Environmental Risks

<!DOCTYPE html> <html xmlns="https://www.w3.org/1999/xhtml" lang='en-SG' xml:lang='en-SG'> <head>  <script src="https://cdn.cookielaw.org/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="f547107a-3552-4382-94d8-cf2455c79bf1"></script> <script type="text/javascript"> function OptanonWrapper() { } </script>   <script> window.dataLayer = window.dataLayer || []; (function (w, d, s, l, i) { w[l] = w[l] || []; w[l].push({ 'gtm.start': new Date().getTime(), event: 'gtm.js' }); var f = d.getElementsByTagName(s)[0], j = d.createElement(s), dl = l != 'dataLayer' ? '&l=' + l : ''; j.async = true; j.src = 'https://www.googletagmanager.com/gtm.js?id=' + i + dl; f.parentNode.insertBefore(j, f); })( window, document, 'script', 'dataLayer', 'GTM-M7MKB8C8' ); </script>  <meta charset="utf-8" /> <meta name="viewport" content="width=device-width, initial-scale=1.0" />  <title>Environmental Risks - WTW</title>  <meta name="description" content="Environmental risks and associated third-party liabilities threaten organizations’ financial health. Businesses must protect their balance sheets from uninsured, unbudgeted and out-of-pocket expenses associated with environmental cleanup obligations, potential long-tail liability, toxic tort claims, third-party liability (bodily injury/property damage) and/or legal defense costs stemming from a wide range of environmental exposures." /> <meta name="twitter:card" content="summary_large_image" /> <meta property="og:title" content="Environmental Risks" /> <meta property="og:description" content="Environmental risks and associated third-party liabilities threaten organizations’ financial health. Businesses must protect their balance sheets from uninsured, unbudgeted and out-of-pocket expenses associated with environmental cleanup obligations, potential long-tail liability, toxic tort claims, third-party liability (bodily injury/property damage) and/or legal defense costs stemming from a wide range of environmental exposures." /> <meta property="og:type" content="website" /> <meta property="og:image" content="https://media.wtwco.com/-/media/WTW/Social-Brand-Refresh/custom-refresh/wtw-hp-2024-0769n-envirorisk-sm-1920x1080a.jpg?modified=20240509120005&imgeng=meta_true" /> <meta property="og:site_name" content="WTW" /> <meta property="og:url" content="https://www.wtwco.com/en-sg/solutions/environmental" /> <meta property="og:locale" content="en-SG" /> <meta name="VIcurrentDateTime" content="638688498638377632" /> <meta name="VirtualFolder" content="/" /> <script type="text/javascript" src="/layouts/system/VisitorIdentification.js"></script> <link rel="preconnect" href="//media.wtwco.com" crossorigin> <link rel="icon" href="/favicon.ico"> <link href="https://www.wtwco.com/-/media/Feature/Resources/CSS-Files/main.css?modified=20241030170359&v=2.0.0.0" rel="stylesheet" type="text/css" /> </head>   <body data-spy="scroll" data-target="#jump-nav-scroll-target" data-offset="120">   <noscript><iframe sandbox src="https://www.googletagmanager.com/ns.html?id=GTM-M7MKB8C8" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>  <a href="#main-content" aria-label="Skip to main content" class="sr-only skip-nav">Skip to main content</a> <div id="get-current-breakpoint"> <div id="xs"></div> <div id="sm" class="d-none d-sm-block"></div> <div id="md" class="d-none d-md-block"></div> <div id="lg" class="d-none d-lg-block"></div> <div id="xl" class="d-none d-xl-block"></div> </div> <div class="site-nav"> <div class="d-none d-md-flex w-100 justify-content-between site-nav__utility">  <nav aria-label="Location Selector"> <button type="button" aria-expanded="false" aria-controls="country-selector" class="font-p font-p-small site-nav__utility-btn" data-menu="country-selector--is-visible" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Country Selector Open" data-cdlabel="Country Selector Open" data-cilabel="/sitecore/content/WTW" aria-label="Expand/collapse to choose your location and preferred language. Current location and language selection is Singapore English"> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>SG</strong> | EN <span class="material-symbols-outlined" aria-hidden="true">expand_more</span> </button> </nav>  <nav class="site-nav__utility-links-container" aria-label="Featured Links"> <ul class="list-inline"> <li class="list-inline-item"> <a href="https://www.wtwco.com/en-sg/news/all-news" data-cdlabel="News" onclick="linkClick(this);" data-selabel="Utility Nav" class="font-p-small site-nav__utility-link" data-cilabel="/sitecore/content/WTW/news/all-news" data-ewlabel="Utility Nav" data-etlabel="header_navigation" >News</a> </li> <li class="list-inline-item"> <a href="https://investors.wtwco.com" data-cdlabel="Investor Relations" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Utility Nav" class="font-p-small site-nav__utility-link" data-cilabel="https://investors.wtwco.com" data-ewlabel="Utility Nav" data-etlabel="header_navigation" target="_blank" >Investor Relations</a> </li> <li class="list-inline-item"> <a href="https://careers.wtwco.com" data-cdlabel="Careers" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Utility Nav" class="font-p-small site-nav__utility-link" data-cilabel="https://careers.wtwco.com" data-ewlabel="Utility Nav" data-etlabel="header_navigation" target="_blank" >Careers</a> </li> </ul> </nav> </div>  <div class="d-flex justify-content-between align-items-stretch site-nav__main">  <button class="btn btn-lg site-nav__btn site-nav__btn--menu" data-menu="menu-is-open" aria-expanded="false" aria-controls="site-menu" id="site-nav-toggle-btn" onclick="mainNavClick(this,0)" data-elabel="Menu aria-label="Main Navigation; Click to expand/collapse menu"> <span class="site-nav__btn__icon"> <span class="material-symbols-outlined" aria-hidden="true">menu</span> <span class="material-symbols-outlined" aria-hidden="true">close</span> </span> <span class="site-nav__btn__label d-none d-md-block"> Menu </span> </button>  <nav class="site-menu navbar navbar-expand-md p-0" aria-label="Main Menu" id="site-menu"> <div data-menu-overlay class="site-menu__overlay"></div> <ul class="primary-menu col-lg-4 px-0 menu-panel-py" role="menubar"> <li class="nav-item dropdown" role="none"> <button type="button" class="btn dropdown-toggle menu-item menu-panel-px mt-0" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" role="menuitem" id="about-us-menu" onclick="mainNavClick(this, 1)" data-elabel="About Us"> <span class="menu-item__heading heading-4 underline-on-hover">About Us<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </button>  <div class="dropdown-menu secondary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> About Us </button> <ul class="secondary-menu-list px-0 menu-panel-py h-100" aria-labelledby="about-us-menu" role="menu"> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-sg/about-us/overview" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Overview" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-655058143-Overview-navpanel.jpg?modified=20220707135339&imgeng=meta_true"> Overview </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-sg/about-us/our-leadership" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Our Leadership" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-1341193833-Our-Leadership-navpanel.jpg?modified=20220707135236&imgeng=meta_true"> Our Leadership </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-sg/about-us/our-history" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Our History" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-82832015-Our-History-navpanel.jpg?modified=20220707135407&imgeng=meta_true"> Our History </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-sg/about-us/sustainability" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Sustainability" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-506460039-ESG-navpanel.jpg?modified=20220707135306&imgeng=meta_true"> Sustainability </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-sg/about-us/inclusion-and-diversity" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Inclusion and Diversity" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-8517640-Inclusion-and-Diversity-navpanel.jpg?modified=20220707135441&imgeng=meta_true"> Inclusion and Diversity </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-sg/about-us/inclusion-and-diversity-in-action" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Inclusion and Diversity in Action" data-image="https://media.wtwco.com/-/media/WTW/Navigation/Getty-Images-1248528013-ID-in-action-hover-image-960x1824px.jpg?modified=20240103153828&imgeng=meta_true"> Inclusion and Diversity in Action </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-sg/about-us/awards-recognition" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Awards and Recognition" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-986484412-Awards-and-recognition-navpanel.jpg?modified=20220707135514&imgeng=meta_true"> Awards and Recognition </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-sg/about-us/office-locations" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Office Locations" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-1096081938-office-locations-navpanel.jpg?modified=20220707135038&imgeng=meta_true"> Office Locations </a> </div> </li> </ul> </div> </li> <li class="nav-item dropdown" role="none"> <button type="button" class="btn dropdown-toggle menu-item menu-panel-px mt-0" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" role="menuitem" id="solutions-menu" onclick="mainNavClick(this, 1)" data-elabel="Solutions"> <span class="menu-item__heading heading-4 underline-on-hover">Solutions<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </button>  <div class="dropdown-menu secondary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Solutions </button> <ul class="secondary-menu-list px-0 menu-panel-py h-100" aria-labelledby="solutions-menu" role="menu"> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="solutions-people-menu" onclick="mainNavClick(this, 2)" data-elabel="People"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> People<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> <p class="menu-item__description menu-panel-px font-p-small">From determining how work gets done and how it’s valued to improving the health and financial wellbeing of your workforce, we add perspective.