What does liabilities recorded on self-insurance mean?

The estimated liability recorded on the balance sheet for claims and losses that the company has chosen to self-insure rather than transfer to a third-party insurer. This reflects the company's internal provision for potential costs such as workers' compensation or professional liability. It is a measure of the company's retained risk profile.

Arthur J. Gallagher AJG Liabilities recorded on self-insurance

Liabilities recorded on self-insurance at other companies

LPL Financial HoldingsLPLA

$106.39M+27.0%

ARD

Ardent Health PartnersARDT

$255.99M+13.0%

Hyster-Yale Materials Handling, Inc.HY

$43.8M+7.9%

BGC Group, Inc.BGC

$4.1M+5.1%

Virco Manufacturing CorporationVIRC

$1.4M+7.7%

Warrior Met CoalHCC

$34.38M-0.4%

Other financials

Income statement

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Revenue$4.8B+27.7%

Gross profit$2.0B+16.3%

Net income$822.0M+16.8%

EPS (diluted)$3.16+16.2%

Balance sheet

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Cash & equivalents$1.4B-91.5%

Total debt$14.0B+5.7%

Total equity$23.8B+6.5%

Total assets$78.3B+5.7%

Cash flow

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Operating cash flow$957.0M+9.7%

CapEx$36.0M+28.6%

Free cash flow$921.0M+9.1%

Valuation

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Market cap$58.99B-20.4%

Enterprise value$71.59B-4.6%

P/E36.6×-8.6×

P/S3.9×-2.0×

Profitability

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Gross margin99.7%+14.0pp

Net margin10.8%-2.2pp

FCF margin21%-0.1pp

Returns & leverage

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Return on equity7%-2.3pp

Debt / equity0.6×0.0×

Current ratio1.1×-0.4×

Where this comes from

Reported directly by Arthur J. Gallagher in its filing.

Tagged under the XBRL concept ajg:LiabilitiesRecordedOnSelfInsurance.

The official record: Arthur J. Gallagher’s 10-K, filed February 17, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Arthur J. Gallagher's liabilities recorded on self-insurance?: Arthur J. Gallagher (AJG) reported liabilities recorded on self-insurance of $11M in Q4 2025.
What does liabilities recorded on self-insurance mean?: The estimated liability recorded on the balance sheet for claims and losses that the company has chosen to self-insure rather than transfer to a third-party insurer. This reflects the company's internal provision for potential costs such as workers' compensation or professional liability. It is a measure of the company's retained risk profile.