the best value. This will enable you to deploy your risk capital more effectively and efficiently.</p> <p>To take a simple example to illustrate the point, imagine a scenario in which a life sciences business is facing higher property and casualty (P&C) premiums. In siloed organisations, the P&C risk manager then faces the difficult choice between increasing insurance spending or reducing coverage.</p> <p>A holistic business, by contrast, may be able to identify other lines where premiums offer better value; increasing coverage there will offset reduced coverage of P&C risk and maintain overall risk exposure, perhaps even lowering total spend.</p> <p>Similarly, organisations can miss opportunities to benefit from the relationships between different types of insurance. Some risks are highly correlated – that is, an issue in one area that results in losses is very likely to be accompanied by an issue elsewhere that amplifies the problem.</p> <p>Equally, other risks are highly uncorrelated – they rarely occur at the same time. Identifying these relationships creates opportunities to manage risk accordingly, maximising value.</p> <p>Moving to a portfolio approach also enables better-informed conversations about time horizons for risk management. Life sciences companies with a holistic view of insurance may, for example, be able to identify risks that rarely occur consistently. In which case, traditional annual insurance in the commercial insurance market may not be the right solution.</p> <p>In short, the goal of this new form of risk management is to think much more intelligently about connected risk. Your business should be able to move beyond the conventional insurance playbook – with multi-line, multi-year risk management, say, to embrace concepts such as parametric cover, or a better-informed debate about retained risk. And in doing so, there is significant potential to unlock value.</p> <h3>Why analytics is the key</h3> <p>How, then, to embrace this holistic approach to risk management for maximum benefit? They key is more sophisticated risk analytics. Life sciences companies need much better tools for interrogating each of their lines of coverage on both an individual basis and in aggregate.</p> <p>The goal should be to secure a more granular and precise understanding of the inter-connectedness of your total exposures and costs.</p> <div class="float-xl-left left-peeking"> <blockquote class="wtw-quote quote quote--large"> <span class="quote__icon"> “ </span> <p>The goal should be to secure a more granular and precise understanding of the inter-connectedness of your total exposures and costs.”</p> <div> <span class="source">Luke Ware</span> <span class="description"> | Head of Corporate Risk and Broking, Indonesia WTW</span> </div> </blockquote> </div> <p>That work means calculating for each line both the cost – premiums and retained losses – and the exposure in terms of what is retained and what is transferred.</p> <p>Modern analytics tools then enable life sciences companies to model different approaches – to assess overall cost and exposure for an almost limitless number of different combinations of individual risks.</p> <p>What emerges from such analysis is effectively an efficient frontier of insurance – a dashboard of where variances from the line will result in either higher cost or increased exposure. It provides a holistic assessment of the risk management combinations that deliver the greatest value.</p> <p>Different life sciences companies will naturally take different views of the conclusions of such exercises.</p> <p>Some may be more comfortable accepting risk in a particular area of the business than others. Some may be more focused on cost.</p> <p>Analytics won’t provide a one-size-fits-all answer to risk management; rather, this work provides business leaders with connected risk intelligence – much more sophisticated insights as the basis for decision-making.</p> <aside class="wtw-fact-box mb-3"> <h3>Theory into practice</h3> <p>Naturally, outcomes have to be achievable. The model can be constantly assessed to ensure the combinations of coverage generated are available in the insurance market, at the levels of cost identified. Working with brokers makes this possible.</p> <p>However, armed with the connected risk intelligence generated by modern analytics tools, life sciences companies will be in a much stronger position to challenge brokers and insurers alike. They provide a means to put value at the centre of the conversation - at renewal, certainly, but on an ongoing basis.</p> <p>Indeed, there’s another benefit on offer here too. Using analytics in this way will help align risk with finance, particularly as the whole business starts to see the function as driving value rather than managing cost. This is about contributing to overall organisational resilience.</p> </aside> <p> <strong> For smarter ways on reducing costs and enhancing value for your organisation, please get in touch with our specialists today.</strong></p>  <div class="people"> <h2 class="heading-5"> Contact </h2> <hr class="horizontal-rule--thick"> <div class="media"> <div class="media-body"> <div class="font-p-small font-weight-semibold">  Luke Ware  </div> <div class="font-p-small">Head of Corporate Risk and Broking, Indonesia<br> WTW</div> <div class="font-p-small people__contact-info"> <span class="people__contact-email"> <span class="material-symbols-outlined">email</span> <a href="mailto:luke.ware@wtwco.com" class="font-weight-bold" aria-label="Click to email Luke Ware" 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:+62 21 2924 5300" class="font-weight-bold" aria-label="Click to call Luke Ware" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="People Authors Bios"> +62 21 2924 5300 </a> </span> </div> </div> </div> <hr> </div> </div> <aside class="col-12 col-xl-4"> <a href="https://www.wtwco.com/en-id/insights/campaigns/a-smarter-way-to-risk" data-cdlabel="A smarter way to risk" 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/campaigns/a-smarter-way-to-risk" data-ewlabel="Featured" data-etlabel="internal_link_click" ><div class="related-content-card__img-container"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/Sitecore/GettyImages-1361421117_rt-1610.jpg?modified=20230622142002&imgeng=meta_true&la=en-ID&h=776&w=1242&mw=1242&hash=F5999AA8F24F9A7DC9BC6C883B9C8D59" loading="lazy" class="card-img-top" role="presentation" alt="" /></div> <div class="card-body"> <div class="related-content-card__eyebrow"> Featured </div> <div class="card-title heading-5"> A smarter way to risk </div> </div> </a> </aside> </div> </section> <section class="container"> <div class="row"> <div class="col-12 col-xl-6 offset-xl-2"> <div class="mb-5"> <span class="sr-only">Related content tags, list of links</span> <a href="https://www.wtwco.com/en-id/insights/all-insights#sort=%40fdate13762%20descending&f:@articlez45xcontentz45xtype=[Article]" class="badge badge-light article-related-tag" >Article</a> <a href="https://www.wtwco.com/en-id/insights/all-insights#sort=%40fdate13762%20descending&f:@solution=[Casualty]" class="badge badge-light article-related-tag" >Casualty</a> <a href="https://www.wtwco.com/en-id/insights/all-insights#sort=%40fdate13762%20descending&f:@solution=[Direct%20and%20Facultative]" class="badge badge-light article-related-tag" >Direct and Facultative</a> <a 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