</p> </a>  <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> People </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="solutions-people-menu"> <li class="menu-panel-px mb-5"> <a href="https://www.wtwco.com/en-sg/people" class="arrow-link align-items-center dropdown-item" onclick="mainNavClick(this,3)" data-elabel="View all"> <span class="mb-0">View all</span> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/career-analysis-and-design" onclick="mainNavClick(this,3)" data-elabel="Career Analysis and Design" role="menuitem">Career Analysis and Design</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/climate-risk" onclick="mainNavClick(this,3)" data-elabel="Climate Risk" role="menuitem">Climate Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/compensation-strategy-and-design" onclick="mainNavClick(this,3)" data-elabel="Compensation Strategy and Design" role="menuitem">Compensation Strategy and Design</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/cyber-risk-management-and-insurance" onclick="mainNavClick(this,3)" data-elabel="Cyber Risk Management and Insurance" role="menuitem">Cyber Risk Management and Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/diversity-equity-inclusion" onclick="mainNavClick(this,3)" data-elabel="Diversity, Equity and Inclusion" role="menuitem">Diversity, Equity and Inclusion</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/employee-experience" onclick="mainNavClick(this,3)" data-elabel="Employee Experience" role="menuitem">Employee Experience</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/employee-financial-resilience" onclick="mainNavClick(this,3)" data-elabel="Employee Financial Resilience" role="menuitem">Employee Financial Resilience</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/esg-and-sustainability" onclick="mainNavClick(this,3)" data-elabel="ESG and Sustainability" role="menuitem">ESG and Sustainability</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/executive-compensation" onclick="mainNavClick(this,3)" data-elabel="Executive Compensation and Board Advisory" role="menuitem">Executive Compensation and Board Advisory</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/global-benefits-management" onclick="mainNavClick(this,3)" data-elabel="Global Benefits Management" role="menuitem">Global Benefits Management</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/health-and-benefits" onclick="mainNavClick(this,3)" data-elabel="Health and Benefits" role="menuitem">Health and Benefits</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/investments" onclick="mainNavClick(this,3)" data-elabel="Investments" role="menuitem">Investments</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/mergers-and-acquisitions" onclick="mainNavClick(this,3)" data-elabel="Mergers and Acquisitions" role="menuitem">Mergers and Acquisitions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/pay-equity-and-pay-transparency" onclick="mainNavClick(this,3)" data-elabel="Pay Equity and Pay Transparency" role="menuitem">Pay Equity and Pay Transparency</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/retirement" onclick="mainNavClick(this,3)" data-elabel="Retirement" role="menuitem">Retirement</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/total-rewards" onclick="mainNavClick(this,3)" data-elabel="Total Rewards" role="menuitem">Total Rewards</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/wellbeing" onclick="mainNavClick(this,3)" data-elabel="Wellbeing" role="menuitem">Wellbeing</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/work-transformation" onclick="mainNavClick(this,3)" data-elabel="Work Transformation" role="menuitem">Work Transformation</a> </li> </ul> </div> </li> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="solutions-risk-menu" onclick="mainNavClick(this, 2)" data-elabel="Risk"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> Risk<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> <p class="menu-item__description menu-panel-px font-p-small">Your ability to manage risk is key to your thriving in an uncertain world.</p> </a>  <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Risk </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="solutions-risk-menu"> <li class="menu-panel-px mb-5"> <a href="https://www.wtwco.com/en-sg/risk" class="arrow-link align-items-center dropdown-item" onclick="mainNavClick(this,3)" data-elabel="View all"> <span class="mb-0">View all</span> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/affinity" onclick="mainNavClick(this,3)" data-elabel="Affinity Insurance" role="menuitem">Affinity Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/alternative-risk-transfer" onclick="mainNavClick(this,3)" data-elabel="Alternative Risk Transfer and Financing" role="menuitem">Alternative Risk Transfer and Financing</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/aviation-and-space" onclick="mainNavClick(this,3)" data-elabel="Aviation & Space" role="menuitem">Aviation & Space</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/captives" onclick="mainNavClick(this,3)" data-elabel="Captive and Insurance Management Solutions" role="menuitem">Captive and Insurance Management Solutions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/casualty" onclick="mainNavClick(this,3)" data-elabel="Casualty" role="menuitem">Casualty</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/claims" onclick="mainNavClick(this,3)" data-elabel="Claims" role="menuitem">Claims</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/climate-risk" onclick="mainNavClick(this,3)" data-elabel="Climate Risk" role="menuitem">Climate Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/corporate-risk-tools-and-technology" onclick="mainNavClick(this,3)" data-elabel="Corporate Risk Tools and Technology" role="menuitem">Corporate Risk Tools and Technology</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/credit-political-risk-and-terrorism" onclick="mainNavClick(this,3)" data-elabel="Credit and Political Risk" role="menuitem">Credit and Political Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/crisis-management" onclick="mainNavClick(this,3)" data-elabel="Crisis Management" role="menuitem">Crisis Management</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/cyber-risk-management-and-insurance" onclick="mainNavClick(this,3)" data-elabel="Cyber Risk Management and Insurance" role="menuitem">Cyber Risk Management and Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/direct-and-facultative" onclick="mainNavClick(this,3)" data-elabel="Direct and Facultative" role="menuitem">Direct and Facultative</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/enterprise-risk-management-consulting" onclick="mainNavClick(this,3)" data-elabel="Enterprise Risk Management Consulting" role="menuitem">Enterprise Risk Management Consulting</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/environmental" onclick="mainNavClick(this,3)" data-elabel="Environmental Risks" role="menuitem">Environmental Risks</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/esg-and-sustainability" onclick="mainNavClick(this,3)" data-elabel="ESG and Sustainability" role="menuitem">ESG and Sustainability</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/finex" onclick="mainNavClick(this,3)" data-elabel="Financial, Professional and Executive Risks" role="menuitem">Financial, Professional and Executive Risks</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/global-specialty" onclick="mainNavClick(this,3)" data-elabel="Global Specialty " role="menuitem">Global Specialty </a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/health-and-benefits" onclick="mainNavClick(this,3)" data-elabel="Health and Benefits" role="menuitem">Health and Benefits</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/insurance-consulting-and-technology" onclick="mainNavClick(this,3)" data-elabel="Insurance Consulting and Technology" role="menuitem">Insurance Consulting and Technology</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/investments" onclick="mainNavClick(this,3)" data-elabel="Investments" role="menuitem">Investments</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/marine" onclick="mainNavClick(this,3)" data-elabel="Marine" role="menuitem">Marine</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/mergers-and-acquisitions" onclick="mainNavClick(this,3)" data-elabel="Mergers and Acquisitions" role="menuitem">Mergers and Acquisitions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/natural-catastrophe" onclick="mainNavClick(this,3)" data-elabel="Natural Catastrophe" role="menuitem">Natural Catastrophe</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/personal-lines" onclick="mainNavClick(this,3)" data-elabel="Personal Lines" role="menuitem">Personal Lines</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/property" onclick="mainNavClick(this,3)" data-elabel="Property Risk and Insurance Solutions" role="menuitem">Property Risk and Insurance Solutions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/reputational-risk-management" onclick="mainNavClick(this,3)" data-elabel="Reputational Risk Management" role="menuitem">Reputational Risk Management</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/retirement" onclick="mainNavClick(this,3)" data-elabel="Retirement" role="menuitem">Retirement</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/risk-and-analytics" onclick="mainNavClick(this,3)" data-elabel="Risk and Analytics" role="menuitem">Risk and Analytics</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/risk-management-consulting" onclick="mainNavClick(this,3)" data-elabel="Risk Management Consulting" role="menuitem">Risk Management Consulting</a> </li> </ul> </div> </li> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="solutions-capital-menu" onclick="mainNavClick(this, 2)" data-elabel="Capital"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> Capital<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> <p class="menu-item__description menu-panel-px font-p-small">More than ever, making the most of your capital means solving a complex risk-and-return equation.</p> </a>  <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Capital </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="solutions-capital-menu"> <li class="menu-panel-px mb-5"> <a href="https://www.wtwco.com/en-sg/capital" class="arrow-link align-items-center dropdown-item" onclick="mainNavClick(this,3)" data-elabel="View all"> <span class="mb-0">View all</span> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/captives" onclick="mainNavClick(this,3)" data-elabel="Captive and Insurance Management Solutions" role="menuitem">Captive and Insurance Management Solutions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/climate-risk" onclick="mainNavClick(this,3)" data-elabel="Climate Risk" role="menuitem">Climate Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/credit-political-risk-and-terrorism" onclick="mainNavClick(this,3)" data-elabel="Credit and Political Risk" role="menuitem">Credit and Political Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/cyber-risk-management-and-insurance" onclick="mainNavClick(this,3)" data-elabel="Cyber Risk Management and Insurance" role="menuitem">Cyber Risk Management and Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/esg-and-sustainability" onclick="mainNavClick(this,3)" data-elabel="ESG and Sustainability" role="menuitem">ESG and Sustainability</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/insurance-consulting-and-technology" onclick="mainNavClick(this,3)" data-elabel="Insurance Consulting and Technology" role="menuitem">Insurance Consulting and Technology</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/investments" onclick="mainNavClick(this,3)" data-elabel="Investments" role="menuitem">Investments</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/mergers-and-acquisitions" onclick="mainNavClick(this,3)" data-elabel="Mergers and Acquisitions" role="menuitem">Mergers and Acquisitions</a> </li> </ul> </div> </li> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="solutions-by-industries-menu" onclick="mainNavClick(this, 2)" data-elabel="By Industries"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> By Industries<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> <p class="menu-item__description menu-panel-px font-p-small">Clients depend on us for specialized industry expertise.