Client Charter

 Our Role as your Insurance Professional

• 1.1 - In our capacity as your insurance advisor we will act as your agent to negotiate contracts of insurance with insurers.
• 1.2 - We will put your interests foremost. We will seek to avoid conflicts of interest, but where a conflict of interest is unavoidable or does arise, we will manage it in such a way as to avoid prejudice to any party.
• 1.3 - We will follow your instructions and act in accordance with the terms of authority that you grant us.
• 1.4 - We will exercise proper care, skill and diligence in the performance of our role.
• 1.5 - We will observe high standards of integrity and our dealings with you will be open and fair.
• 1.6 - Information that you give us will not be used or disclosed except in the normal course of negotiating, maintaining or renewing insurance on your behalf unless we are obliged to make such disclosure for regulatory or legal reasons.

 Understanding the Insurance Requirements

• 2.1 - We will seek from you such information about your business related operations, and corporate objectives as might reasonably be expected to be relevant in enabling us to identify the insurance requirements.

 Information about the Proposed Insurance

• 3.1 - If it is not possible to exactly match the cover you have requested but we are able to propose an alternative, we will explain to you the differences between your instructions and the insurance proposed and draw your attention to any significant or unusual restrictions, exclusions, conditions or obligations.
• 3.2 - We will provide you with the necessary information for you to make an informed decision about the proposed insurance.
• 3.3 - When we provide you with an Insurer’s quotation we will ensure that it is accurately presented.

 Placement and Confirmation of Cover

• 4.1 - We will make a fair presentation to insurers of the information you have given us.
• 4.1 - When choosing insurers we will use our skill objectively and in your best interest.
• 4.1 - Once we have effected the contract of insurance we will send you prompt written confirmation detailing the cover that has been effected along with the names of the Insurers.
• 4.1 - We will notify you of the renewal of expiry of insurance placed on your behalf in time to allow for coverage continuity.

 Claims

• 5.1 - It is essential that you notify us immediately of any claim or circumstance that may give rise to a claim as failure to do so may compromise the claim.
• 5.2 - We will assist you in pursuing claims under policies placed by us. In doing so we will:
  (i)Notify insurers on your behalf and keep you informed of insurer's requirements in respect of the claim;
  (ii)Promptly inform you of the Insurer’s decision regarding acceptance or otherwise of the claim.
• 5.3 - Once we have collected claims monies we will either promptly forward the monies to you or to the appropriate party in accordance with your instructions.

 Accounting

• 6.1 - We will render accounting statements showing the items that are due for settlement. We ask that you advise our Accounts Department of your agreement to the statement. Where the statement balance is in your favour our Accounts Department will arrange payment (subject to receipt of funds).

 Our Remuneration

• 7.1 - Insurance brokers receive remuneration from insurers (known as commissions or brokerage) which is included within the insurance contract premium.
• 7.2 - We will not impose any fees or charges in addition to the premium required by the insurer without first disclosing to you the amount and purpose of the charge.
• 7.3 - Insurance brokers may sometimes in the ordinary course of their business also earn income in a number of other ways by providing services to the market or suppliers we deal with, often based upon the volume and results of the business.

 Complaints

• 8.1 - We will endeavor to provide the highest standards of service. However, should you have cause to make a complaint, you may do so by contacting the Managing Director at the Gallagher Lambert Group office that manages your business. Your complaint will be acknowledged promptly and you will receive a timely response outlining the proposed remedy.