Please read these terms of use carefully as they contain important information regarding your legal rights, remedies and obligations.

This website is operated by Arthur J. Gallagher & Co.’s Canadian subsidiaries, including but not limited to Arthur J. Gallagher Canada Limited, Gallagher Benefit Services (Canada) Group Inc., and Gallagher Bassett Canada Inc. (“Gallagher”, “we”, “our” and “us”). By accessing or using this website or by posting a link to this website on any website(s) owned or operated by or on behalf of you, you signify that you have read, understand and agree to be bound by these terms of use (“Terms of Use”). The contents of this website, including but not limited to the text and images herein and their arrangement, are copyright ©2020 by Gallagher. All Rights Reserved.


You are only authorized to use this website if you agree to abide by all applicable laws and to these Terms of Use. These Terms of Use are current as of the “last revised” date, and we reserve the right (at our sole discretion) to modify, add, or delete portions of these Terms of Use at any time without further notice. If we do this, we will post the changes to these Terms of Use on this website. Your continued use of this website after any such changes constitutes your acceptance of the revised Terms of Use.

Please also read our Privacy Statement which describes how the website collects, uses and discloses personal information. Before you continue, you should print and/or save a local copy of these Terms of Use and the Privacy Statement for your records.

Access to This Website

We may discontinue or modify any aspect of this website in our sole discretion and without prior notice or liability, including (without limitation) restricting the timing this website is available; and/or restricting or terminating any user’s right to use this website. You agree that any termination or cancellation of your access to, or use of, this website may be effected without prior notice and for any reason. Further, you agree that we shall not be liable to you or any third-party for any termination or cancellation of your access to, or use of, this website.

You acknowledge and agree that your only right with respect to any dissatisfaction with this website, or any policies or practices of Gallagher in providing this website, including (without limitation) any change in content is to cease using this website.

From time to time, we may supplement these Terms of Use with additional terms and conditions pertaining to specific content, activities or events (“Additional Terms”). You understand and agree that any Additional Terms are incorporated by reference into these Terms of Use.

We control this website from our offices within Ontario, Canada. This website is intended to be accessible in all provinces and territories of Canada, and is also accessible from other countries. Given that the provinces of Canada, as well as other jurisdictions, will have laws that may differ from those of the Province of Ontario, you agree that all matters relating to access to, or use of, this website, or any other hyperlinked website, shall be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of laws principles. You also agree and submit to the non-exclusive jurisdiction and venue of the courts of the Province of Ontario and acknowledge that you do so voluntarily and are responsible for complying with all local laws.


Our logos are registered trademarks of Gallagher. All other trademarks are either owned by Gallagher or by other companies. Other trade-marks, product names and company names or logos cited herein are the property of their respective owners.


All content on this website, including (without limitation) designs, text, graphics, pictures, video, information, applications, software, music, sound and other files, and their selection and arrangement (the “Website Content”), are the property of Gallagher. No Website Content may be modified, copied, distributed, framed, reproduced, downloaded, displayed, transmitted, or sold in any form or by any means, in whole or in part, without our prior written permission.

Gallagher hereby authorizes you to copy and display the Website Content, but only for your personal or informational and non-commercial use. However, the Website Content herein shall not be copied, posted in any network computer or broadcast or published in any media. Any copy you make must include this copyright notice. Limited quotations from the Website Content are permitted if attribution to Gallagher is included, but you may not copy or display for redistribution to third parties for commercial purposes any portion of the Website Content without the prior written permission of Gallagher. No modifications of the Website Content may be made.

Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right to any patent, trademark, copyright (except as expressly provided above), or other proprietary rights of Gallagher, or of any third party. Any use of this website or the Website Content other than as specifically authorized herein, without the prior written permission of Gallagher, is strictly prohibited and will terminate the license granted herein. Unless explicitly stated herein, nothing in these Terms of Use shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise.

Submission of Your Information

The website enables you to provide or upload information, including but not limited to messages, text, and other information or content (collectively, “Your Information”), to Gallagher for purposes including (without limitation) understanding your needs and determining your eligibility for products and services. You acknowledge and agree that you are solely responsible for all Your Information you submit, provide or upload and the consequences for submitting, providing or uploading it.

