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2,477,667 paragraphs from 10-Ks, 10-Qs and 8-Ks with press releases.
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• our ability to comply with complex and evolving regulations related to data privacy, cybersecurity and artificial intelligence;
Read in the filing ↗ Also in 10-Q of Oct 30, 2025, 10-Q of Apr 30, 2026, 10-Q of Jul 30, 2026, 10-Q of Oct 29, 2026
• our ability to effectively apply artificial intelligence and other technology, data and analytics solutions, including through the use of artificial intelligence, for internal operations, maintaining industry standards, meeting client preferences and gaining competitive advantage, among other things;
Read in the filing ↗ Also in 10-Q of Jul 30, 2026, 10-Q of Oct 29, 2026
• the effect of competitive products (including those incorporating artificial intelligence) and pricing, including the level of success of new product developments and related global expansion;
Read in the filing ↗ Also in 10-Q of Oct 29, 2026
• our ability to effectively apply technology, data and analytics solutions, including through the use of artificial intelligence, for internal operations, maintaining industry standards, meeting client preferences and gaining competitive advantage, among other things;
Read in the filing ↗ Also in 10-Q of Oct 30, 2025
Our artificial intelligence (‘AI’) acceleration plan (the ‘Plan’), or other activities we may from time to time undertake that impact our workforce, technology or processes could have adverse effects on the Company and may not achieve the intended benefits.
Read in the filing ↗ Also in 10-Q of Oct 29, 2026
Also see Note 20 - Subsequent Event within Part I, Item 1 ‘Financial Statements,’ and Part II, Item 1A, Risk Factors - ‘Our artificial intelligence (‘AI’) acceleration plan (the ‘Plan’), or other activities we may from time to time undertake that impact our workforce, technology or processes could have adverse effects on the Company and may not achieve the intended benefits,’ within this Quarterly Report on Form 10-Q.
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Concurrent with its second quarter results, WTW announced Propel to embed artificial intelligence and automation across the enterprise, expected to be completed by the end of 2028. Supported by the Company's ongoing investments in AI, data and technology, including the acquisition of Newfront, Propel is expected to enhance client service and create additional opportunities for growth as well as streamline core operating processes. WTW expects these efforts to accelerate performance and enhance efficiency, reinforcing WTW's strengths.
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The Company will host a conference call to discuss the financial results for the first quarter 2026, including an update on strategic priorities and artificial intelligence initiatives. It will be held on Thursday, April 30, 2026, beginning at 9:00 a.m. Eastern Time. A live, listen-only webcast of the conference call will be available on WTW’s . Analysts and institutional investors may participate in the conference call’s question-and-answer session by registering in advance . An online replay will be available at shortly after the call concludes.
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On July 28, 2026, the Board of Directors of WTW approved and authorized management to execute Propel, an Artificial Intelligence ('AI') Acceleration Plan. Propel will extend through December 31, 2028 and embed AI and automation across the Company. Supported by WTW's ongoing investments in AI, data and technology, including the acquisition of Newfront, Propel is expected to enhance client service, create additional opportunities for growth and strengthen the colleague experience, as well as streamline core operating processes. WTW expects these efforts to accelerate performance and enhance efficiency, reinforcing WTW's strategic objectives.
Read in the filing ↗ Also in 10-Q of Oct 29, 2026
WTW’s board of directors has delegated the oversight of cybersecurity risks to the Risk and Operational Oversight Committee (the ‘Risk Committee’). The Risk Committee assists the board of directors in its oversight of the ERM framework, policies, and practices used by WTW to identify, assess, and manage WTW’s key operational risks, including without limitation: cybersecurity, technology, information security, privacy, and artificial intelligence risk. WTW’s Chief Information Security Officer (‘CISO’) and Global Head of Technology report to the Risk Committee on cybersecurity matters, including key risks. The Risk Committee reports to the board of directors at each formal board meeting and the board of directors discusses those reports.