</p> </a>  <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> By Industries </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="solutions-by-industries-menu"> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/aviation-and-space" onclick="mainNavClick(this,3)" data-elabel="Aviation & Space" role="menuitem">Aviation & Space</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/construction" onclick="mainNavClick(this,3)" data-elabel="Construction" role="menuitem">Construction</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/financial-institutions" onclick="mainNavClick(this,3)" data-elabel="Financial Institutions" role="menuitem">Financial Institutions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/food-beverage-and-agriculture" onclick="mainNavClick(this,3)" data-elabel="Food, Beverage and Agriculture" role="menuitem">Food, Beverage and Agriculture</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/health-care" onclick="mainNavClick(this,3)" data-elabel="Healthcare" role="menuitem">Healthcare</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/insurance" onclick="mainNavClick(this,3)" data-elabel="Insurance" role="menuitem">Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/life-sciences" onclick="mainNavClick(this,3)" data-elabel="Life Sciences" role="menuitem">Life Sciences</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/manufacturing" onclick="mainNavClick(this,3)" data-elabel="Manufacturing" role="menuitem">Manufacturing</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/solutions/marine" onclick="mainNavClick(this,3)" data-elabel="Marine" role="menuitem">Marine</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/natural-resources" onclick="mainNavClick(this,3)" data-elabel="Natural Resources" role="menuitem">Natural Resources</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/professional-services-practice" onclick="mainNavClick(this,3)" data-elabel="Professional Services Practice" role="menuitem">Professional Services Practice</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/public-sector-and-higher-education" onclick="mainNavClick(this,3)" data-elabel="Public Sector and Education" role="menuitem">Public Sector and Education</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/real-estate" onclick="mainNavClick(this,3)" data-elabel="Real Estate" role="menuitem">Real Estate</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/sports-and-entertainment" onclick="mainNavClick(this,3)" data-elabel="Sports and Entertainment" role="menuitem">Sports and Entertainment</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/technology-media-and-telecommunications" onclick="mainNavClick(this,3)" data-elabel="Technology, Media and Telecommunications" role="menuitem">Technology, Media and Telecommunications</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/industries/transportation-and-logistics" onclick="mainNavClick(this,3)" data-elabel="Transportation and Logistics" role="menuitem">Transportation and Logistics</a> </li> </ul> </div> </li> </ul> </div> </li> <li class="nav-item dropdown" role="none"> <button type="button" class="btn dropdown-toggle menu-item menu-panel-px mt-0" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" role="menuitem" id="insights-menu" onclick="mainNavClick(this, 1)" data-elabel="Insights"> <span class="menu-item__heading heading-4 underline-on-hover">Insights<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </button>  <div class="dropdown-menu secondary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Insights </button> <ul class="secondary-menu-list px-0 menu-panel-py h-100" aria-labelledby="insights-menu" role="menu"> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-sg/insights/all-insights" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="All Insights" data-image="https://media.wtwco.com/-/media/WTW/Navigation/Falcultative-navpanel-629710097.jpg?modified=20190211211300&imgeng=meta_true"> All Insights </a> </div> </li> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="insights-trending-topics-menu" onclick="mainNavClick(this, 2)" data-elabel="Trending Topics"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> Trending Topics<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> </a>  <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Trending Topics </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="insights-trending-topics-menu"> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/trending-topics/artificial-intelligence" onclick="mainNavClick(this,3)" data-elabel="Artificial Intelligence" role="menuitem">Artificial Intelligence</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/trending-topics/climate-change" onclick="mainNavClick(this,3)" data-elabel="Climate Change" role="menuitem">Climate Change</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/trending-topics/esg-in-sight" onclick="mainNavClick(this,3)" data-elabel="ESG In Sight" role="menuitem">ESG In Sight</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/campaigns/finance-and-process-transformation" onclick="mainNavClick(this,3)" data-elabel="Finance and Process Transformation" role="menuitem">Finance and Process Transformation</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/trending-topics/the-future-of-work" onclick="mainNavClick(this,3)" data-elabel="Future of Work" role="menuitem">Future of Work</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/trending-topics/geopolitical-risk" onclick="mainNavClick(this,3)" data-elabel="Geopolitical Risk" role="menuitem">Geopolitical Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/trending-topics/ifrs-17-solutions" onclick="mainNavClick(this,3)" data-elabel="IFRS 17 Solutions" role="menuitem">IFRS 17 Solutions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/trending-topics/insurtech" onclick="mainNavClick(this,3)" data-elabel="InsurTech" role="menuitem">InsurTech</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/trending-topics/modernising-benefits" onclick="mainNavClick(this,3)" data-elabel="Modernising Benefits" role="menuitem">Modernising Benefits</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/trending-topics/risk-resilience-reimagined" onclick="mainNavClick(this,3)" data-elabel="Risk Resilience - Reimagined" role="menuitem">Risk Resilience - Reimagined</a> </li> </ul> </div> </li> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="insights-research-programs-and-collaborations-menu" onclick="mainNavClick(this, 2)" data-elabel="Research Programs and Collaborations"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> Research Programs and Collaborations<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> </a>  <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Research Programs and Collaborations </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="insights-research-programs-and-collaborations-menu"> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/research-programs-and-collaborations/thinking-ahead-institute" onclick="mainNavClick(this,3)" data-elabel="Thinking Ahead Institute" role="menuitem">Thinking Ahead Institute</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-sg/insights/research-programs-and-collaborations/wtw-research-network" onclick="mainNavClick(this,3)" data-elabel="WTW Research Network" role="menuitem">WTW Research Network</a> </li> </ul> </div> </li> </ul> </div> </li> </ul> <a href="#" onclick="focusOnFirstMenu(this)" class="end-of-menu sr-only d-none d-lg-block">End of main navigation menu. Click to return to the beginning of the menu or press escape to close.</a>  <div class="mobile-utility-nav menu-item menu-panel-px d-md-none m-0 py-0"> <ul class="menu-utils m-0"> <li class="menu-util"> <a href="https://www.wtwco.com/en-sg/news/all-news" data-cdlabel="News" onclick="linkClick(this);" data-selabel="Utility Nav" class="heading-5 wtw-digital-black" data-cilabel="/sitecore/content/WTW/news/all-news" data-ewlabel="Utility Nav" data-etlabel="header_navigation" >News</a> </li> <li class="menu-util"> <a href="https://investors.wtwco.com" data-cdlabel="Investor Relations" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Utility Nav" class="heading-5 wtw-digital-black" data-cilabel="https://investors.wtwco.com" data-ewlabel="Utility Nav" data-etlabel="header_navigation" target="_blank" >Investor Relations</a> </li> <li class="menu-util"> <a href="https://careers.wtwco.com" data-cdlabel="Careers" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Utility Nav" class="heading-5 wtw-digital-black" data-cilabel="https://careers.wtwco.com" data-ewlabel="Utility Nav" data-etlabel="header_navigation" target="_blank" >Careers</a> </li> </ul> </div>  <div class="country-selector-container menu-item m-0 d-md-none"> <button class="font-p menu-item menu-panel-px d-md-none" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Country Selector Open" data-cdlabel="Country Selector Open" data-cilabel="/sitecore/content/WTW" data-menu="country-selector--is-visible" aria-expanded="false" aria-controls="country-selector"> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>SG</strong> | EN <span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_right</span> </button> </div> <script type="text/javascript"> function focusOnFirstMenu(e) { var ele = $(".primary-menu").find("button:first")[0]; ele.focus(); e.preventDefault(); } </script> <div class="country-selector" id="country-selector"> <div class="d-none d-md-flex w-100 justify-content-between site-nav__utility"> <div class=""> <button type="button" aria-expanded="false" aria-controls="country-selector" class="font-p font-p-small site-nav__utility-btn" data-menu="country-selector--is-visible" 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" aria-label="Choose your location and preferred language. Current location and language selection is Singapore English"> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>SG</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"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>SG</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" 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" 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" 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" 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" 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" data-current_country="South Africa" data-current_language="English" data-menu_text="South Africa | English" onclick="switchLanguage('/en-za','/en-za', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">UAE </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ae' class="country-selector__languages" aria-label="Willis Towers Watson UAE website in English, click to navigate to website" data-current_country="UAE" data-current_language="English" data-menu_text="UAE | English" onclick="switchLanguage('/en-ae','/en-ae', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Uganda </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ug' class="country-selector__languages" aria-label="Willis Towers Watson Uganda website in English, click to navigate to website" data-current_country="Uganda" data-current_language="English" data-menu_text="Uganda | English" onclick="switchLanguage('/en-ug','/en-ug', this); return false;"> English</a> </li> </ul> </td> </tr> </tbody> </table> </div> </div> </div> </div> <script> function switchLanguage(link, href, ele) { if (link === href) { createLanguageCookie(link, ele); } window.location.href = href; } function createLanguageCookie(link, ele) { window.dataLayer = window.dataLayer || []; window.dataLayer.push({ 'event': 'change_country_site', 'previous_country': 'Singapore', 'previous_language': 'English', 'current_country': $(ele).data('current_country'), 'current_language': $(ele).data('current_language'), 'eyebrow_field': 'Choose your location', 'card_text': $(ele).data('menu_text'), 'sitecore_component': 'Location Selector', 'component_category': 'Choose your location', 'card_item': '/sitecore/content/WTW' }); var strLang = link.substring(1, link.length); setCookie("userPreferredLang", strLang, 365); } function setCookie(cname, cvalue, exdays) { var d = new Date(); d.setTime(d.getTime() + (exdays * 24 * 60 * 60 * 1000)); var expires = "expires=" + d.toGMTString(); document.cookie = cname + "=" + cvalue + ";" + expires + ";path=/"; } </script> </div> </div> </div> </div> <button class="tab-trap-button sr-only"></button> </div> </nav> <div class="col d-flex justify-content-center align-items-center site-nav-border-l site-nav-border-r"> <a href="https://www.wtwco.com/en-sg" class="site-nav__logo p-2" onclick="linkClick(this);" data-etlabel="header_navigation" data-selabel="Logo" data-ewlabel="Logo (header)" data-cdlabel="WTW" data-cilabel="/sitecore/content/WTW" aria-label="Willis Towers Watson; Click to navigate to the homepage"> <div class="d-block d-lg-none"> <img src="https://media.wtwco.com/-/media/WTW/Logo/Logo_Mobile.svg?iar=0&modified=20240701125225&imgeng=meta_true&hash=C16FDBB4DD613110BB98E6E6A6B405A3" alt="Willis Towers Watson Logo" /> </div> <div class="d-none d-lg-block"> <img src="https://media.wtwco.com/-/media/WTW/Logo/Logo_Desktop.svg?iar=0&modified=20240701125225&imgeng=meta_true&hash=56F49BEC51919C8E565A890FBF0C1B85" alt="Willis Towers Watson Logo" /> </div> </a> </div> <button class="btn btn-lg site-nav__btn site-nav__btn--search-menu" data-menu="search-menu-is-visible" aria-expanded="false" aria-controls="search-menu" onclick="if (!