By taking a comprehensive approach to evaluating a company's entire risk management program and costs, brokers like Gallagher can help minimize a client's total cost of risk through their CORE360 model. CORE360 considers the six main cost drivers of a risk management program, including coverage gaps, insurance premiums, losses within deductibles, contractual liability, uninsurable losses, and program structure. Using its global network of experts, data analytics, proprietary programs, tools and technology, and world-class service, Gallagher aims to provide actionable advice to help clients develop the most cost-effective risk management program.