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The markets for our advisory, technology and solutions, and marketplace services are affected by economic, regulatory and legislative changes, technological developments, and increased competition from established and new competitors. We believe that the primary factors in selecting a company with expertise in human resources or risk management include reputation, the ability to provide measurable increases to shareholder value and return on investment, global scale, quality of service and the ability to tailor services to clients’ unique needs. In that regard, we are focused on developing and implementing technology, data and analytic solutions, including evolving technology and artificial intelligence (‘AI’) solutions, for both internal operations and for maintaining industry standards and meeting client preferences (see the discussion of our artificial intelligence acceleration plan under ‘AI Acceleration Plan’ below and in Note 6 - AI Acceleration Plan within Part I, Item 1 ‘Financial Statements,’). We have made such investments from time to time and may decide, based on perceived business needs, to make investments in the future that may be different from past practice or our current expectations.
Read in the filing ↗ Also in 10-Q of Jul 30, 2026
Note 6 - AI Acceleration Plan On July 28, 2026, the Board of Directors of WTW approved and authorized management to execute Propel, an artificial intelligence (‘AI’) acceleration plan (the ‘Plan’). The Plan will extend through December 31, 2028, and embed AI and automation across the enterprise. Supported by the Company's ongoing investments in AI, data and technology, including the acquisition of Newfront, the Plan is expected to enhance client service and create additional opportunities for growth as well as streamline core operating processes. The Company expects to generate approximately $400 million in annual cost savings and, after reinvesting approximately $50 million to support growth initiatives, to deliver approximately $350 million in net annual cost savings by the end of 2028. Approximately $625 million of cash costs are expected to be incurred as well as approximately $25 million in non-cash charges
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Note 20 - Subsequent Event On July 28, 2026, the Board of Directors of WTW approved and authorized management to execute Propel, an artificial intelligence (‘AI’) acceleration plan (the ‘Plan’). The Plan is a two-year program to embed AI and automation across the enterprise. Supported by the Company's ongoing investments in AI, data and technology, including the acquisition of Newfront, the Plan is expected to enhance client service and create additional opportunities for growth as well as streamline core operating processes. The Company expects to generate approximately $400 million in annual cost savings and, after reinvesting approximately $50 million to support growth initiatives, to deliver $350 million in net annual cost savings by the end of 2028. Approximately $625 million of cash costs are expected to be incurred as well as approximately $25 million in non-cash charges through the end of 2028 in connection with the Plan, consisting principally of process automation and organizational transition costs, including process and organizational design costs, severance and separation-related costs and temporary retention costs, as well as costs associated with implementing AI systems and related technologies, including technology implementation, integration and certain contractor and vendor contract termination costs. An immaterial portion of these costs is expected to be capitalized.
Read in the filing ↗
On July 28, 2026, the Board of Directors of WTW (the ‘Company’) approved and authorized management to execute Propel, an artificial intelligence (‘AI’) acceleration plan (the ‘Plan’). The Plan is a two-year program to embed AI and automation across the enterprise. Supported by the Company's ongoing investments in AI, data and technology, including the acquisition of Newfront, the Plan is expected to enhance client service and create additional opportunities for growth as well as streamline core operating processes. The Company expects to generate approximately $400 million in gross run-rate savings. After reinvesting approximately $50 million to support growth, the Company expects to deliver $350 million in net run-rate savings by the end of 2028. Approximately $625 million of cash costs are expected to be incurred as well as approximately $25 million in non-cash charges through the end of 2028 in connection with the Plan, consisting principally of process automation and organizational transition costs, including process and organizational design costs, severance and separation-related costs and temporary retention costs, as well as costs associated with implementing AI systems and related technologies, including technology implementation, integration and certain contractor and vendor contract termination costs. An immaterial portion of these costs is expected to be capitalized.
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… Bribery Act 2010, and similar local laws prohibiting corrupt payments to governmental officials and the Foreign Account Tax Compliance provisions of the Hiring Incentives to Restore Employment Act in the U.S., as well as laws and regulations related to fraud, data privacy, artificial intelligence, cybersecurity and telemarketing.
