Willis Towers Watson Public Limited Company operates as an advisory, broking, and solutions company worldwide. The company operates through two segments: Health, Wealth & Career and Risk & Broking. It offers strategy and design consulting, plan management service and support, broking and administration services for health, wellbeing, and other group benefit programs, including medical, dental, disability, life, voluntary benefits, and …
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Competitive advantage assessment
Key strengths
Superior Returns on FloatFloat investment returns are strong (signal score 0.85), with ROA at 5.61% vs peers — investment income amplifies underwriting profit.
Strong Premium Pricing MarginsPremium margin signal is strong (score 0.74), with operating margin at 23.0% vs peers — indicating pricing authority.
The dashed ring is the peer median. Defense scores are percentile ranks
against peers, so 50 is roughly the typical company in this group.
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Willis Towers Watson Public Lim ranks #8 of 21
scored companies in Insurance Brokers by moat score — the top 38%.
The widest moat in the group is Brown & Brown, Inc. (BRO)
at 82/100.
Moat scores for companies ranked near WTW in Insurance Brokers
How WTW scores on the Insurance & Reinsurance defenses
Underwriting Discipline
Score 61
· 25% of the moat score
Underwriting discipline is the core insurance moat, and it consists mostly of the willingness to lose business.
Float Investment Quality
Score 68
· 20% of the moat score
Float is the money an insurer holds between collecting premiums and paying claims — capital it invests but does not own.
Pricing Power
Score 66
· 18% of the moat score
For an insurer, pricing power is the ability to push rate ahead of claims inflation and keep the policyholders anyway.
Capital Strength & Solvency
Score 66
· 17% of the moat score
Capital is what lets an insurer credibly promise to pay a claim that has not happened yet, and it is scrutinised by regulators and rating agencies alike.
Operational Efficiency
Score 60
· 12% of the moat score
The expense ratio — what it costs to acquire and administer a policy — is the half of the combined ratio management fully controls.
Scale & Diversification
Score 85
· 8% of the moat score
Diversification is a real economic advantage in insurance rather than a portfolio preference: risks spread across perils, geographies and lines are less likely to arrive at once, so the same capital supports more premium.
What is Willis Towers Watson Public Lim's moat score?
Willis Towers Watson Public Lim (WTW) scores 66 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #8 of 21 scored companies in Insurance Brokers, the top 38%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 20 companies in Insurance Brokers. Its strongest defense is Scale & Diversification (85/100) and its weakest is Operational Efficiency (60/100).
How does Willis Towers Watson Public Lim compare with other Insurance Brokers companies?
Willis Towers Watson Public Lim ranks #8 of 21 scored companies in Insurance Brokers by moat score. The widest moat in Insurance Brokers is Brown & Brown, Inc. (BRO) at 82/100. The companies ranked closest are TWFG, Inc. (TWFG) at 67 just above it and Crawford & Company (CRD-A) at 62 just below it.
How is the moat score calculated?
Each company is scored with an industry-specific template — Insurance & Reinsurance in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 20 companies in Insurance Brokers. The defenses are then weighted to produce the overall score out of 100.
Why is Willis Towers Watson Public Lim scored with the Insurance & Reinsurance template?
An insurer is paid before it knows what its product cost, and invests the money in the meantime. Profit therefore comes from two sources that must both work: pricing risk better than rivals, and earning a return on the float those premiums create. The Insurance template scores that pair, along with the capital that lets a company survive the year in which the losses arrive together.
Which competitive defenses are measured for Willis Towers Watson Public Lim?
The Insurance & Reinsurance template measures 6 defenses, and WTW scores: Underwriting Discipline (61), Float Investment Quality (68), Pricing Power (66), Capital Strength & Solvency (66), Operational Efficiency (60), Scale & Diversification (85). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
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