Direct (Property & Casualty)

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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); 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We're continuously evolving the wholesale model to deliver the future of broking across borders. Providing clients with an improved global market response, wherever they are in the world, through one point of access.</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 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new and emerging risks </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"> <style> @media (max-width:767.98px) { .static-page-hero.mb-5 { margin-bottom:60px!important; } } @media (min-width: 768px) { .static-page-hero.mb-5 { margin-bottom:0!important; } } </style> <h5 class="mb-4">One global team.</h5> <p>We have joined our major global placement hubs in Bermuda, London, Singapore, Shanghai and Hong Kong under a single Direct (Property & Casualty) team. </p> <p>This allows us to share the skills, expertise and knowledge we have globally, ensuring WTW continues to consistently deliver the best possible placement solution for our clients.</p> <p>By pooling our collective expertise, our Direct (Property & Casualty) team generates a greater level of insight and strategic thinking, becoming greater than the sum of its parts and providing clients with complete solutions that consider both short and long term objectives.</p> <p>As we grow our capabilities, all brokers benefit from the shared knowledge and experience of their colleagues, whether addressing issues that have previously occurred across other territories or facing brand new challenges.</p> <div class="card inline-media sr-reveal inline-media--video"> <div class="inline-media__video-container sr-reveal-video"> <div style="position: relative; display: block; max-width: 100%;"> <div style="padding-top: 56.25%;"> <video data-video-id="6362144611112" data-account="5728959027001" data-player="HJUdFfTmQ" data-embed="default" data-application-id class="video-js" controls style="position: absolute; top: 0px; right: 0px; bottom: 0px; left: 0px; width: 100%; height: 100%;"></video> <script src="//players.brightcove.net/5728959027001/HJUdFfTmQ_default/index.min.js"></script> </div> </div> </div> <div class="card-body"> <div class="card-title mb-0 font-weight-semibold font-mono">  Introduction to the Direct (Property & Casualty) team at WTW  </div> <p class="card-text font-p-small">  Direct and Facultative global line of business overview  </p> </div> </div> <h5 class="mb-4">Global Reach. Delivered Locally.</h5> <p>The <strong>right risk</strong> to the <strong>right market</strong> by the <strong>right broker</strong>, be it <strong>local</strong> or <strong>wholesale</strong> every time. </p> <p>Together, we work as one global team, providing access to markets and giving greater visibility over where our business is placed.</p> <p>Through simplified, streamlined processes and new developments in software solutions; our clients can rest assured that they will obtain the best deal available in the global marketplace.</p> <div class="bg-grey"> <div class="stat-module-container bg-grey my-4 p-4 d-block d-sm-flex d-nowrap d-sm-wrap">  <div class="stat__module col col-xs-12 col-sm-6 col-md-4 p-0 pr-sm-3"> <div class="stat__number"> <div class="text-color__wtw-digital-blue font-weight-bold display-1">400<span class="heading-2 pl-1">+</span></div> </div> <div class="stat__text"> <div class="heading-4 mb-0"> insurance markets can be accessed across 15 territories </div> </div> </div>   <div class="stat__module col col-xs-12 col-sm-6 col-md-4 p-0 pl-3"> <div class="stat__number"> <div class="text-color__wtw-digital-green font-weight-bold display-1">24<span class="heading-2 pl-1">hrs</span></div> </div> <div class="stat__text"> <div class="heading-4 mb-0">a day, our brokers are trading across 400+ markets</div> </div> </div>   <div class="stat__module col col-xs-12 col-sm-6 col-md-4 p-0 pl-sm-3"> <div class="stat__number"> <div class="text-color__wtw-digital-magenta font-weight-bold display-1">150<span class="heading-2 pl-1">+</span></div> </div> <div class="stat__text"> <div class="heading-4 mb-0"> colleagues in the Direct team </div> </div> </div>  </div> <p class="p-4">*Team stats as at 1 April 2024</p></div> <h3 id="what-we-do">What we do</h3> <p>We have evolved our approach to continue our commitment to deliver truly global broking across borders.</p> <p>This means even greater capacity, resource and expertise than is available elsewhere, all accessible locally for our clients.