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2018 Terrill Outreach Expo

April 11, 2018


Check out the video from our 2018 Terrill Outreach Expo! Thank you to all the organizations that participated and made the expo a success!

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Missouri State’s Gamma Iota Sigma Field Trip

April 10, 2018


On March 29th, J.W. Terrill, in conjunction with the Marsh and CNA’s St. Louis office, hosted 13 students from Missouri State’s Gamma Iota Sigma (GIS) insurance fraternity. Gamma Iota Sigma’s club purpose is to promote, encourage and sustain student interest in the insurance, risk management and actuarial science as professions. Of the 13 students who we hosted that day, all are either Risk Management and Insurance majors or minors actively looking to pursue careers in the insurance industry.

A special thanks to everyone who contributed to the day. Many students mentioned how much they enjoyed the day and that they are now interested in looking further into a career at Terrill!

Next up, summer interns come to work Tuesday May 29th!

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2017 J.W. Terrill Outreach Giving

February 6, 2018


2017 was another amazing year of giving at J.W. Terrill! Through Terrill Outreach, our generous employees donated over $60,000 to different organizations in the St. Louis community – a 62% increase from 2016. Thank you J.W. Terrill employees!

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2016 J.W. Terrill Outreach Giving

January 5, 2017


2016 was a fantastic year of giving by J.W. Terrill employees. Through Terrill Outreach, our generous employees contributed their time, talent, and money, and touched countless lives in the St. Louis community. We thank them for their encouraging kindness!



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What Companies Can Do to Increase Cyber Resilience

January 2, 2017


As cyberattacks intensify, companies need to prepare for the inevitable, according to Marsh & McLennan’s Executive Vice President and General Counsel Peter Beshar in a recent interview with The Wall Street Journal.

In the interview, Peter discusses how businesses are now facing digital threats that affect the physical world — industrial control systems, power systems, transportation networks and even the financial system — and the ways they can address them, including the sharing of best practices. Full text of the interview below.

How Companies Need to Address Cybersecurity Risks in 2017
From The Wall Street Journal, December 19, 2016
By Ben DiPietro

Peter Beshar, executive vice president and general counsel of Marsh & McLennan Companies, a global professional services firm that includes Marsh, an insurance brokerage and risk advisor, speaks about the current state of cyberthreats, what companies should be doing to protect themselves and the potential impact the Trump administration will have on cybersecurity.

How would you describe the state of cybersecurity risk?

Mr. Beshar: It’s a rapidly intensifying threat environment, markedly worse than a year ago, and it will likely be markedly worse a year from now. We’ve moved from a focus on credit card theft…to the world we’re in now, where the attacks are moving from the digital world into the physical world–kinetic attacks as people in the industry refer to them. Threats against critical infrastructure, industrial control systems that operate infrastructure, the dam attack in Rye, N.Y., chemical plants, nuclear facilities, transportation networks, the aviation industry, telecommunications networks, the financial system. That’s the way the threat has morphed and why some military officials say cyberattacks now pose potentially the greatest threat to national and economic security, even approaching nuclear weapons.

What should companies be doing to assess their risks?

Mr. Beshar: We are engaged in a race without a finish line, in which our adversaries are repeatedly changing their methods of attacks. For corporations, the objective is resilience, to be able to have a cyberattack occur and still be able to maintain the relatively smooth running of core operations. It is not credible to avoid any breach whatsoever at any time. Cyber resilience is the goal that all of us should be striving toward.

A good first step is to conduct a benchmarking exercise or assessment of your own cyberdefenses against some sort of industry benchmark. Just be credible and faithful in trying to say, if the industry standard is here then I am here at this point. Then, what are the most logical steps you should be taking? One of the best responses is to enhance password protection, something like multifactor authentication. Training is important, trying to communicate how easy it is to be lured into clicking an improper attachment, whether through social media or email. What are your protocols for patching known vulnerabilities? You also should have a serious incident response plan, operating on the premise you will be breached. What would you do? Who would be notified? At what point might you choose to disclose it? Under what circumstances would you reach out to law enforcement?

Is there a point of diminishing returns for companies where they decide it’s not worth having a digitally based business?

Mr. Beshar: You need to recognize the incredible benefits, the boon to productivity, the ability to execute so much more quickly on transactions—all of the work that has arisen as a result of this tremendous degree of connectivity. If you savor and enjoy all the benefits that come with that, you have to understand there will be a downside. The idea of disengaging from the digital world is artificial and not something we can credibly do and maintain the degrees of productivity. Perhaps there are certain pieces of data that may not automatically be connected to everything else, but in general this is a process where tremendous benefits have arisen.

How will the Donald Trump administration affect the way companies approach cybersecurity?

Mr. Beshar: President Obama’s cybersecurity commission issued its report and traced out a number of proposals. [Internet of Things], for instance, the recommendation is IoT security need not solely rely on the end user, that is not the only person who has the responsibility to change the default password. Manufacturers and developers have an obligation to try to embed sounder security into these systems so they don’t have IoT become a new frontier of attack. That could lead to new requirements being imposed.