$('body').hasClass('search-menu-is-visible')) { $(this).data('ctlabel', 'Opened Search') } else { $(this).data('ctlabel', 'Closed Search') } linkClick(this);" data-etlabel="internal_link_click" data-selabel="Search Button" data-ewlabel="What can we help you find?" data-cdlabel="Search" data-cilabel="/sitecore/content/WTW/Search" data-ctlabel="Opened Search" aria-label="Open search, click to open/close search interface"> <span class="site-nav__btn__label d-none d-md-block"> Search </span> <span class="site-nav__btn__icon"> <span class="material-symbols-outlined" aria-hidden="true">search</span> <span class="material-symbols-outlined" aria-hidden="true">close</span> </span> </button> <section class="search-menu" id="search-menu"> <div class="container"> <div class="row"> <div class="col-12"> <div class="search-bar"> <h5>What can we help you find?</h5> <script type="text/javascript"> // TODO: add above // Important * Workaround to initialize prebinding attributes on all the elements used in the Searchbox container. document.addEventListener("CoveoSearchEndpointInitialized", function () { var searchbox = document.getElementById("_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9"); searchbox.dataset.enableSearchAsYouType = "false"; //WTW-1967 searchbox.dataset.enableFieldAddon = "true"; searchbox.dataset.enableQuerySuggestAddon = "true"; searchbox.dataset.enableQueryExtensionAddon = "true"; searchbox.dataset.enablePartialMatch = "true"; var searchBoxContainer = document.getElementById("_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9_container"); CoveoForSitecore.Prebinding.applyPrebindingOnElement(searchBoxContainer); CoveoForSitecore.Prebinding.applyPrebindingOnChildren( searchBoxContainer ); }); window.addEventListener("load", function () { var input = document.getElementsByClassName("magic-box-input")[0].children[1]; input.setAttribute("aria-label", "Search box"); input.style.width = "100%"; input.addEventListener('keydown', function (event) { if (event.keyCode === 13) { window.dataLayer = window.dataLayer || []; window.dataLayer.push({ 'event': 'searchOnInputEnter' }); } }); var underlay = document.getElementsByClassName("magic-box-underlay")[0]; underlay.style.visibility = "hidden"; var formWrapper = document.createElement('form'); formWrapper.setAttribute("role", "search"); input.parentNode.insertBefore(formWrapper, input); formWrapper.appendChild(input); var searchbtn = document.querySelector("a.CoveoSearchButton"); searchbtn.setAttribute("role", "button"); searchbtn.setAttribute("tabindex", "0"); searchbtn.setAttribute("href", "#"); //Create a copy of the search button and place it inside <form> tag formWrapper.appendChild(searchbtn); //Delete the original search button $(searchbtn[0]).remove(); if (searchbtn) { while (searchbtn.firstChild) { searchbtn.removeChild(searchbtn.firstChild); } // searchbtn.setAttribute("href", "#"); } }); </script> <script> document.addEventListener("CoveoSearchEndpointInitialized", function() { var searchboxElement = document.getElementById("_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9"); searchboxElement.addEventListener("CoveoComponentInitialized", function() { CoveoForSitecore.initSearchboxIfStandalone(searchboxElement, "https://www.wtwco.com/en-sg/search"); }); }) </script> <div id="_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9_container" data-prebind-maximum-age='currentMaximumAge' > <div id="_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9" class="CoveoSearchbox" data-enable-omnibox='true' data-prebind-maximum-age='currentMaximumAge' data-clear-filters-on-new-query='false' data-trigger-query-on-clear='false'> <script type="text/javascript"> document.addEventListener("CoveoSearchEndpointInitialized", function() { var componentId = "_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9"; var componentElement = document.getElementById(componentId); function showError(error) { console.error(error); } function areCoveoResourcesIncluded() { return typeof (Coveo) !== "undefined"; } if (areCoveoResourcesIncluded()) { var event = document.createEvent("CustomEvent"); event.initEvent("CoveoComponentInitialized", false, true); setTimeout(function() { componentElement.dispatchEvent(event); }, 0); } else { componentElement.classList.add("invalid"); showError("The Coveo Resources component must be included in this page."); } }); </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-SG")(@fz95xfullpath13762*="/sitecore/content/wtw*")"></span> </div> </div> </div> </div> </div> </section> </div> </div> <script type="text/javascript"> function mainNavClick(ele, navlevel) { var navCat, navSubCat, navSubCat2; if (navlevel == 3) { navSubCat2 = $(ele).data('elabel'); navSubCat = $(ele).parents('li.show').children(".dropdown-toggle").data("elabel"); navCat = $(ele).parents('li.show').parents('li.show').children(".dropdown-toggle").data("elabel"); } else if (navlevel == 2) { navSubCat = $(ele).data('elabel'); navCat = $(ele).parents('li.show').children(".dropdown-toggle").data("elabel"); } else if (navlevel == 1) { navCat = $(ele).data('elabel'); } window.dataLayer = window.dataLayer || []; window.dataLayer.push({ 'event': 'main_menu_navigation', 'click_text': $(ele).data('elabel'), 'click_url': $(ele).attr('href') == undefined || $(ele).attr('href') == "#" ? document.location.href : $(ele).prop('href'), 'navigation_category': navCat, 'navigation_subcategory': navSubCat, 'navigation_subcategory_2': navSubCat2 }); } </script> <div class="sr-only" id="main-content" tabindex="-1">main content, press tab to continue</div> <header> <div class="hero-large hero-large__hero-image hero-large__bold"> <div class="container"> <div class="row"> <div class="col-12 col-lg-6"> <div class="hero-large__eyebrow heading-4 text-faded">Solution</div> <h1 class="hero-large__title"> <span>Environmental Risks</span> </h1> <p class="hero-large__description font-p-large text-faded">A trailblazer in understanding environmental liability, our environmental risk management team has a deep knowledge and breadth of experience in analyzing and assessing your risks.</p> <a href="https://www.wtwco.com/en-sg/contact-us" class="btn btn-lg btn-primary arrow-link text-white" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Contact Us Button" data-ewlabel="Contact Us Button" data-cdlabel="Contact Us" data-cilabel="/sitecore/content/WTW/contact-us" data-ctlabel="Contact Us Button"> Contact Us <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </a> </div> <div class="col-12 col-lg-6 position-static" data-match-height=""> <div class="hero-large__image-container"> <div class="hero-large__image-reveal-wrapper" data-match-height="heroImage"> <picture> <source media="(max-width: 992px)" srcset="https://media.wtwco.com/-/media/Feature/Resources/Images/icons/hide.png?modified=20200414150518&imgeng=meta_true"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/Sitecore/GettyImages-1309671698-1610.jpg?modified=20231114093501&imgeng=meta_true&h=1800&w=2880&la=en-SG&hash=1E76F071848836F11876CCD0B09B8183" class="img-fluid" role="presentation" alt="" /> </picture> <img src="https://media.wtwco.com/-/media/WTW/Motifs/WTWCO_Motifs_Large_SuMa_BR_2.svg?modified=20220907143815&imgeng=meta_true&la=en-SG&hash=9F11E47BDE853025BD56081617CC9A28" class="wtw-motif" role="presentation" alt="" /> </div> </div> </div> </div> </div> </div> </header> <main> <div class="jump-nav-bg"></div> <nav id="jump-nav" class="jump-nav"> <div class="jump-nav__toggle d-lg-none"> <button class="navbar-toggler w-100 collapsed" type="button" data-toggle="collapse" data-target="#jump-nav-collapse" aria-controls="jump-nav-collapse" aria-expanded="false" aria-label="Toggle navigation"> <div class="container"> <div class="row"> <div class="col"> <div class="jump-nav__label-list"> <span class="navbar-toggler-label font-weight-bold d-inline" data-target="#our-offering"> Our offering </span> <span class="navbar-toggler-label font-weight-bold d-none" data-target="#how-we-can-help"> How we can help </span> <span class="navbar-toggler-label font-weight-bold d-none" data-target="#frequently-asked-questions"> Frequently asked questions </span> <span class="navbar-toggler-label font-weight-bold d-none" data-target="#related-capabilities"> Related capabilities </span> <span class="navbar-toggler-label font-weight-bold d-none" data-target="#Related-insights"> Related insights </span> </div> <span class="material-symbols-outlined jump-nav-icon float-right">arrow_drop_down</span> </div> </div> </div> </button> </div> <div class="jump-nav__content"> <div id="jump-nav-scroll-target" class="navbar navbar-expand-lg"> <div id="jump-nav-collapse" class="collapse navbar-collapse"> <div class="container"> <div class="row"> <div class="col"> <div class="navbar-nav d-table"> <h2 class="sr-only">Jump navigation</h2><p class="sr-only">The following links will skip the user to important content areas of the page</p> <a class="nav-item nav-link font-weight-bold nav-item--title d-lg-none" href="#"> Solution </a> <a class="nav-item nav-link font-weight-bold d-lg-table-cell active" href="#our-offering" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Jump Navigation" data-ewlabel="Jump Navigation" data-cdlabel="Our offering" data-cilabel="/sitecore/content/WTW/solutions/environmental" data-ctlabel="Our offering"> Our offering </a> <a class="nav-item nav-link font-weight-bold d-lg-table-cell " href="#how-we-can-help" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Jump Navigation" data-ewlabel="Jump Navigation" data-cdlabel="How we can help" data-cilabel="/sitecore/content/WTW/solutions/environmental" data-ctlabel="How we can help"> How we can help </a> <a class="nav-item nav-link font-weight-bold d-lg-table-cell " href="#frequently-asked-questions" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Jump Navigation" data-ewlabel="Jump Navigation" data-cdlabel="Frequently asked questions" data-cilabel="/sitecore/content/WTW/solutions/environmental" data-ctlabel="Frequently asked questions"> Frequently asked questions </a> <a class="nav-item nav-link font-weight-bold d-lg-table-cell " href="#related-capabilities" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Jump Navigation" data-ewlabel="Jump Navigation" data-cdlabel="Related capabilities" data-cilabel="/sitecore/content/WTW/solutions/environmental" data-ctlabel="Related capabilities"> Related capabilities </a> <a class="nav-item nav-link font-weight-bold d-lg-table-cell " href="#Related-insights" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Jump Navigation" data-ewlabel="Jump Navigation" data-cdlabel="Related insights" data-cilabel="/sitecore/content/WTW/solutions/environmental" data-ctlabel="Related insights"> Related insights </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>Founded over 40 years ago, we are a pioneering environmental insurance brokerage group that has the necessary knowledge and breadth of experience to understand and anticipate your unique environmental risks.