Jardine Lloyd Thompson Group plc is a risk management adviser, insurance and reinsurance broker. It is also a provider of employee benefit administration services and related consultancy advice. It has three main segments: Risk & Insurance, Employee Benefits and Head Office & Other operations. The Risk & Insurance segment comprises JLT’s worldwide insurance, reinsurance broking and risk services activities. The Employee Benefits segment consists of pension administration, outsourcing, employee benefits consultancy and US Group marketing activities. The Head Office/Other segment consists mainly of holding companies, central administration functions, the Company's captive insurance companies and the Company's investment in Newstone Courtage the holding company of SIACI Saint Honore.