A Trump administration is less likely to regulate, though, so companies should try to develop best practices and reach out to the tech industry to find ways to convert best practices into common practices. We believe the power of the cyberinsurance underwriting process creates a number of economic incentives that have the potential to drive behavioral change in the marketplace. When a company embarks on the underwriting process, the first thing the broker or underwriter will do is ask what the current risk profile is like. That prompts the company to go through some sort of analysis and a candid assessment of its strengths and vulnerabilities.

Is the insurance industry keeping pace with coverage that meets companies’ evolving needs?

Mr. Beshar: We are heartened that a number of government institutions have identified the power of what cyberinsurance can do to encourage best practices and behavioral changes. Partly from those comments, but also from a focus on board members placing significance on cybersecurity, the cyberinsurance market is increasing significantly. The expectation is the volume of premiums in the standalone cyberinsurance industry will grow from $2.5 billion in 2015 to $14 billion by 2022.

The amount of coverage for many companies was a question of $20 million, perhaps $50 million, to cover the costs of credit monitoring and notification. But as the threat morphs from data to critical infrastructure, the sums and potential damages are growing. Marsh is now seeing companies buying $300 million, $400 million, $500 million of coverage. So the question is, what is the right way to assess a company’s cyber resilience for the underwriting community? Underwriters are experimenting with different tools, different price tags. The expectation is, as the threat continues to intensify the cyberinsurance market will continue to grow significantly.

It doesn’t seem as though any amount of new technology or money can stop cyberattacks, what else can companies do?

Mr. Beshar: There is no point a year from now, two years from now, where we declare victory and say the job is completed. This is going to be a dynamic back and forth, with new vectors of attack identified, potentially against new targets. We will be grappling with this issue for the rest of our careers.

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Marsh & McLennan Named #1 Military Friendly Employer in the U.S.

December 14, 2016



At Marsh & McLennan, we’re proud of our culture of innovation, collaboration and working for the greater good. Veterans share these qualities, which is why we’re committed to hiring and supporting them.

And now, our efforts have been recognized by one of the top rankings of veteran employers. We’ve been named the #1 overall Military Friendly® employer by Victory Media, which champions positive employment outcomes for veterans and their families. The ranking, a data-driven survey of leading US companies, reflects our commitment to the military community and our veteran colleagues, as well as the constant improvement of our Veteran Talent Initiative (VTI).

Our VTI connects qualified veterans with career opportunities across our operating companies and MMC. One unique new aspect of our veteran hiring program is the “Silver Medalist” initiative, in which we identify talented military veterans who have not received a job offer after their first round of interviews with us, and help them hone their interviewing skills and “redeploy” them to apply for other open positions across the firm.

“Marsh & McLennan Companies is pleased to be recognized as the number one Military Friendly® Employer,” said Dan Glaser, our President and CEO. “Veterans have served our country with distinction, and we are proud to provide them with meaningful opportunities to contribute to our firm. And with every hire, my conviction grows stronger that it is not only the right thing to do, but it is also the best thing to do — for our company, our clients and our colleagues.”

On December 7, the ranking was officially awarded by Chris Hale, CEO of Victory Media, to Dan, the executive sponsors of the VTI, Mercer’s President and CEO Julio A. Portalatin, Marsh & McLennan’s EVP and General Counsel Peter Beshar and Marsh & McLennan’s Chief Human Resources Officer Laurie Ledford.

“We’re honoring Marsh & McLennan because you recognize that veterans are better for their service and are giving them a hand up — not a hand out — to build careers in the corporate world,” said Chris.

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J.W. Terrill’s Generous Employees (Infographic)

January 7, 2016



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Benefits administration and ACA recordkeeping concerns? We have your solution!

October 5, 2015


Have you been struggling to find a solution to simplify and streamline Benefits Administration? Are you trying to find a way to manage recordkeeping and reporting associated with the Affordable Care Act (ACA) Requirements?

At J.W. Terrill we have the solution! It’s called benefitsLIVE, a turnkey system for online enrollment, education, administration and more.

J.W. Terrill understands that your company is unique, and that an “off the shelf” product will not offer a complete and customized solution for managing your Employee Benefits Program. benefitsLIVE streamlines and automates the enrollment and eligibility tracking process, provides constant connection between you and your participants and provides them with assistance to efficiently manage their benefit program. The benefitsLIVE smart technology provides an informational platform that empowers both HR and employees to become educated benefit consumers. Some features and functions of benefitsLIVE include:

  • A flexible employee contribution model supports a defined contribution, defined benefit, or combination approach
  • Employee self-service enrollment
  • Interactive storyboards, custom videos and an avatar educate and guide your participants to smarter, more informed benefit decisions
  • Auto notification tools that eliminate manual reminders of eligibility and enrollment windows
  • Complete data collection and tracking for employee, spouse, dependents, and beneficiaries
  • Easy to use data and tracking reports including premium reconciliation and self-bill reports which increase the accuracy and reduce the time it takes to verify carrier bills
  • Integrated data feeds to insurance carriers, payroll systems, and HRIS systems eliminate duplicate processes
  • HR employee management utility dashboard
  • Employee communications portal for company news, calendar of events, and important updates
  • Plan and policies section that stores plan documents, benefit summaries, and other important benefit information