</p> <p>Environmental risks and associated third-party liabilities can threaten your organization’s financial health. You must protect your balance sheet from uninsured, unbudgeted and out-of-pocket expenses associated with:</p> <ul> <li>Environmental cleanup obligations</li> <li>Potential long-tail liability</li> <li>Toxic tort claims</li> <li>Third-party liability (bodily injury/property damage)</li> <li>Legal defense costs stemming from a wide range of environmental exposures</li> </ul> <p>Insurance plays a prominent role in environmental risk management. With straightforward underwriting requirements for environmental insurance, highly flexible products and realistic yet competitive pricing, there is no reason in today's market to risk having an uninsured environmental loss.</p> <p>Our environmental risk experts and insurance brokers can help you design, negotiate and deliver competitive risk management insurance programs with insurers matched to your specific environmental risk and exposure profile. Our customized approach supports favorable terms, competitive pricing and a solid platform for negotiating settlements for difficult claims.</p> <div class="wtw-stat-module"> <p class="stat-item"><span class="stat-number">1,000+</span> <span class="stat-text heading-6">pollution legal liability and contractors’ pollution liability policies placed a year.</span> </p> </div> <div class="wtw-stat-module"> <p class="stat-item"><span class="stat-number">1,200+</span> <span class="stat-text heading-6">environmental placements brokered annually.</span> </p> </div> <div class="wtw-stat-module mb-5"> <p class="stat-item"><span class="stat-number">$150mn</span> <span class="stat-text heading-6">in insurance premiums placed annually on behalf of our clients.</span> </p> </div> <p class="font-p-disclaimer">WTW stats as March 1, 2024</p> </article> <aside class="col-12 offset-lg-1 col-lg-4"> <div class="people"> <h2 class="heading-5"> Contact </h2> <hr class="horizontal-rule--thick"> <div class="media"> <img src="https://media.wtwco.com/-/media/WTW/Authors/Brian_McBride-485x485.jpg?modified=20220712161231&imgeng=meta_true&h=485&w=485&la=en-SG&hash=F8B383004C9B775A324D6F4B161A29A6" aria-hidden="true" loading="lazy" alt="" class="people__person-image" /> <div class="media-body"> <div class="font-p-small font-weight-semibold"> <a href="https://www.wtwco.com/en-sg/insights/all-insights#sort=%40fdate13762%20descending&f:@authors=[Brian%20McBride%20]" onclick="linkClick(this);" target="" data-etlabel="internal_link_click" data-selabel="People Authors Bios" data-ewlabel="Contact" data-cdlabel="Brian McBride " data-cilabel="/sitecore/content/WTW/insights/all-insights" data-ctlabel="Authors">  Brian McBride  </a> </div> <div class="font-p-small">Head of Environmental Broking, 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:Brian.mcbride@wtwco.com " class="font-weight-bold" aria-label="Click to email Brian McBride" 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:+1 404 224 5126" class="font-weight-bold" aria-label="Click to call Brian McBride" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="People Authors Bios"> +1 404 224 5126 </a> </span> </div> </div> </div> <hr> </div> <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">Product</p> <a href="https://www.wtwco.com/en-sg/solutions/products/cyber-quantified" class="heading-6 related-content-aside__link" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Content Matrix - Small - Right Rail" data-ewlabel="Product" data-cdlabel="Cyber Quantified" data-cilabel="/sitecore/content/WTW/solutions/products/cyber-quantified" data-ctlabel="Product">Cyber Quantified</a> </div> <div class="related-content-aside__item"> <p class="font-mono-small related-content-aside__eyebrow">Featured</p> <a href="https://www.wtwco.com/en-sg/insights/campaigns/a-smarter-way-to-risk" class="heading-6 related-content-aside__link" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Content Matrix - Small - Right Rail" data-ewlabel="Featured" data-cdlabel="A smarter way to risk" data-cilabel="/sitecore/content/WTW/insights/campaigns/a-smarter-way-to-risk">A smarter way to risk</a> </div> <div class="related-content-aside__item"> <p class="font-mono-small related-content-aside__eyebrow">Service</p> <a href="https://www.wtwco.com/en-sg/solutions/services/esg-and-sustainability-environmental" 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="ESG and Sustainability – Environmental" data-cilabel="/sitecore/content/WTW/solutions/services/esg-and-sustainability-environmental" data-ctlabel="Service">ESG and Sustainability – Environmental</a> </div> <div class="related-content-aside__item"> <p class="font-mono-small related-content-aside__eyebrow">Service</p> <a href="https://www.wtwco.com/en-sg/solutions/services/direct" 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="Direct (Property & Casualty)" data-cilabel="/sitecore/content/WTW/solutions/services/direct" data-ctlabel="Service">Direct (Property & Casualty)</a> </div> </section> </aside> </div> </section> <div id="our-offering"></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">With extensive experience and expertise, our environmental practice offers: </h3> <ul> <li>Environmental insurance expertise</li> <li>Specialized market knowledge</li> <li>Technical support</li> <li>Claims advocacy services</li> </ul> </article> <aside class="col-12 offset-lg-1 col-lg-4"> </aside> </div> </section> <div id="how-we-can-help"></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 team can help you to:</h3> <ul> <li>Identify and assist in the quantification of exposures through our assessment and analytical tools : <a href="https://www.wtwco.com/en-sg/solutions/products/connected-risk-intelligence" aria-label="Internal link, click here to read Connected Risk Intelligence">Connected Risk Intelligence</a>, <a href="https://www.wtwco.com/en-sg/solutions/products/dynamic-tcor" aria-label="Internal link, click here to read Dynamic TCOR">Dynamic TCOR</a>, <a href="https://www.wtwco.com/en-sg/solutions/products/risk-tolerance-clarified" aria-label="Internal link, click here to read Risk Tolerance Clarified">Risk Tolerance Clarified</a>, <a href="https://www.wtwco.com/en-sg/solutions/products/captive-quantified" aria-label="Internal link, click here to read Captive Quantified">Captive Quantified</a> and <a href="/en-sg/page-not-found" aria-label="Internal link, click here to read ESG Clarified">ESG Clarified</a></li> <li>Help mitigate the financial impact of environmental liabilities</li> <li>Assist in developing risk control practices, prudent risk transfer and alternative approaches to insurance coverage</li> <li>Determine whether a captive makes sense for your business</li> </ul> <p>Our team places more than 1,000 pollution legal liability (PLL) and contractors’ pollution liability (CPL) policies a year.</p> <p>We serve thousands of clients worldwide ranging in size from midsize organizations to multi-billion dollar global businesses operating in multiple industries, including:</p> <ul> <li>Chemical manufacturing</li> <li>Commercial real estate</li> <li>Contaminated site redevelopment</li> <li>Contracting</li> <li>Construction</li> <li>Energy</li> <li>Financial services</li> <li>Healthcare</li> <li>Utilities</li> <li>Waste disposal</li> </ul> <p>As a seasoned environmental risk manager, we have access to over 30 global primary insurers. We broker more than 1,200 environmental placements annually (including more than 500 site pollution programs) representing over $150 million in insurance premiums annually on behalf of our clients.</p> <p>Our team leverages WTW’s global network to collect industry knowledge from each insurer interaction and placement, enabling us to provide you with the right coverage at the right price. Furthermore, our team includes environmental experts who understand regulations, enforcement and the brownfield process to enhance coverage and optimize program design.</p> </article> <aside class="col-12 offset-lg-1 col-lg-4"> </aside> </div> </section> <div id="frequently-asked-questions"></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">Frequently asked questions:</h2> <div id="wtw-accordion" class="wtw-accordion"> <div class="wtw-accordion-item"> <div class="wtw-accordion-header"> <button type="button" aria-controls="collapse1" class="collapsed accordion-title heading-6" data-toggle="collapse" aria-expanded="false" data-target="#collapse1"> What is environmental risk? </button> </div> <div id="collapse1" class="wtw-accordion-content collapse" data-parent="#wtw-accordion" aria-labelledby="collapse1" role="region"> <div class="accordion-body"> <p> Environmental risk refers to the potential negative impacts that an action may have on the natural world. Environmental risks can result in harm to people, wildlife, habitats, waterways and the air. Today, businesses must consider and address the potential environmental impacts of their actions. </p> </div> </div> </div> <div class="wtw-accordion-item"> <div class="wtw-accordion-header"> <button type="button" aria-controls="collapse2" class="collapsed accordion-title heading-6" data-toggle="collapse" aria-expanded="false" data-target="#collapse2"> What are the biggest environmental risks facing organizations today? </button> </div> <div id="collapse2" class="wtw-accordion-content collapse" data-parent="#wtw-accordion" aria-labelledby="collapse2" role="region"> <div class="accordion-body"> <p>Businesses are a leading contributor to environmental risks through their operations, industrial processes and supply chains. Serious environmental risks that company actions might create include:</p> <ul> <li>Water pollution</li> <li>Air pollution</li> <li>Land degradation (deforestation and soil erosion)</li> <li>Biodiversity loss</li> <li>Waste generation</li> </ul> </div> </div> </div> <div class="wtw-accordion-item"> <div class="wtw-accordion-header"> <button type="button" aria-controls="collapse3" class="collapsed accordion-title heading-6" data-toggle="collapse" aria-expanded="false" data-target="#collapse3"> How can organizations mitigate environmental risk? </button> </div> <div id="collapse3" class="wtw-accordion-content collapse" data-parent="#wtw-accordion" aria-labelledby="collapse3" role="region"> <div class="accordion-body"> <p>The best way to reduce risk is through governance and oversight. Organizations require proper environmental controls and standards across the business that meet or exceed local, regional or national regulations. Understanding and assessing environmental risk exposures and creating strong governance and controls to address them are essential to long-term organizational sustainability.</p> <p>Risk transfer is another crucial tool to protect your organization, especially from hard-to-predict risks such as an explosion, leak or spill. Working with us, we can bring a fresh perspective that internal stakeholders may overlook, help you identify new or evolving environmental risks and develop the right risk transfer program to address them.