This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website www.ajg.com/uk/ (the “site”), whether as a guest or a registered user, as applicable, together with certain legal and regulatory information. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Terms of use
Complaints data
Gallagher UK Tax Strategy
Premium Credit Arrangements

1. INFORMATION ABOUT US

1.1 www.ajg.com/uk/ is a site operated by and containing information about the products and services offered by Gallagher.

“Gallagher” is the brand name for companies forming part of the Arthur J. Gallagher & Co. group of companies. From this site you can also follow links to other sites operated by Gallagher.

Wherever the name “Gallagher” or the words “we” or “our” are used on the site, this implies one or more of the following companies within the Arthur J. Gallagher & Co. group that are outside of the United States, which may offer products or services on the site:

a) Key entities - Non-regulated

(i)Arthur J. Gallagher Holdings (UK) Limited. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 6578719.

(ii) Arthur J. Gallagher Services (UK) Limited. The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 8887139.

(iii) Gallagher Holdings (UK) Limited. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 5933192.

b) Regulated Entities - Actively Trading

(i) Arthur J. Gallagher (UK) Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 1193013.

(ii) Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909.

(iii) Heath Lambert Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 1199129.

(iv) Pen Underwriting Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 05172311.

(v) Risk Management Partners Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number:02989025.

(vi) Risk Services (NW) Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number:03785636.

(vii) Nordic Försäkring & Riskhantering AB is authorised and regulated by the Swedish Financial Supervisory Authority. Incorporated in Sweden under company number 556418-5014 with registered address at Mölndalsvägen 22, 412 63 Göteborg, Sweden.

c) Group-owned Appointed Representatives and Introducer Appointed Representatives - actively trading 

(i) Alesco Risk Management Services Limited is an appointed representative of Arthur J. Gallagher (UK) Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 06518638.  Full details for Arthur J. Gallagher (UK) Limited are set out in paragraph (b)(i) above.

(ii) Artex Risk Solutions (UK) Limited is an appointed representative of Arthur J. Gallagher Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: 67 Lombard Street, London, England, EC3V 9LU. Company Number: 08213668. Full details for Arthur J. Gallagher Insurance Brokers Limited are set out in paragraph (b)(ii) above.

(iii) Each of Capsicum Reinsurance Brokers LLP (Registration Number:OC391007),Capsicum Reinsurance Brokers Nº 1 LLP(Registration Number:OC391039), Capsicum Reinsurance Brokers Nº 2 LLP (Registration Number: OC393713), Capsicum Reinsurance Brokers Nº 3 LLP (Registration Number:OC393712), Capsicum Reinsurance Brokers Nº 4 LLP (Registration Number:OC397192), Capsicum Reinsurance Brokers Nº 5 LLP (Registration Number:OC395297), Capsicum Reinsurance Brokers Nº 6 LLP (Registration Number:OC397191), Capsicum Reinsurance Brokers Nº 7 LLP (Registration Number:OC399845), Capsicum Reinsurance Brokers Nº 9 LLP (Registration Number:OC414706) and Capsicum Reinsurance Brokers Nº 11 LLP (Registration Number:OC419563), is an appointed representative of Arthur J. Gallagher (UK) Limited which is authorised and regulated by the Financial Conduct Authority. Registered Offices: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Full details for Arthur J. Gallagher (UK) Limited are set out in paragraph (b)(i) above.

(iv) Gallagher Colombia (UK) Ltd is a wholly-owned subsidiary of Arthur J. Gallagher (Bermuda) Holding Partnership and an introducer appointed representative of Arthur J. Gallagher (UK) Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 9019508. Full details for Arthur J. Gallagher (UK) Limited are set out in paragraph (b)(i) above.