</p> <p><strong>Our core lines of business include</strong>:</p> <ul> <li>Property insurance</li> <li>Casualty insurance</li> <li>Environmental liability insurance</li> <li>Product recall insurance</li> <li>Reputational risk insurance</li> <li>Life sciences</li> <li>Healthcare</li> </ul> <h3 id="what-makes-us-different">What makes our service unique</h3> <p>We provide a service with traditional values, advice and relationships you can trust. </p> <p><strong>Our three main differentiators we pride ourselves on are:</strong></p> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-center"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid svg-responsive" alt="" src="https://media.wtwco.com/-/media/WTW/icons/collaboration.svg?modified=20240509123431&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Genuine collaboration</div> <p class="mb-0 pb-0 mt-xs-2">We work across teams and locations to provide you with optimal solutions and outcomes.</p> </div> </div> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-center"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid svg-responsive" alt="" src="https://media.wtwco.com/-/media/WTW/icons/targeted-analytics.svg?modified=20240509123536&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Targeted analytics optimising your spend</div> <p class="mb-0 pb-0 mt-xs-2">We have the ability to exploit and translate bulk data into the intelligence and insight you need to make the right decision.</p> </div> </div> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-center"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid svg-responsive" alt="" src="https://media.wtwco.com/-/media/WTW/icons/achievement.svg?modified=20240509123613&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Right deal</div> <p class="mb-0 pb-0 mt-xs-2">For the service we provide and the truly global market access, this enhanced offering allows us to continue working for our clients to get the best deal possible.</p> </div> </div> <h3 id="how-we-do-it">How we do it</h3> <p>One team. One hub. Our people work seamlessly across products and geographies to provide our clients with outstanding and enhanced levels of insight.</p> <p><strong>We pride ourselves for being</strong>:</p> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-center"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid svg-responsive" alt="" src="https://media.wtwco.com/-/media/WTW/icons/thoughts.svg?modified=20240509123652&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Personal and personable</div> <p class="mb-0 pb-0 mt-xs-2">We go above and beyond to get to know you and to ensure you enjoy working with us.</p> </div> </div> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-center"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid svg-responsive" alt="" src="https://media.wtwco.com/-/media/WTW/icons/proactive-tenacious.svg?modified=20240509123729&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Proactive and tenacious</div> <p class="mb-0 pb-0 mt-xs-2">Our teams have the culture and determination to deliver. We don’t stop until we have found the very best solution.</p> </div> </div> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-center"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid svg-responsive" alt="" src="https://media.wtwco.com/-/media/WTW/icons/diamond-blue.svg?modified=20240509123807&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Authentic</div> <p class="mb-0 pb-0 mt-xs-2">We provide a service with our traditional values, advice and relationships you can trust.</p> </div> </div> <h3 id="case-studies">Case Studies</h3> <br> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-center"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid svg-responsive" alt="Large trucking firm US auto liability" src="https://media.wtwco.com/-/media/WTW/icons/trucking-auto-liability.svg?modified=20240509123846&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Large trucking firm US auto liability</div> </div> </div> <p> </p><p><strong>Client business challenge</strong><br> Trucking firms in the US (as they are elsewhere in the world) are dependent on liability insurance to be able to take to the roads. Following changes in the marketplace a large trucking firm was struggling to secure US auto liability coverage, which was key to their continued operations.</p> <p><strong>What we delivered</strong><br>In a tough market we were able to generate new capacity for the insured. By working with the insured and the market we were able to provide a multi-year loss rated buffer layer.</p> <p><strong>The value to our client </strong><br>The client went from a position of potentially halting operations to having the security of a multi-year solution.