</p> </div> </div> </div> <div class="wtw-accordion-item"> <div class="wtw-accordion-header"> <button type="button" aria-controls="collapse4" class="collapsed accordion-title heading-6" data-toggle="collapse" aria-expanded="false" data-target="#collapse4"> What does pollution legal liability (PLL) or site pollution liability cover? </button> </div> <div id="collapse4" class="wtw-accordion-content collapse" data-parent="#wtw-accordion" aria-labelledby="collapse4" role="region"> <div class="accordion-body"> <p>Site pollution liability (sometimes referred to as pollution legal liability (PLL)) insurance protects owners and tenants against losses from unknown and known sources of pollution liability at specific locations. The unknown sources may be either existing contamination that is undiscovered or contamination resulting from future releases. Known conditions may be considered with a corresponding mitigating factor (below actionable levels, engineering/deed/regulatory controls). Coverage is most often claims made. PLL can also satisfy most federal and state-specific pollution liability financial assurance requirements. PLL coverage applies to pollution losses on, at, or from and covered location and resulting in:</p> <ul> <li>Third-party claims for bodily injury or property damage (on and off site)</li> <li>Onsite and offsite mandated cleanup costs</li> <li>Associated expenses for legal defense and investigation (within the policy limits)</li> <li>Other enhancements based on risk profile (e.g., mold coverage, pollution transportation, non-owned disposal site liability, pollution, business interruption, etc.)</li> </ul> </div> </div> </div> <div class="wtw-accordion-item"> <div class="wtw-accordion-header"> <button type="button" aria-controls="collapse5" class="collapsed accordion-title heading-6" data-toggle="collapse" aria-expanded="false" data-target="#collapse5"> What does contractors’ pollution liability (CPL) cover? </button> </div> <div id="collapse5" class="wtw-accordion-content collapse" data-parent="#wtw-accordion" aria-labelledby="collapse5" role="region"> <div class="accordion-body"> <p>Contractors’ pollution liability (CPL) insurance addresses pollution conditions arising from covered contract operations performed for third parties at non-owned locations. It includes third-party cleanup costs, third-party bodily injury and property damage, including third-party business interruption and natural resource damages, pollution from transportation, disposal liability and defense costs (within the policy limits). These programs may also satisfy project-specific or fixed-base operator requirements and can be placed on behalf of the project owner(s), the primary contractor or general contractor. Coverage can be occurrence or claims made.</p> </div> </div> </div> </div> <p><strong>For specialist help discovering smarter ways to manage your environmental risk exposures, please get in touch with the contacts listed at the top of this page.</strong></p> </article> <aside class="col-12 offset-lg-1 col-lg-4"> </aside> </div> </section> <div id="related-capabilities"></div> <section class="container related-content-matrix" id="related-capabilities"> <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-4"> <a href="https://www.wtwco.com/en-sg/solutions/aviation-and-space" title="Aviation & Space" class="related-matrix-item-link" data-capability-id="c3458d43-5b5b-47d7-b077-6bb53805363c" data-capability-code="Aerospace" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Aviation & Space" data-cilabel="/sitecore/content/WTW/solutions/aviation-and-space"> <div class="related-matrix-item"> <div class="related-matrix-item__img-wrapper d-none d-md-block"> <picture> <source media="(max-width: 767px)" srcset="https://media.wtwco.com/-/media/Feature/Resources/Images/icons/hide.png?modified=20200414150518&imgeng=meta_true"> <img src="https://media.wtwco.com/-/media/WTW/Solutions/Aerospace-1610-597662479.jpg?modified=20200624110907&imgeng=meta_true&la=en-SG&h=506&w=810&mw=810&hash=C510BC39496BB76013AC5B3009F796F0" aria-hidden="true" loading="lazy" alt="" class="related-matrix-item__img" role="presentation" /> </picture> </div> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Aviation & Space </div> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> <div class="col-12 col-md-4 col-xl-4"> <a href="https://www.wtwco.com/en-sg/industries/construction" title="Construction" class="related-matrix-item-link" data-capability-id="a0d1fc27-404e-4f86-8195-301ed9b1f144" data-capability-code="Construction" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Construction" data-cilabel="/sitecore/content/WTW/industries/construction"> <div class="related-matrix-item"> <div class="related-matrix-item__img-wrapper d-none d-md-block"> <picture> <source media="(max-width: 767px)" srcset="https://media.wtwco.com/-/media/Feature/Resources/Images/icons/hide.png?modified=20200414150518&imgeng=meta_true"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610/Industry-Specific/Construction_Industry-Specific/GettyImages-149320659-1610.jpg?modified=20190322024638&imgeng=meta_true&la=en-SG&h=506&w=810&mw=810&hash=B9A06C140A2699511AA156106A911424" aria-hidden="true" loading="lazy" alt="" class="related-matrix-item__img" role="presentation" /> </picture> </div> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Construction </div> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> <div class="col-12 col-md-4 col-xl-4"> <a href="https://www.wtwco.com/en-sg/industries/manufacturing" title="Manufacturing" class="related-matrix-item-link" data-capability-id="d8dc36ee-d05e-4c27-a19f-9d0c71b32cd8" data-capability-code="Manufacturing" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Manufacturing" data-cilabel="/sitecore/content/WTW/industries/manufacturing"> <div class="related-matrix-item"> <div class="related-matrix-item__img-wrapper d-none d-md-block"> <picture> <source media="(max-width: 767px)" srcset="https://media.wtwco.com/-/media/Feature/Resources/Images/icons/hide.png?modified=20200414150518&imgeng=meta_true"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/GettyImages-1298123962-1610.jpg?modified=20220128195615&imgeng=meta_true&la=en-SG&h=506&w=810&mw=810&hash=FCB4D2F55E60426C88A31A470514A15E" aria-hidden="true" loading="lazy" alt="" class="related-matrix-item__img" role="presentation" /> </picture> </div> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Manufacturing </div> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> <div class="col-12 col-md-4 col-xl-4"> <a href="https://www.wtwco.com/en-sg/solutions/mergers-and-acquisitions" title="Mergers and Acquisitions" class="related-matrix-item-link" data-capability-id="84ce6771-920a-476c-949b-507a25691a23" data-capability-code="Mergers and Acquisitions" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Mergers and Acquisitions" data-cilabel="/sitecore/content/WTW/solutions/mergers-and-acquisitions"> <div class="related-matrix-item"> <div class="related-matrix-item__img-wrapper d-none d-md-block"> <picture> <source media="(max-width: 767px)" srcset="https://media.wtwco.com/-/media/Feature/Resources/Images/icons/hide.png?modified=20200414150518&imgeng=meta_true"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/GettyImages-1284734392-1610.jpg?modified=20230207154317&imgeng=meta_true&la=en-SG&h=507&w=810&mw=810&hash=72074599A3032323E4B3338D3DCFFD57" aria-hidden="true" loading="lazy" alt="" class="related-matrix-item__img" role="presentation" /> </picture> </div> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Mergers and Acquisitions </div> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> <div class="col-12 col-md-4 col-xl-4"> <a href="https://www.wtwco.com/en-sg/industries/natural-resources" title="Natural Resources" class="related-matrix-item-link" data-capability-id="2ef4e09c-8294-4890-834f-f7e1e3021057" data-capability-code="Recursos Natruales" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Natural Resources" data-cilabel="/sitecore/content/WTW/industries/natural-resources"> <div class="related-matrix-item"> <div class="related-matrix-item__img-wrapper d-none d-md-block"> <picture> <source media="(max-width: 767px)" srcset="https://media.wtwco.com/-/media/Feature/Resources/Images/icons/hide.png?modified=20200414150518&imgeng=meta_true"> <img src="https://media.wtwco.com/-/media/WTW/Industries/NaturalResources-1610-108442571.jpg?modified=20190117212259&imgeng=meta_true&la=en-SG&h=506&w=810&mw=810&hash=794980165B5BA427C4FFB36C8EEE62E8" aria-hidden="true" loading="lazy" alt="" class="related-matrix-item__img" role="presentation" /> </picture> </div> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Natural Resources </div> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> <div class="col-12 col-md-4 col-xl-4"> <a href="https://www.wtwco.com/en-sg/industries/real-estate" title="Real Estate" class="related-matrix-item-link" data-capability-id="36142626-2383-41fb-981b-9f80dc5a02c9" data-capability-code="Real Estate" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Real Estate" data-cilabel="/sitecore/content/WTW/industries/real-estate"> <div class="related-matrix-item"> <div class="related-matrix-item__img-wrapper d-none d-md-block"> <picture> <source media="(max-width: 767px)" srcset="https://media.wtwco.com/-/media/Feature/Resources/Images/icons/hide.png?modified=20200414150518&imgeng=meta_true"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/GettyImages-1397743638-1610.jpg?modified=20220901225845&imgeng=meta_true&la=en-SG&h=506&w=810&mw=810&hash=A12EDCC4AFD620BB5FCC0C4FA167078C" aria-hidden="true" loading="lazy" alt="" class="related-matrix-item__img" role="presentation" /> </picture> </div> <div class="related-matrix-item__text-wrapper"> <div class="related-matrix-item__heading heading-5"> Real Estate </div> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </div> </div> </a> </div> </div> </section> <div id="Related-insights"></div> <section id="insights" class="related-content " aria-label="carousel"> <div class="container"> <div class="row"> <div class="col-12 col-md-9"> <h2 class="heading-3"> Related insights </h2> </div> <div class="col-12 col-md-3 text-md-right"> <a href="/en-sg/insights/all-insights" class="btn btn-link arrow-link px-0" onclick="linkClick(this);" data-etlabel="cta_click" data-ewlabel="Related insights" data-cdlabel="See all insights" data-selabel="Insights Carousel - See all insights" data-cilabel="/sitecore/content/WTW/insights/all-insights" aria-label="See all Insights; click to see all insights from Willis Towers Watson"> See all insights <span class="material-symbols-outlined" aria-hidden="true">arrow_right_alt</span> </a> </div> </div> <div class="row"> <div class="col"> <div class="related-content__carousel clearfix"> <a class="card related-content-card float-left " href="https://www.wtwco.com/en-sg/insights/2024/09/why-environmental-risk-matters-in-mergers-and-acquisitions" aria-label="Why environmental risk matters in mergers and acquisitions" onclick="carouselClick(this);" data-etlabel="carousel_click" data-cklabel="Why environmental risk matters in mergers and acquisitions" data-ctlabel="Article" data-ewlabel="Article" data-cdlabel="Why environmental risk matters in mergers and acquisitions" data-selabel="Insights Carousel" data-cilabel="/sitecore/content/WTW/insights/2024/09/why-environmental-risk-matters-in-mergers-and-acquisitions"> <div class="related-content-card__img-container"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/GettyImages-1139456318-1610.jpg?modified=20240612071957&imgeng=meta_true&la=en-SG&h=405&w=648&mw=648&hash=9287317D07625C2928D539CCA7F90003" loading="lazy" class="card-img-top" role="presentation" alt="" /> </div> <div class="card-body"> <div class="related-content-card__eyebrow"> Article </div> <div class="card-title heading-5"> Why environmental risk matters in mergers and acquisitions </div> </div> </a> <a class="card related-content-card float-left " href="https://www.wtwco.com/en-sg/insights/2024/08/how-to-get-ahead-of-emerging-environmental-risks-in-the-food-and-beverage-industry" aria-label="How to get ahead of emerging environmental risks in the food and beverage industry" onclick="carouselClick(this);" data-etlabel="carousel_click" data-cklabel="How to get ahead of emerging environmental risks in the food and beverage industry" data-ctlabel="Article" data-ewlabel="Article" data-cdlabel="How to get ahead of emerging environmental risks in the food and beverage industry" data-selabel="Insights Carousel" data-cilabel="/sitecore/content/WTW/insights/2024/08/how-to-get-ahead-of-emerging-environmental-risks-in-the-food-and-beverage-industry"> <div class="related-content-card__img-container"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610/Manufacturing-Food-RRD-Oct-2019-1610/GettyImages-115618349-1610.jpg?modified=20191022184653&imgeng=meta_true&la=en-SG&h=405&w=648&mw=648&hash=5A057CD3F5AFD2A26F6FC14E7C19E63B" loading="lazy" class="card-img-top" role="presentation" alt="" /> </div> <div class="card-body"> <div class="related-content-card__eyebrow"> Article </div> <div class="card-title heading-5"> How to get ahead of emerging environmental risks in the food and beverage industry </div> </div> </a> <a class="card related-content-card float-left " href="https://www.wtwco.com/en-sg/insights/2024/05/global-food-beverage-and-agriculture-risk-report-2024" aria-label="Global Food, Beverage and Agriculture Risk Report 2024" onclick="carouselClick(this);" data-etlabel="carousel_click" data-cklabel="Global Food, Beverage and Agriculture Risk Report 2024" data-ctlabel="Survey Report" data-ewlabel="Survey Report" data-cdlabel="Global Food, Beverage and Agriculture Risk Report 2024" data-selabel="Insights Carousel" data-cilabel="/sitecore/content/WTW/insights/2024/05/global-food-beverage-and-agriculture-risk-report-2024"> <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-SG&h=405&w=648&mw=648&hash=9ACD044C3E27461D3BC612927DE8E3FB" 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> <a class="card related-content-card float-left " href="https://www.wtwco.com/en-sg/insights/2024/04/navigating-environmental-risks-in-aviation" aria-label="Navigating environmental risks in aviation" onclick="carouselClick(this);" data-etlabel="carousel_click" data-cklabel="Navigating environmental risks in aviation" data-ctlabel="Article" data-ewlabel="Article" data-cdlabel="Navigating environmental risks in aviation" data-selabel="Insights Carousel" data-cilabel="/sitecore/content/WTW/insights/2024/04/navigating-environmental-risks-in-aviation"> <div class="related-content-card__img-container"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/GettyImages-dv262005-1610.jpg?modified=20221202132813&imgeng=meta_true&la=en-SG&h=405&w=648&mw=648&hash=A60D95A78B8FF58E58658209002F9EFF" loading="lazy" class="card-img-top" role="presentation" alt="" /> </div> <div class="card-body"> <div class="related-content-card__eyebrow"> Article </div> <div class="card-title heading-5"> Navigating environmental risks in aviation </div> </div> </a> <a class="card related-content-card float-left " href="https://www.wtwco.com/en-sg/insights/2023/09/how-to-manage-environmental-risks-facing-the-construction-industry" aria-label="How to manage environmental risks facing the construction industry " onclick="carouselClick(this);" data-etlabel="carousel_click" data-cklabel="How to manage environmental risks facing the construction industry " data-ctlabel="Webcast" data-ewlabel="Webcast" data-cdlabel="How to manage environmental risks facing the construction industry " data-selabel="Insights Carousel" data-cilabel="/sitecore/content/WTW/insights/2023/09/how-to-manage-environmental-risks-facing-the-construction-industry"> <div class="related-content-card__img-container"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/GettyImages-143918313-1610.jpg?modified=20230824101942&imgeng=meta_true&la=en-SG&h=405&w=648&mw=648&hash=D652BD53E7AF06BB087267AA04819BEE" loading="lazy" class="card-img-top" role="presentation" alt="" /> </div> <div class="card-body"> <div class="related-content-card__eyebrow"> Webcast </div> <div class="card-title heading-5"> How to manage environmental risks facing the construction industry </div> </div> </a> <a class="card related-content-card float-left " href="https://www.wtwco.com/en-sg/insights/2024/03/is-your-airport-protected-against-the-environmental-risks-of-fire" aria-label="Is your airport protected against the environmental risks of fire?" onclick="carouselClick(this);" data-etlabel="carousel_click" data-cklabel="Is your airport protected against the environmental risks of fire?" data-ctlabel="Article" data-ewlabel="Article" data-cdlabel="Is your airport protected against the environmental risks of fire?" data-selabel="Insights Carousel" data-cilabel="/sitecore/content/WTW/insights/2024/03/is-your-airport-protected-against-the-environmental-risks-of-fire"> <div class="related-content-card__img-container"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/GettyImages-590164594-1610.jpg?modified=20240315064112&imgeng=meta_true&la=en-SG&h=405&w=648&mw=648&hash=AA8886D1415367550C359F59AF8F30D9" loading="lazy" class="card-img-top" role="presentation" alt="" /> </div> <div class="card-body"> <div class="related-content-card__eyebrow"> Article </div> <div class="card-title heading-5"> Is your airport protected against the environmental risks of fire? </div> </div> </a> <a class="card related-content-card float-left " href="https://www.wtwco.com/en-sg/insights/2024/02/navigating-environmental-risks-in-real-estate-investments" aria-label="Navigating environmental risks in real estate investments" onclick="carouselClick(this);" data-etlabel="carousel_click" data-cklabel="Navigating environmental risks in real estate investments" data-ctlabel="Webcast" data-ewlabel="Webcast" data-cdlabel="Navigating environmental risks in real estate investments" data-selabel="Insights Carousel" data-cilabel="/sitecore/content/WTW/insights/2024/02/navigating-environmental-risks-in-real-estate-investments"> <div class="related-content-card__img-container"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610/May_22_Sitecore/GettyImages-1256322426-1610.jpg?modified=20221026103314&imgeng=meta_true&la=en-SG&h=405&w=648&mw=648&hash=3B3646259DF82C46F73263D39CAFE6CE" loading="lazy" class="card-img-top" role="presentation" alt="" /> </div> <div class="card-body"> <div class="related-content-card__eyebrow"> Webcast </div> <div class="card-title heading-5"> Navigating environmental risks in real estate investments </div> </div> </a> </div> <div class="related-content__carousel-controls d-flex align-items-center justify-content-center justify-content-md-start mb-lg-2"> <button class="related-content__carousel-prev" aria-label="Previous"> <span class="material-symbols-outlined" aria-hidden="true">arrow_back</span> </button> <div class="related-content__carousel-dots mx-2"></div> <button class="related-content__carousel-next" aria-label="Next"> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </button> </div> </div> </div> </div> <script type="text/javascript"> function carouselClick(ele) { window.dataLayer = window.dataLayer || []; window.dataLayer.push({ 'event': 'carousel_click', 'carousel_location': window.location.href, 'carousel_name': 'Related insights', 'click_item': $(ele).data('cklabel'), 'slide_number': $(ele).data('slickIndex') + 1, 'component_category': $(ele).data('ctlabel'), 'eyebrow_field': $(ele).data('ewlabel'), 'card_text': $(ele).data('cdlabel'), 'sitecore_component': $(ele).data('selabel'), 'card_item': $(ele).data('cilabel') }); } </script> </section> <div class="contact-us__wrapper"> <a href="https://www.wtwco.com/en-sg/contact-us" class="contact-us__button" onclick="linkClick(this)" data-etlabel="internal_link_click" data-selabel="Persistent Contact Us button" data-ewlabel="Contact Us Persistent Button" data-cdlabel="Envelope Icon" data-cilabel="/sitecore/content/WTW/contact-us" aria-label="Contact Willis Towers Watson, click to navigate to a contact form page"> <img src="-/media/Feature/Resources/Images/buttons/contact-us.svg" class="img-fluid" loading="lazy" alt="Contact us"> </a> </div> </main> <footer class="site-footer" id="divWtwFooter"> <div class="container"> <div class="row"> <div class="col-12 col-md-4"> <a href=https://www.wtwco.com/en-sg class="d-block site-footer__logo" onclick="linkClick(this);" data-etlabel="footer_navigation" data-selabel="Logo" data-ewlabel="Logo (footer)" data-cdlabel="WTW" data-cilabel="/sitecore/content/WTW"> <img src="https://media.wtwco.com/-/media/WTW/Logo/Footer-Willis-Towers-Watson_Text.svg?modified=20220110040900&imgeng=meta_true&la=en-SG&hash=9CC90C210E530BE6B9FF7CD711112666" loading="lazy" alt="Willis Towers Watson logo" /> </a> </div>  <div class="col-12 offset-md-1 col-md-4"> <ul class="site-footer__primary"> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-sg/about-us/overview" data-cdlabel="About Us" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/about-us/overview" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >About Us</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-sg/people" data-cdlabel="People" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/people" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >People</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-sg/risk" data-cdlabel="Risk" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/risk" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Risk</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-sg/capital" data-cdlabel="Capital" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/capital" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Capital</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-sg/news/all-news" data-cdlabel="News" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/news/all-news" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >News</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-sg/insights/all-insights" data-cdlabel="Insights" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/insights/all-insights" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Insights</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://investors.wtwco.com" data-cdlabel="Investor Relations" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="https://investors.wtwco.com" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" target="_blank" >Investor Relations</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://careers.wtwco.com/" data-cdlabel="Careers" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="https://careers.wtwco.com/" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" target="_blank" >Careers</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-sg/about-us/office-locations" data-cdlabel="Office Locations" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/about-us/office-locations" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Office Locations</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-sg/social-media" data-cdlabel="Social Media" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/social-media" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Social Media</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-sg/contact-us" data-cdlabel="Contact Us" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/contact-us" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Contact Us</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-sg/sitemap" data-cdlabel="Sitemap" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/sitemap" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Sitemap</a> </li> </ul> </div>  <div class="col-12 col-md-3"> <ul class="site-footer__secondary"> <li> <a