(v) Insurance Dialogue Limited is an appointed representative of Heath Lambert Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 4683616. Full details for Heath Lambert Limited are set out in paragraph (b)(iii) above.

d) Group-owned Regulated Entities and Appointed Representatives in run-off (no new business is being conducted through these entities)

(i)Contego Underwriting Limited is an appointed representative of Pen Underwriting Limited which is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 5883728. Full details for Pen Underwriting Limited are set out in paragraph (b)(iv) above.

(ii) Evolution Underwriting Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Suite 2 9 West End, Kemsing, Sevenoaks, Kent, TN15 6PX. Company Number: 04996236.

(iii) Gallagher Benefits Consulting Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 00772217

(iv) Ink Underwriting Agencies Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 3110970.

(v) OAMPS (UK) Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 1969267.

(vi) Oval Insurance Broking Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: 9 South Parade, Wakefield, West Yorkshire, WF1 1LR. Registered in England and Wales. Company Number: 1195184.

(vii) Zennor Limited is authorised and regulated by the Financial Conduct Authority. Registered Office:  The Walbrook Building, 25 Walbrook, London EC4N 8AW. Registered in England and Wales. Company Number: 04254495.

1.2 Our ultimate holding company is a US corporation which is listed on the New York Stock Exchange. Consequently, all of the legal entities in our group (and our affiliates) are subject to certain US, EU, UN and UK sanctions laws, regulations and restrictions which may prohibit them from placing or arranging cover for certain individuals or entities, and types of activities in or connected with certain countries and territories.

2. ACCESSING OUR SITE

2.1 Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.

2.2 From time to time, we may restrict access to some parts of our site, or our entire site, to guest users or users who have registered with us, as applicable.

2.3 If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

2.4 When using our site, you agree:

(a) not to reproduce, duplicate, copy or re-sell any part of our site in contravention of these terms of use,

(b) not to access or use the site in any way that breaches any applicable local, national or international law or regulation,

(c) not to access or use the site in any way be unlawful, libelous, defamatory, threatening, malicious, abusive, pornographic, obscene or embarrassing to any person,

(d) not to access without authority, interfere with, damage or disrupt any part of our site, any equipment or network on which our site is stored, any software used in the provision of our site or any equipment or network or software owned or used by any third party,

(e) not to use the site in any way which infringes or may reasonably infringe on any other person’s copyright, trade mark, trade secret, know how or any other intellectual property rights.

2.5 You agree to, at all times, indemnify and hold harmless each Gallagher company and its officers, employees and agents ("those indemnified”) from and against any loss (including reasonable legal costs and expenses) or liability reasonably incurred or suffered by any of those indemnified arising from or in connection with:

(a) a breach by you or your employees, agents, contractors or permitted assignees of this Legal & Regulatory Information document; or

(b) any wilful, unlawful or negligent act or omission on your part or on the part of your employees, agents, contractors or permitted assignees.

2.6 You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.

3. INTELLECTUAL PROPERTY RIGHTS

3.1 We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

3.2 You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organisation to material posted on our site.

3.3 You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

3.4 Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.

3.5 You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.

3.6 If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

4. RELIANCE ON INFORMATION POSTED

4.1 Commentary and other materials posted on our site are not intended to amount to advice on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

5. OUR SITE CHANGES REGULARLY

5.1 We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

6. OUR LIABILITY

6.1 The material displayed on our site is provided on an “as is” and “as available” without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:

(a) All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.

(b) Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill, wasted management or office time and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.

6.2 The contents of the site are for general informational purposes only (and do not constitute any form of professional advice) and should not be used or relied upon as a substitute for detailed advice specific to you or your organisation. Where the contents of this site include a recommendation or an assessment of risk, such recommendation or assessment of risk is an expression of opinion only and not a statement of fact. Any decision to rely upon any such recommendation or assessment (or any other part of this site) will be solely at your own risk, for which we accept no liability. The contents of this site do not replace the need for you to make your own assessment. Before taking any action based upon any of the contents of this site, you should consult one of our professionals or other appropriate advisor.

6.3 This does not affect our liability for death or personal injury arising from our negligence, nor any other liability which cannot be excluded or limited under applicable law.