Gallagher will use Your Information in connection with providing services to you. You agree that by uploading, or otherwise providing any of Your Information on or through this website, you grant to us a perpetual, worldwide, non-exclusive, royalty-free license to use, reproduce, process, display, all or any portion of such Your Information in connection with providing services to you. This license includes the right to host, index, cache or otherwise format Your Information in order to provide you with services.

You represent and warrant that (a) Your Information is accurate and complete; (b) you own Your Information or have the necessary licenses, rights, consents and permissions to grant the license set forth herein; and (c) that its provision to Gallagher will not violate the copyrights, privacy rights, publicity rights, trademark rights, contract rights or any other intellectual property rights or other rights of any third party.

You agree that Gallagher is not responsible for any violations of any third party intellectual property rights in any of Your Information. You agree to pay all royalties, fees and any other monies owing to any person by reason of the Your Information uploaded, displayed or otherwise provided by you to this website.

Disclaimers and Limitation of Liability

Gallagher makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty or condition of any kind.

Gallagher has not made and does not make any representation, warranty, condition or guarantee of any kind whatsoever, express or implied, or arising by statute, usage or trade, custom or otherwise, of any kind with respect to the contents of this site; and all implied warranties and conditions including (without limitation) of merchantability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by Gallagher. Gallagher will not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of this website or the Website Content, or Your Information. Except as specifically stated on the website, neither Gallagher nor any of its respective directors, employers, employees or other representatives will be liable for damages arising out of or in connection with the use of the website, or any linked websites. This limitation of liability applies to all damages of any kind, including (without limitation) direct, indirect or consequential damages, loss of data, income or profit, loss of damage to property and claims of third parties. IF AND TO THE EXTENT THAT THE PRECEDING PROVISION DOES NOT APPLY TO ANY CLAIM MADE BY YOU, THE MAXIMUM AGGREGATE LIABILITY OF GALLAGHER TO YOU FOR ALL CLAIMS DIRECTLY OR INDIRECTLY ARISING FROM OR IN CONNECTION WITH USE OF THIS WEBSITE SHALL NOT EXCEED ONE HUNDRED CANADIAN DOLLARS (CAD$100). NOTHING IN THIS SECTION WILL OPERATE TO EXCLUDE OR RESTRICT GALLAGHER’S LIABILITY (IF ANY) TO YOU FOR ANY MATTER FOR WHICH IT IS NOT PERMITTED BY LAW TO EXCLUDE OR LIMIT ITS LIABILITY.

While Gallagher believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and Gallagher does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Gallagher may make changes in the products and/or services described herein, however, Gallagher makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Links to Other Sites

Some of the sites listed as links herein are not under the control of Gallagher, and other sites or resources may contain links to this website. You acknowledge that we are not responsible or liable for any third party content, including but not limited to the accuracy, integrity, quality, usefulness, legality, appropriateness, safety or intellectual property rights of or relating to such third party content or any other aspect of such sites or resources. Accordingly, Gallagher makes no representations, warranties, conditions or guarantees whatsoever concerning the content of those sites. The fact that Gallagher has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by Gallagher with respect to such site, its owners or its providers. Gallagher is providing these links only as a convenience to you. Gallagher has not tested any information, software or products found on these sites and therefore cannot make any representations, warranties, conditions or guarantees whatsoever with respect thereto. You further acknowledge and agree that we will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such third party content, goods or services available on or through any such site or resource. There are risks in using any information, software or products found on the Internet, and Gallagher cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet, and doing so is at solely at your own risk.

General Matters

The Terms of Use and any Additional Terms, is the entire agreement between you and Gallagher relating to the subject matter herein.

If any provision of these Terms of Use is unlawful, void, or unenforceable for any reason, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions.

We may assign our rights and obligations under these Terms of Use. These Terms of Use will inure to the benefit of our successors, licensees and assigns. You may not assign your rights or obligations under these Terms of Use without our consent. These Terms of Use will inure to the benefit of your successors and permitted assigns.

The failure of either party to insist upon or enforce the strict performance of the other party with respect to these Terms of Use, or to exercise any right under these Terms of Use, will not be construed as a waiver or relinquishment of such party’s right to assert or rely upon any such provision or right in that instance, or in any future instance; rather, the same will be and will remain in full force and effect.