Read in the filing ↗ Also in 10-K of Feb 25, 2025
… implement and realize anticipated benefits of any cost-savings or investment initiatives including our newly launched artificial intelligence acceleration plan (the ‘Plan’); our cybersecurity and privacy processes; our application of artificial intelligence technologies throughout our business and our ability to compete with artificial intelligence technologies offered by new or existing competitors; our ability to protect our intellectual property; our compliance …
Read in the filing ↗ Also in 10-Q of Jul 30, 2026, 8-K of Oct 29, 2026, 10-Q of Oct 29, 2026, 10-Q of Apr 30, 2026
… cybersecurity, technology, information security, privacy, and artificial intelligence risk. WTW’s Chief Information Security Officer (‘CISO’) and Global Head of Technology report to the Risk Committee on cybersecurity matters, including key risks. The Risk Committee reports to the board of directors at each formal board meeting and the board of directors discusses those reports. Management Oversight and Governance Management plays …
Read in the filing ↗
… manage ongoing leadership, organizational and technology changes, including investments in improving systems and processes; our cybersecurity and privacy processes; our ability to protect our intellectual property; our application of artificial intelligence technologies throughout our business; our compliance with laws and regulations; our ability to implement and realize anticipated benefits of any cost-savings initiatives generated from our completed multi-year …
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… For example, incorporating artificial intelligence (‘AI’) into certain product offerings is becoming more important in our operations, particularly as our competitors, including new entrants focused on using technology and innovation, such as generative AI, digital platforms, data analytics, robotics and blockchain, seek to simplify and improve the client experience, increase efficiencies, alter business models and effect other potentially disruptive changes …
Read in the filing ↗ Also in 10-K of Feb 25, 2026
… cybersecurity breaches or incidents; our ability to effectively apply artificial intelligence and other technology, data and analytics solutions, including through the use of artificial intelligence, for internal operations, maintaining industry standards, meeting client preferences and gaining competitive advantage, among other things; the effect of competitive products (including those incorporating artificial intelligence) and pricing including the level of success of new …
Read in the filing ↗ Also in 8-K of Feb 3, 2026, 8-K of Jul 31, 2025, 8-K of Oct 30, 2025, 8-K of Jul 30, 2026, 8-K of Feb 4, 2025, 8-K of Apr 25, 2024, 8-K of Apr 30, 2026, 8-K of Apr 24, 2025, 8-K of Jul 25, 2024, 8-K of Feb 6, 2024, 8-K of Oct 31, 2024
… or incidents; our ability to effectively apply artificial intelligence and other technology, data and analytics solu tio ns, including through the use of artificial intelligence, for internal operations, maintaining industry standards, meeting cl ien t preferences and gaining competitive advantage, among other things; the effect of competitive products (including those incorporating artificial intelligence) and pricing in clu ding the level …
Read in the filing ↗ Also in 8-K of Jul 30, 2026
… pipelines; our ability to successfully manage ongoing leadership, organizational and technology changes, including in ves tments in improving systems and processes; our cybersecurity and privacy processes; our application of artificial intelligence technologies throughout our business; our ab ility to protect our intellectual property; our compliance with laws and regulations; our ability to implement and realize an tic ipated benefits of …
Read in the filing ↗ Also in 8-K of Jul 31, 2025, 8-K of Oct 30, 2025, 8-K of Apr 24, 2025, 8-K of Feb 3, 2026
… our information technology resources and systems and related risks of cybersecurity breaches or incidents; our ability to comply with complex and evolving regulations related to data privacy, cybersecurity and artificial intelligence; the risks relating to the transitional arrangements in effect subsequent to our now - completed sale of Willis Re to Gallagher; significant competition that we face and the potential for …
Read in the filing ↗ Also in 8-K of Apr 25, 2024, 8-K of Jul 25, 2024, 8-K of Oct 31, 2024