7. INFORMATION ABOUT YOU AND YOUR VISITS TO OUR SITE

7.1 We process information about you in accordance with our Privacy Policy. By using our site, you consent to such processing and you warrant that all data provided by you is accurate.

8. VIRUSES, HACKING AND OTHER OFFENCES

8.1 You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.

8.2 We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

9. LINKING TO OUR SITE

9.1 You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

9.2 You must not establish a link from any website that is not owned by you.

9.3 Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permissions without notice.

10. LINKS FROM OUR SITE

10.1 Where our site contains links to other sites and resources provided by third parties, these links are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. We do not endorse or recommend any views, advice, products or services offered on site accessible via this site.

11. JURISDICTION AND APPLICABLE LAW

11.1 The English courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to our site although we retain the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant country.

11.2 These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

12. TRADE MARKS

12.1 The Gallagher logo is a registered trademark of Arthur J. Gallagher & Co.

13. VARIATIONS

13.1 We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

14. PREMIUM CREDIT ARRANGEMENTS

14.1 We work with third party credit providers (which may include the insurer of your insurance policy) to manage instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to the provider and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with the provider. If the credit provider company agrees to provide you with credit it will provide you with its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to the provider.

COMPLAINTS DATA

Our regulator requires us to publish certain complaints information. We are committed to delivering the highest standards of customer care. We are always interested in your feedback and you can contact our complaints team using the following details:

For personal lines complaints: personallinesUK@AJG.com
For commercial and other complaints: commercialcomplaintsuk@ajg.com
For Lloyds customers: www.lloyds.com
By telephone: 0141 285 3539

Whilst we will make every effort to maintain the highest standards, we recognise that there may be occasions when we fail to satisfy the particular requirements of our customers. We therefore have in place procedures to investigate and remedy any area of concern.

In such circumstances we promise:

  • To try and resolve the complaint informally, and write to you confirming if we have done so;
  • To have complaints and expressions of dissatisfaction reviewed fairly and independently by a person of appropriate seniority and authority
  • To acknowledge any formal complaints promptly;
  • To respond fully to your concern or complaint within four weeks or less. If for any reason this is not possible, we will write to you to explain why we have been unable to conclude the matter quickly.
  • If we have been unable to resolve your complaint in eight weeks, we will write to you explaining the reason as to why this has not been possible. We will also advise you of your right to refer your complaint to the Financial Ombudsman Service (if applicable)”

Financial Ombudsman Service

If you still feel that we have not been able to resolve the matter to your satisfaction, after this process you may have the right to refer your complaint to the Financial Ombudsman Service; the address is:

The Financial Ombudsman Service
Exchange Tower
London E14 9SR
Tel: 0300 123 9123
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk

If you take any of the action above, it does not affect your statutory right to take legal action.

Online Dispute Resolution Platform

The European Commission has established an Online Dispute Resolution Platform (ODR Platform) http://ec.europa.eu/consumers/odr/index_en.htm that is specifically designed to help EU consumers who have bought goods or services online from a trader based elsewhere in the EU and subsequently has a problem with that online purchase. The ODR platform will refer your complaint to the Financial Ombudsman Service which will will pass it on to Gallagher.

COMPLAINTS PUBLICATION REPORT

Firm name: Arthur J. Gallagher Insurance Brokers Ltd.
Group: (if applicable) Gallagher
Other firms included in this report (if any): Heath Lambert Ltd & Risk Services (NW) Ltd
Period covered in this report: 1st July 2018 to 31st December 2018

Download the complaints publication report.pdf

GALLAGHER UK TAX STRATEGY

Arthur J Gallagher Holdings (UK) Limited regards the publication of the document below as complying with the duty under Part 2 of Schedule 19, Finance Act 2016 (duty to publish a tax strategy) in the financial year to 31 December 2017.

Download the UK Tax Strategy.pdf