Gallagher London

Tel: 0207 234 4025

Fax: 0207 560 3294

Email: uk-pi@ajg.com

Office Hours: 9.00am - 5.00pm (Monday - Friday)

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In completing the questions and agreeing or disagreeing with assumptions during the quote process you are required to make a fair presentation of the risk to Insurers. This means that you must disclose every material circumstance which you know or ought to know relating to the risk to be insured. A circumstance is material if it would influence the judgment of a prudent insurer in determining whether to provide insurance for the risk and, if so, on what terms.

What you know: You will be expected to know any information which is known by individuals who are: (a) part of your senior management (i.e. individuals who play a significant role in the making of decisions about how your activities are to be managed or organised); (b) responsible for arranging your insurance (i.e. individuals who participate on your behalf in the process of procuring your insurance in any capacity).

What you ought to know: In addition, you are expected to know any information that should reasonably have been revealed by a reasonable search of information available to you (whether the search is conducted by making enquiries or by other means). This could include any information held within your organisation or by any other person.

Clear and Accessible disclosure: The disclosure you give must be made in a manner which would be reasonably clear and accessible to a prudent insurer.

Every material representation of a matter of fact which you make must be substantially correct and every material representation as to a matter of expectation or belief must be made in good faith.

Failure to comply with the duty of fair presentation could mean that the policy is void or that Insurers are not liable to pay all or part of your claim(s).

If you are in any doubt as to what may constitute a fair presentation, please feel free to contact us on 020 7234 4025 and we will endeavour to assist you.

Arthur J. Gallagher Insurance Brokers Limited, Arthur J. Gallagher (UK) Limited and their affiliates and subsidiaries "we" or "us" or "Gallagher" collect and process data about individuals. We are insurance intermediaries and part of the Arthur J. Gallagher global group of companies. The Gallagher group company which provides the insurance intermediary service offered to you is primarily responsible for the personal data collected in relation to that service. Information on the Gallagher group companies and their services is available here. We collect and process information about you in order to arrange insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with third parties such as insurers, reinsurers, other brokers, claims handlers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators, police and government agencies or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy notice at https://www.ajginternational.com/Privacy-Policy/. If you are providing personal data of another individual to us, you must tell them you are providing their information to us and show them a copy of this notice.

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Arthur J. Gallagher (UK) Limited is authorised and regulated by the Financial Conduct Authority.

Registered Office: The Walbrook Building, 25 Walbrook, London EC4N 8AW. Company Number: 11931013 England and Wales.www.ajginternational.com

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