</p> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-center"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid svg-responsive" alt="Major cement producer business interruption study" src="https://media.wtwco.com/-/media/WTW/icons/cement-producer.svg?modified=20240509123917&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Major cement producer business interruption study</div> </div> </div> <p><strong>Client business challenge</strong><br>A multinational cement producer challenged the value of business interruption coverage for their business. They were keen to rationalise the cover and limits they purchased for business interruption.</p> <p><strong>What we delivered</strong><br>Through analysing risk engineering reports, we were able to develop and quantify credible maximum foreseeable loss scenarios for the production sites. This enabled the insured to validate the purchase of business interruption coverage at both management and plant level.</p> <p><strong>The value to our client</strong><br>Through this process the client gained confidence that the limits and coverage accurately reflected their exposure. It also gave a clearer appreciation of the cover that would be provided in the event of a loss.</p> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-center"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid svg-responsive" alt="Electronics product recall" src="https://media.wtwco.com/-/media/WTW/icons/recall-products.svg?modified=20240509124002&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Electronics product recall</div> </div> </div> <p><strong>Client business challenge</strong><br>One of the world’s largest electronics manufacturers needed product recall for automotive batteries. This presented a perfect storm for our product recall team who were faced with a new technology going into vehicles. Unproven technologies make underwriting difficult and the use in high value per unit items such as vehicles makes the potential loss quantum huge.</p> <p><strong>What we delivered</strong><br>We worked with the insured to analyse their exposures and to create a report that addressed insurers concerns. This was then presented to the market and capacity sought in a structure that enabled to market not only respond but to respond in a cost-effective manner.</p> <p><strong>The value to our client</strong><br> The client achieved a policy limit of $100 million which is one of the largest limits in the market. Not only was significant capacity developed but this was delivered within budget.</p> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-center"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid svg-responsive" alt="Californian senior living property placement" src="https://media.wtwco.com/-/media/WTW/icons/light-house-uv.svg?modified=20240509124043&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Californian senior living property placement</div> </div> </div> <p><strong>Client business challenge</strong><br>A senior living client had been used to the challenges of buying earthquake insurance for its properties. However, when they suffered a significant wild fire loss, they found that their existing insurer was no longer able to continue to provide coverage.</p> <p><strong>What we delivered</strong><br>The insurance market has developed tools and data that enable earthquake insurance to be provided at a cost. The threat posed by wildfires is less well understood making underwriting more difficult. By using our in-house analytics, we were able to enhance the markets understanding of the risk posed by this portfolio of properties.</p> <p><strong>The value to our client</strong><br>As a result of this analytical work we were able to generate London market interest in the risk. This meant we were able to work with our US team to replace the lost capacity and to bring the pricing to a level that the client was happy with.</p> <h3 id="placing-new-and-emerging-risks">Placing new and emerging risks</h3> <p>We are at the forefront in helping clients seize opportunities from new technologies and industries while minimizing their risks and protecting their balance sheet.</p> <p>Recent placements include:</p> <ul class="unordered-list"> <li><strong>Green technology:</strong> Providing property protection for the first facility in the U.S. processing natural graphite, vital in the production of new battery technologies.</li> <li><strong>Sustainable mining:</strong> Arranging casualty cover for a next generation mine that uses automation and technology to minimise the impact on the environment.</li> <li><strong>Bio-energy:</strong> A property placement for the world’s third largest waste to energy site, protecting facilities needed to power the green transition.</li> <li><strong>Electric vehicle chargers:</strong> Product recall insurance for electric vehicle chargers, helping clients developing charging solutions for new transport solutions.</li> <li><strong>Clinical trials:</strong> Liability cover for vital clinical trials that helped to accelerate the development of new Covid vaccines during the pandemic.