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In the face of ongoing pressure on budgets, public sector organisations need innovative strategies that help lower the total cost of risk and support frontline service improvements.

Analytics, risk management, and local teams enable us to help you develop fit-for-purpose risk financing strategies

The public sector faces considerable challenges. Local and central government, government agencies, emergency services, and social housing providers need to control costs, build resilience into service delivery, and shape strong and vibrant communities. Effective management of risk plays a key role in meeting these challenges. That’s where Marsh can help.

For example, by the innovative use of data analytics and actuarial modelling, Marsh can challenge your current risk financing strategy and drive value for money through your procurement of insurance protection.  Our experts will spend time understanding your needs and align your risk financing strategy with your corporate objectives.  We will also drive efficiency through the procurement of insurance protection and will only recommend you pass your risk to the market once that risk has clearly been defined and rationalised with you. Our risk management and claims expertise support this more focused approach and can help you remove costs from your operations and improve resilience.

Much can be achieved with focus, determination, and original thinking. Our risk management, claims, and analytics experts support you as required. Day-to-day technical support and insurance programme management is provided by specialist client advisers who work closely together to ensure experience is shared between team members.

The result of Marsh’s public sector expertise: comprehensive, innovative risk management and risk transfer solutions that can help you achieve value for money while lowering your total cost of risk.

Tenanted Real Estate

Social housing landlords are faced with a changing risk landscape. A desire to diversify into areas associated with the provision of affordable housing such as domiciliary care, leisure facilities, and a range of professional services requires a fresh look at the way you manage your risk. Your existing risk strategies may have been in place for several years and may not satisfactorily protect your developing organisation. Changing funding streams have resulted in capital markets becoming more interested in the management of risk in your organisation and the need to control costs is more important than ever.

Armed with an understanding of your unique risk landscape, Marsh has unlocked access to new insurers and increased insurance market capacity to provide you with additional risk transfer options that can result in lower cost and better protection based on the risks faced by the sector now – and not 10 years ago.

We can also help you support social inclusion through the provision of affordable insurance schemes, which enable your tenants to protect their household contents. Working closely with financial inclusion groups enables us to understand the difficulties facing some tenants and has enabled us to tailor our service and insurance provision to provide a product for those who may otherwise be financially excluded.


Data analytics can help you meet your obligation to use funds from the public purse prudently. It gives you new ways to quantify your tolerance and appetite for risk, develop accurate loss profiles, model alternative insurance structures, and quantify the right level of insurance cover for your organisation. It uses your risk data to support fact-based decision-making and helps you ensure your insurance programme delivers best value.

Marsh Analytics can help you explore these risk-financing options and determine your optimal risk-financing structure. Our mobile Marsh Analytics Platform (MAP) combines a forward look at risk with a customised financial view to analyse and measure both insurable and non-insurable risks.

Public Sector Organization

Public-sector organisations are under increasing pressure to demonstrate value for money in their budgets. One area with the potential for cost savings is self-insurance – that is, retaining more of your risk and taking larger deductibles on your insurance policies. Doing so means the insurance you purchase protects against the less frequent, higher-value losses, which are more likely to cause significant harm to your organisation.

Marsh has significant experience of helping public entities better understand the funding requirements emanating from self-insurance. We help you budget prudently to ensure you have adequate funding to meet the cost of self-insured claims. Our work may also discover that you are over-reserving, providing an opportunity to release some funds to support front-line service delivery.

Local Authorities

Many local authorities continue to support their schools and offer guidance on the provision of insurance protection for the cost of managing staff absence within the education sector. Marsh’s independent, consultative offering allows you to stress test your arrangements and identify whether they remain fit for purpose and value for money for the end user.

We help your organisation to better understand the commercial offering and the benefit your school can derive from these arrangements. Conversely, where appropriate, we can illustrate through demonstrable results how a bespoke, in-house scheme can be developed to offer significant monetary savings and cost-effective protection tailored to your school’s needs.

The services we provide range from the procurement of scheme arrangements with the commercial market to the running of self-funded schemes managed and administered by the authority.

Our services include consultative reviews, benchmarking, scheme design, and tendering services.


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