Maximizing subrogation recoveries and delivering superior outcomes

Subrogation can be a complex and resource-intensive process, but with the right expertise and tools, it can significantly enhance recovery outcomes.

At Gallagher Bassett (GB), we understand that every dollar recovered through subrogation directly impacts your bottom line. As a global leader in claims management and risk mitigation, GB offers unparalleled expertise in subrogation services, helping businesses recover costs from third parties responsible for losses.

Whether it's loss of use or property damage, our dedicated subrogation team combines industry knowledge, advanced analytics, and a proactive approach to ensure maximum recovery.

Maximized recoveries

Our comprehensive subrogation approach uncovers every viable recovery opportunity, driving stronger financial outcomes and maximizing returns from liable third parties.

Reduced costs

Our focused subrogation approach converts recovery opportunities into measurable savings, helping reduce net claim costs and improve overall program performance.

Streamlined process

Our integrated workflows and technology-enabled processes remove complexity from subrogation, accelerating recoveries and helping reduce clients' total cost of risk.

Expert team

Our multidisciplinary team combines subrogation, legal, and industry knowledge to navigate complex claims and drive successful recovery outcomes.

Loss of Use

We specialize in identifying and quantifying the financial impact of loss of use claims, with a deep understanding of how to calculate damages, including rental costs, downtime, and other associated expenses. Our Centralized Subrogation Unit works to recover these costs from liable third parties, helping to ensure clients are compensated for their losses.

Industry-Specific Knowledge

We customize our subrogation strategies to meet the unique needs of specific industries where loss of use and business interruption claims are prevalent including:

  • Construction
  • Transportation
  • Manufacturing
  • Retail

This approach enables us to tackle the distinct challenges our clients face and optimize their recovery outcomes.

Centralized subrogation unit

Our GB centralized subrogation unit employs Resolutions Managers (RMs) with a high concentration of subrogation handling expertise, supported by best practices and tools and managed effectively in collaboration with clients. Additionally, our tailored four-level triage system ensures every possible subrogation opportunity is identified.

Benefits of the centralized subrogation unit approach:

  • We have over 70 experienced RMs with ten years of subrogation experience on average and over 20 years of general claim experience.
  • Experience in all subject matter lines allows for effective recognition of all possible opportunities.
  • A dedicated focus on subrogation enhances recovery efforts, saves RMs time, and supports effective inventory management.
  • Robust processes drive timely actions, enable clear documentation, and allow for active communication.
  • Our custom tools are built to manage the lifecycle of a subrogation file independent of the claim handling process.
  • Effective triaging and predictive modeling identify potential opportunities, driving improved outcomes.
  • We utilize an internal dashboard to monitor key performance metrics, offering real-time visibility into daily subrogation activities.
  • We consistently maintain an updated estimate of the anticipated recovery amount and the expected recovery date.
  • A tiered approach to authority provides autonomy for the RMs while ensuring oversight on higher dollar recoveries.

Turning a liability denial into a $25,000 recovery

Discover how strategic subrogation investigation and evidence-led arbitration helped overturn an initial liability denial following an emergency vehicle collision.

Connect with subrogation team


Dawn Griffin

Dawn Griffin

SVP — Carrier Business Solutions
Todd Gancarz

Todd Gancarz

Senior Vice President

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