</li> <li><strong>Electric fleets:</strong> Casualty cover for a U.S. fleet of all electric buses, placed in the local market.</li> <li><strong>Artificial intelligence (AI):</strong> Financial loss and professional indemnity extensions to a general liability policy covering AI-driven measuring devices for a mining equipment manufacturer.</li> <li><strong>Reputation risk:</strong> A comprehensive reputational risk solution, including insurance, prevention, crisis response and brand rehabilitation, for a major US fast food chain.</li> <li><strong>Structured parametrics:</strong> A first of its kind structured parametric reinsurance solution enabling a forestry business to get cover for fire risks where traditional and regular parametric insurance were unavailable.</li> <li><strong>Ports and terminals:</strong> An innovative property program protecting a major container shipping company for damage at ports and container terminals with potential to be rolled out worldwide.</li> <li><strong>Aviation:</strong> A four-in-one program for an airline, including property damage and business interruption, casualty, marine cargo and fidelity guarantee.</li> <li><strong>Aid and development:</strong> A general liability program for the World Food Program covering its unique insurance needs in some of the most difficult parts of the world.</li> <li><strong>Sharing economy:</strong> A customized program designed to help safeguard transportation and micro-mobility businesses from liability risks within the sharing economy space.</li> <li><strong>Green buildings:</strong> Property placements that help clients rebuild in a greener way after a loss, with sub-limits providing an amount on top of the actual loss for sustainability improvements.</li> <li><strong>Supply chain:</strong> Helping companies cover the cost of port delays by adding demurrage and port blockage sub-limits to a property placement.</li> <li><strong>Political violence:</strong> Placements providing wraparound cover for political violence risks across a company’s portfolio as part of their property policy. </li> <li><strong>Property reinstatement:</strong> Enabling businesses to rebuild faster with ‘constructive total loss’ clauses that deem properties as totally lost when they cannot be saved without undue expenditure.</li> <li><strong>Metro and rail systems:</strong> Placing comprehensive all risk cover for metro systems worldwide, rolling stock operators and freight businesses, up to $750 million capacity with sublimits for collision and derailment.</li> <li><strong>Heavy truck fleets:</strong> Arranging a large buffer layer to fill a gap in auto liability for a fleet of heavy trucks that regular markets were unwilling to insure, enabling the company to renew its umbrella.</li> </ul> <p>The common theme with all these examples is we were able to work with our colleagues and clients to understand the exposures, allowing us to develop solutions that met the client’s needs.</p> <p>It is when we can work collaboratively in this way that we usually enjoy most success. The Direct (Property & Casualty) team has been designed to facilitate this way of working across the international marketplace.</p> <p><strong>For more information, please contact our specialists listed at the top of this page.</strong></p><h4>Disclaimer</h4> <p class="font-p-disclaimer">Willis Towers Watson hopes you found the general information provided in this publication informative and helpful. The information contained herein is not intended to constitute legal or other professional advice and should not be relied upon in lieu of consultation with your own legal advisors. In the event you would like more information regarding your insurance coverage, please do not hesitate to reach out to us. In Singapore, Willis Towers Watson offers insurance products through Willis Towers Watson Brokers (Singapore) Pte. Ltd., licensed Direct General Insurance Broker, General Reinsurance Broker, Life Reinsurance Broker, Lloyd’s Broker regulated by the Monetary Authority of Singapore.