Beginning in early 2016, employers will be required to provide reporting on 2015 benefit year plans. It’s imperative to have an eligibility management tool in place now, a system that will provide compliance to ACA 1094 and 1095 requirements. With the addition of Gatekeeper, employers will be relieved of the manual tasks associated with communicating, tracking and reporting responsibilities required by the Affordable Care Act. Available with benefitsLIVE or implemented as a standalone tool working with your existing payroll/time and attendance/HRIS system, Gatekeeper takes the worry out of Measurement, Stability and Administrative Periods as well as Affordability Testing. The advanced HR Portal automates compliance reporting and allows employers to pull reports at any time with only a few clicks on the keyboard.

Contact your J.W. Terrill consultant to schedule a benefitsLIVE and/or Gatekeeper system demonstration to learn more about implementing a customized solution for the unique needs of your Employee Benefit Program.

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J.W. Terrill joins Marsh & McLennan Agency

July 22, 2015


As of July 1st, J.W. Terrill has joined Marsh & McLennan Agency LLC (MMA), a subsidiary of Marsh, the world’s leading global insurance broker and risk management advisor. We’re thrilled about the opportunities this combination of great companies will bring to our valued clients.

The trusted professionals you work with, the J.W. Terrill employees, are staying right here. You will have the same dedicated service team, so you can expect the personal attention and service that you’ve come to know and trust. Contact information will remain the same. As J.W. Terrill is now part of MMA, you gain access to an extensive array of capabilities and resources, offering an even broader platform to meet your needs.

For over 43 years J.W. Terrill has worked hard to provide you with the information you need to make informed decisions about how to most effectively address your exposures to loss. This commitment to our clients to deliver the best risk protection guidance will not change. Joining MMA will only enhance our ability to do so.

Please don’t hesitate to contact us if you have any questions or any issues we can address.


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J.W. Terrill Recognized By American Heart Association

December 30, 2014


Gold Level Fit-Friendly Worksite

In December, J.W. Terrill was recognized as a Gold Level Recipient of the American Heart Association’s Fit-Friendly Worksites Recognition program.

The Fit-Friendly Worksites program is a catalyst for positive change. Worksites throughout the nation can be part of the initiative by making the health and wellness of their employees a priority. J.W. Terrill was recognized as a Gold Level Fit-Friendly Worksite by the American Heart Association’s My Heart. My Life. initiative for:

  • Offering employees physical activity support.
  • Providing/increasing healthy eating options at the worksite.
  • Promoting a wellness culture.
  • Implementing at least nine criteria as outlined by the American Heart Association in the areas of physical activity, nutrition and culture.

“We are extremely honored and excited to be recognized by the American Heart Association’s My Heart. My Life. initiative as a Gold Level Fit-Friendly Worksite. Physical activity and employee wellness are very important priorities here at J.W. Terrill and we encourage all of our employees to engage in healthy activities.”


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Cast your vote to help Wellness Coordinator Diane Andrea take the top spot!

October 2, 2014


vote for dianeClick Here-Vote Now!
You can vote as many times as you like, up to once per hour. Voting ends on October 24th.

J.W. Terrill Wellness Consultant Diane Andrea has been nominated for The Wellness Council of America (WELCOA) Top Health Promotion Professional award!

Diane is a registered and licensed dietitian with over 20 years of experience. Since 2009 she has helped over 100 of J.W. Terrill’s corporate clients develop wellness programs for the benefit of their employees.

If you are one of Diane’s clients, you appreciate the energy and enthusiasm she brings to your wellness initiatives. To show your support you can help Diane take the top position by casting your vote. There’s nothing to fill out-just click on the link above, and give her 5 stars. That’s it! Two clicks and you’re done.

About the Wellness Council of America (WELCOA)
The Wellness Council of America (WELCOA) was established as a national not-for-profit organization in the mid 1980’s through the efforts of a number of forward-thinking business and health leaders. Today, WELCOA has become one of the most respected resources for workplace wellness in America. With a membership in excess of 3,200 organizations, WELCOA is dedicated to improving the health and well-being of all working Americans. Located in America’s heartland, WELCOA makes its national headquarters in one of America’s healthiest business communities Omaha, Nebraska.

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J.W. Terrill Supports Reinvest North County Fund

August 18, 2014


In honor of the people who live, work and go to school in the city of Ferguson and surrounding communities, J.W. Terrill has made a donation to the Reinvest North County Fund, organized by The St. Louis Regional Business Council (RBC) to support small business owners and school children who were impacted by the recent tragedy in the city of Ferguson and surrounding communities.

The purpose of the Reinvest North County Fund is twofold: first to provide immediate relief to small business which have been hurt by this tragedy and second, to provide the school districts with appropriate resources to show their children how important school is, particularly in times of distress.

Further donations are encouraged to support this effort; checks can be made payable to the Reinvest North County Fund at the 501(c)3 non-profit North County Regional Development Association (NCI), 350B Village Square Drive, Hazelwood, MO 63042.

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