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Copyright Arthur J. Gallagher & Co. 1999-2014. All rights reserved.

Arthur J. Gallagher & Co. (AJG) grants permission to view, copy, print and distribute the information found on this Web site provided that the above copyright notice appears on all copies, use is for internal informational purposes only, and no modification is made to any materials. Any other use, reproduction or distribution must be first approved by AJG.

DISCLAIMER. The content of this Web site is provided for informational purposes only, from a general insurance/risk management perspective, with the understanding that AJG is not rendering legal, accounting or other professional advice on specific matters. Accordingly, AJG assumes no liability whatsoever in connection with the use of such content. AJG recommends that you consult your legal counsel or other professional advisor with respect to your individual situation.

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LIMITATION OF LIABILITY. AJG provides these materials and Web site on an "as is" "when available" basis without warranty of any kind, express or implied, including but not limited to any implied warranty of merchantability or fitness for a particular purpose or non-infringement. In no event will AJG be liable for any damages, including but not limited to special, indirect, incidental or consequential damages, or for acts of negligence arising in connection with any information, result, error, omission, defect, delay or system malfunction relating to AJG 's web site regardless of whether AJG has been advised of the possibility of such damages. Access to this Web site may be monitored and use of this site constitutes consent to monitoring.

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