</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/paul-ward-485x485.jpg?modified=20240507174852&imgeng=meta_true&h=485&w=485&la=en-SG&hash=A670A3F3501FD8B88A0D5E209BE61361" aria-hidden="true" loading="lazy" alt="" class="people__person-image" /> <div class="media-body"> <div class="font-p-small font-weight-semibold">  Paul Ward  </div> <div class="font-p-small">Head of Property and Casualty, Asia</div> <div class="font-p-small people__contact-info"> <span class="people__contact-email"> <span class="material-symbols-outlined">email</span> <a href="mailto:Paul.Ward@wtwco.com" class="font-weight-bold" aria-label="Click to email Paul Ward" 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:+65 6958 2800" class="font-weight-bold" aria-label="Click to call Paul Ward" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="People Authors Bios"> +65 6958 2800 </a> </span> </div> </div> </div> <hr> </div> <blockquote class="quote sr-reveal"> <i class="heading-4 quote__icon"> <span class="heading-4 quote__icon" style="margin-top: 30px; margin-bottom: 0px; letter-spacing: -0.4px; color: #212529;">“</span> </i> <p class="heading-4"> Together we work as one global team, ensuring our clients have access to the best solutions available in the global marketplace.” </p> <cite class="font-mono-small font-weight-semibold"> Paul Ward <br> WTW </cite> <span class="quote__block"></span> </blockquote> <a href="https://www.wtwco.com/en-sg/insights/campaigns/global-marketplace-insights-q1-2024" data-cdlabel="Global Marketplace Insights Q1 2024" onclick="linkClick(this);" data-selabel="Featured Content Card - Right Rail" class="card related-content-card related-content-card--aside" data-cilabel="/sitecore/content/WTW/insights/campaigns/global-marketplace-insights-q1-2024" data-ewlabel="VIDEOS" data-etlabel="internal_link_click" ><div class="related-content-card__img-container"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/GettyImages-1442302281-1610.jpg?modified=20240306162512&imgeng=meta_true&la=en-SG&h=776&w=1242&mw=1242&hash=C47E4384017286B4570A2DB4DFD4885B" loading="lazy" class="card-img-top" role="presentation" alt="" /></div> <div class="card-body"> <div class="related-content-card__eyebrow"> VIDEOS </div> <div class="card-title heading-5"> Global Marketplace Insights Q1 2024 </div> </div> </a> <section class="related-content-aside"> <h2 class="heading-5">Related content</h2> <hr class="horizontal-rule--thick horizontal-rule--dark"> <div class="related-content-aside__item"> <p class="font-mono-small related-content-aside__eyebrow">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">Product</p> <a href="https://www.wtwco.com/en-sg/solutions/products/product-recall-insurance-for-consumer-goods" 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="Product recall insurance for consumer goods" data-cilabel="/sitecore/content/WTW/solutions/products/product-recall-insurance-for-consumer-goods" data-ctlabel="Product">Product recall insurance for consumer goods</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/forensic-accounting-and-complex-claims" 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="Forensic Accounting and Complex Claims" data-cilabel="/sitecore/content/WTW/solutions/services/forensic-accounting-and-complex-claims" data-ctlabel="Service">Forensic Accounting and Complex Claims</a> </div> </section> </aside> </div> </section> <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/property" title="Property Risk and Insurance Solutions" class="related-matrix-item-link" data-capability-id="9c6b7d81-7cf7-47b2-9b51-8e2c9d16e0a6" data-capability-code="Property Risk and Insurance Solutions" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Property Risk and Insurance Solutions" data-cilabel="/sitecore/content/WTW/solutions/property"> <div class="related-matrix-item"> <div class="related-matrix-item__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/GettyImages-912547822-1610.jpg?modified=20210311142252&imgeng=meta_true&la=en-SG&h=506&w=810&mw=810&hash=645362D2CCC37A83B229A0F8538E945D" 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"> Property Risk and Insurance Solutions </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/casualty" title="Casualty" class="related-matrix-item-link" data-capability-id="7f430ffc-4adc-4b13-a4ba-a4a69ac514a7" data-capability-code="Casualty" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Casualty" data-cilabel="/sitecore/content/WTW/solutions/casualty"> <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/Sitecore/GettyImages-1480174617-1610.jpg?modified=20231003091531&imgeng=meta_true&la=en-SG&h=506&w=810&mw=810&hash=DBD125FE6AD6013EAC405DB911693AF6" 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"> Casualty </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/environmental" title="Environmental Risks" class="related-matrix-item-link" data-capability-id="7394ab6c-3a37-4f77-afc3-8e1976d15d0a" data-capability-code="Environmental Risks" onclick="linkClick(this);" data-etlabel="cta_click" data-selabel="Content Matrix – Large" data-ewlabel="Solution" data-cdlabel="Environmental Risks" data-cilabel="/sitecore/content/WTW/solutions/environmental"> <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/Sitecore/GettyImages-1309671698-1610.jpg?modified=20231114093501&imgeng=meta_true&la=en-SG&h=506&w=810&mw=810&hash=77F6B44135DB28A51395584430161CFB" 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 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