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Arthur J. Gallagher & Co., along with its affiliated entities, provides a comprehensive suite of services including insurance brokerage, consulting, and the handling of third-party claims and administrative duties. Its operations extend globally, serving clients across the United States, Australia, Bermuda, Canada, the Caribbean, New Zealand, India, and the United Kingdom. The company is organized into two primary segments: Brokerage and Risk Management. The Brokerage segment encompasses both retail and wholesale insurance activities. It assists independent and non-affiliated brokers in securing coverage for specialized or hard-to-place risks. This division also acts as a key distributor for niche insurance products, operating as a brokerage wholesaler, managing general agent, and managing general underwriter. Its functions include marketing, underwriting policies, collecting premiums, appointing and supervising agents, managing claim payouts, and negotiating reinsurance agreements. Furthermore, it offers brokerage and advisory services to a diverse clientele, including commercial enterprises, non-profit organizations, public sector bodies, and individuals, focusing on insurance procurement, loss prevention, and the administration of employer-sponsored benefit programs. The Risk Management segment delivers outsourced contract claim settlement and administration services to various businesses and government entities. This segment's offerings also include general claims management, consulting on loss control strategies, and appraisals of insured property. Arthur J. Gallagher & Co. delivers its services through an extensive network of partner insurance brokers and consultants. Its client base spans commercial, industrial, governmental, religious, and charitable organizations. The company was founded in 1927 and maintains its headquarters in Rolling Meadows, Illinois.