href="https://www.wtwco.com/en-sg/notices/global-website-privacy-notice" data-cdlabel="Global Website Privacy Notice" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/global-website-privacy-notice" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Global Website Privacy Notice</a> </li> <li> <a href="https://www.wtwco.com/en-sg/notices/terms-of-use" data-cdlabel="Terms of Use" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/terms-of-use" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Terms of Use</a> </li> <li> <a href="https://www.wtwco.com/en-sg/notices/accessibility-statement" data-cdlabel="Accessibility Statement" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/accessibility-statement" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Accessibility Statement</a> </li> <li> <a href="https://www.wtwco.com/en-sg/notices/cookie-notice" data-cdlabel="Cookie Notice" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/cookie-notice" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Cookie Notice</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="#" class="ot-sdk-show-settings font-p-xsmall font-weight-bold site-footer__secondary-link" onclick="linkClick(this);" data-etlabel="footer_navigation" data-selabel="Footer links - Secondary" data-ewlabel="Secondary Footer Link" data-cdlabel="Cookie Settings" aria-haspopup="true">Cookie Settings</a> </li> <li> <a href="https://www.wtwco.com/-/media/wtw/notices/code-of-conduct-english.pdf?modified=20230523202859" data-cdlabel="Code of Conduct" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/media library/WTW/Notices/Code-of-Conduct-English" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" target="_blank" >Code of Conduct</a> </li> <li> <a href="https://www.wtwco.com/en-sg/notices/privacy-notice-singapore" data-cdlabel="Singapore Privacy Notice" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/privacy-notice-Singapore" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Singapore Privacy Notice</a> </li> </ul> </div> </div>  <div class="row"> <div class="col-12 col-md-4"> <div class="site-footer__social-container"> <a href="https://www.facebook.com/WTWcorporate" data-cdlabel="Facebook" target="_blank" data-ewlabel="Social" style="background-image: url(https://media.wtwco.com/-/media/Feature/Resources/Images/icons/facebook.svg?modified=20181030190638&imgeng=meta_true);" onclick="linkClick(this);" data-selabel="Social links" title="Facebook" data-cilabel="https://www.facebook.com/WTWcorporate" class="site-footer__social-link" rel="noopener noreferrer" data-etlabel="footer_navigation" data-ctlabel="Social Link" ></a><a href="https://www.linkedin.com/company/wtwcorporate" data-cdlabel="Linkedin" target="_blank" data-ewlabel="Social" style="background-image: url(https://media.wtwco.com/-/media/Feature/Resources/Images/icons/linkedin.svg?modified=20181030190638&imgeng=meta_true);" onclick="linkClick(this);" data-selabel="Social links" title="Linkedin" data-cilabel="https://www.linkedin.com/company/wtwcorporate" class="site-footer__social-link" rel="noopener noreferrer" data-etlabel="footer_navigation" data-ctlabel="Social Link" ></a><a href="https://www.instagram.com/wtwcorporate" data-cdlabel="Instagram" target="_blank" data-ewlabel="Social" style="background-image: url(https://media.wtwco.com/-/media/Feature/Resources/Images/icons/instagram.svg?modified=20221122210540&imgeng=meta_true);" onclick="linkClick(this);" data-selabel="Social links" title="Instagram" data-cilabel="https://www.instagram.com/wtwcorporate" class="site-footer__social-link" rel="noopener noreferrer" data-etlabel="footer_navigation" data-ctlabel="Social Link" ></a> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"Organization","@id":"https://www.wtwco.com#organization","sameAs":["https://www.facebook.com/WTWcorporate","https://www.linkedin.com/company/wtwcorporate","https://www.instagram.com/wtwcorporate"]} </script> </div> </div> </div> <div class="row"> <div class="col-12"> <p class="font-p-xsmall m-0 mt-md-2 site-footer__copyright">Copyright © 2024 WTW. All rights reserved.</p> </div> </div> </div> </footer> <script src="https://www.wtwco.com/-/media/Feature/Resources/Javascript-Files/jquerymin.js?modified=20210727212433&v=2.0.0.0"></script> <script src="https://www.wtwco.com/-/media/Feature/Resources/Javascript-Files/bootstrapmin.js?modified=20210727212347&v=2.0.0.0"></script> <script src="https://www.wtwco.com/-/media/Feature/Resources/Javascript-Files/scrollrevealmin.js?modified=20200402212017&v=2.0.0.0"></script> <script src="https://www.wtwco.com/-/media/Feature/Resources/Javascript-Files/sitemin.js?modified=20241030170532&v=2.0.0.0"></script> <script> function linkClick(ele) { window.dataLayer = window.dataLayer || []; window.dataLayer.push({ 'event': $(ele).data('etlabel') || 'internal_link_click', 'component_category': $(ele).data('ctlabel') || $(ele).data('ewlabel'), 'eyebrow_field': $(ele).data('ewlabel'), 'card_text': $(ele).data('cdlabel'), 'sitecore_component': $(ele).data('selabel'), 'card_item': $(ele).data('cilabel') }); } </script> <script type="text/javascript"> function getMarketoCookie() { function escape(s) { return s.replace(/([.*+?\^$(){}|\[\]\/\\])/g, '\\$1'); } var match = document.cookie.match(RegExp('(?:^|;\\s*)' + escape("_mkto_trk") + '=([^;]*)')); return match ? match[1] : "undefined"; } function GetServicesProductTags(value) { if (window.location.href.toLowerCase().indexOf("services") > -1 || window.location.href.toLowerCase().indexOf("products") > -1) { var elRelatedSolutions = $("#related-solutions"); if (elRelatedSolutions != null && elRelatedSolutions.length) { var tagCode = ""; elRelatedSolutions.each(function () { $(this).find('a').each(function () { var code = $(this).data('capability-code'); tagCode = tagCode.concat(code, "|"); }); }); return tagCode.slice(0, -1); } return value; } else { return value; } } function GetServicesProductTagsGuids(value) { if (window.location.href.toLowerCase().indexOf("services") > -1 || window.location.href.toLowerCase().indexOf("products") > -1) { var elRelatedSolutions = $("#related-solutions"); if (elRelatedSolutions != null && elRelatedSolutions.length) { var tagGuids = ""; elRelatedSolutions.each(function () { $(this).find('a').each(function () { var guid = $(this).data('capability-id'); tagGuids = tagGuids.concat(guid, "|"); }); }); return tagGuids.slice(0,-1); } return value; } else { return value; } } window.dataLayer.push({ 'event': 'dataLayer-initialized', 'content_language': 'English', 'content_language_code': 'en', 'content_country_name': 'Singapore', 'content_country_code': 'SG', 'page_id': '4d78a72f-18f2-4bdb-976f-883397648e38_en-sg', 'page_template': 'Solution Page', 'item_guid': '4d78a72f-18f2-4bdb-976f-883397648e38', 'article_date': '6/4/2024', 'article_type': 'Solution', 'capability_tag_guid': '7394ab6c-3a37-4f77-afc3-8e1976d15d0a', 'capability_tag_name': 'Environmental Risks', 'tags': GetServicesProductTags('Environmental Risks'), 'tags_guids': GetServicesProductTagsGuids('7394ab6c-3a37-4f77-afc3-8e1976d15d0a'), 'content_title': 'Environmental Risks', 'content_eyebrow': 'Solution', 'publication': 'None', 'author': 'WTW', 'item_path': '/sitecore/content/WTW/solutions/environmental', 'sitecore_id': 'f6818671-3058-40dd-b7d0-9e4ef22ce7ec', 'sitecore_session_id': '91ce5d6e-5cd8-4cac-9aa6-8c05cd42f8d3', 'marketo_id': getMarketoCookie() }); </script> <link rel="stylesheet" href="/Coveo/Hive/css/CoveoFullSearch.min.css" /> <link rel="stylesheet" href="/Coveo/Hive/css/CoveoForSitecore.min.css" /> <script class="coveo-script" type="text/javascript" src='/Coveo/Hive/js/CoveoJsSearch.Lazy.min.js'></script> <script class="coveo-for-sitecore-script" type="text/javascript" src='/Coveo/Hive/js/CoveoForSitecore.Lazy.min.js'></script> <script type="text/javascript" src="/coveo/hive/js/cultures/en.js"></script> <div>  <div id="SearchResourcesProperties_2516d508c74242f4bfca6bee16486789" class="CoveoForSitecoreContext" data-sc-should-have-analytics-component='true' data-sc-analytics-enabled='true' data-sc-current-language='en-SG' data-prebind-sc-language-field-name='fieldTranslator' data-sc-language-field-name='_language' data-sc-labels='{"Ascending" : "Ascending" , "Descending" : "Descending" , "Created" : "Created" , "Created By" : "Created by" , "Creation Time" : "Creation time." , "Language" : "Language" , "Last Time Modified" : "Last time modified." , "Template" : "Template" , "Uniform resource identifier" : "URI" , "Updated By" : "Updated by" , "If the problem persists contact the administrator." : "If the problem persists contact the administrator." , "Search is currently unavailable" : "Oops! Something went wrong on the server."}' data-sc-maximum-age='900000' data-sc-page-name='environmental' data-sc-page-name-full-path='/sitecore/content/WTW/solutions/environmental' data-sc-index-source-name='WTW-Web-Index' data-sc-is-in-experience-editor='false' data-sc-is-user-anonymous='true' data-sc-item-uri='sitecore://web/{4D78A72F-18F2-4BDB-976F-883397648E38}?lang=en-SG&ver=4' data-sc-item-id='4d78a72f-18f2-4bdb-976f-883397648e38' data-prebind-sc-latest-version-field-name='fieldTranslator' data-sc-latest-version-field-name='_latestversion' data-sc-rest-endpoint-uri='/coveo/rest' data-sc-analytics-endpoint-uri='/coveo/rest/ua' data-sc-site-name='wtwco' data-sc-field-prefix='f' data-sc-field-suffix='13762' data-sc-prefer-source-specific-fields='true' data-sc-external-fields='[{"fieldName":"permanentid","shouldEscape":false},{"fieldName":"_name","shouldEscape":true},{"fieldName":"title","shouldEscape":true},{"fieldName":"page title","shouldEscape":true},{"fieldName":"summary","shouldEscape":true},{"fieldName":"subtitle","shouldEscape":true},{"fieldName":"article-content-type","shouldEscape":true},{"fieldName":"country","shouldEscape":true},{"fieldName":"publication","shouldEscape":true},{"fieldName":"display-date","shouldEscape":true},{"fieldName":"industry","shouldEscape":true},{"fieldName":"topic","shouldEscape":true},{"fieldName":"solution","shouldEscape":true},{"fieldName":"authors","shouldEscape":true},{"fieldName":"solution-title","shouldEscape":true},{"fieldName":"formatted-display-date","shouldEscape":true},{"fieldName":"solution-category","shouldEscape":true},{"fieldName":"auto suggestion keyword","shouldEscape":true}]' > </div> <script type="text/javascript"> var endpointConfiguration = { itemUri: "sitecore://web/{4D78A72F-18F2-4BDB-976F-883397648E38}?lang=en-SG&ver=4", siteName: "wtwco", restEndpointUri: "/coveo/rest" }; if (typeof (CoveoForSitecore) !== "undefined") { CoveoForSitecore.SearchEndpoint.configureSitecoreEndpoint(endpointConfiguration); CoveoForSitecore.version = "5.0.1153.1"; var context = document.getElementById("SearchResourcesProperties_2516d508c74242f4bfca6bee16486789"); if (!!context) { CoveoForSitecore.Context.configureContext(context); } } </script> </div> <script type="application/ld+json"> [{"@context":"https://schema.org","@type":"Organization","@id":"https://www.wtwco.com#organization","name":"WTW","brand":"WTW","logo":"https://media.wtwco.com/-/media/WTW/Logo/Logo_Desktop.svg?modified=20240701125225&imgeng=meta_true"},{"@context":"https://schema.org","@type":"WebPage","primaryImageOfPage":{"@id":"https://www.wtwco.com/en-sg/solutions/environmental#primaryimage"},"@id":"https://www.wtwco.com/en-sg/solutions/environmental#webpage"},{"@context":"https://schema.org","@type":"ImageObject","contentUrl":"https://media.wtwco.com/-/media/WTW/Social-Brand-Refresh/custom-refresh/wtw-hp-2024-0769n-envirorisk-sm-1920x1080a.jpg?modified=20240509120005&imgeng=meta_true","@id":"https://www.wtwco.com/en-sg/solutions/environmental#primaryimage"}] </script>  </body> </html>

CINXE.COM

Environmental Risks - WTW