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ALTHOUGH LOCKTON BELIEVES THE CONTENT TO BE ACCURATE, COMPLETE AND CURRENT, LOCKTON MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS OR CURRENCY OF THE CONTENT. IT IS YOUR RESPONSIBILITY TO VERIFY ANY INFORMATION BEFORE RELYING ON IT. THE CONTENT OF THIS SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. FROM TIME TO TIME CHANGES ARE MADE TO THE CONTENT HEREIN. LOCKTON MAY MAKE CHANGES IN THE PRODUCTS AND/OR THE SERVICES DESCRIBED HEREIN AT ANY TIME.

LOCKTON DOES NOT WARRANT OR REPRESENT THAT THIS SITE IS COMPATIBLE WITH YOUR EQUIPMENT OR IS FREE OF ERRORS, VIRUSES OR WORMS AND IS NOT LIABLE FOR ANY DAMAGE YOU MAY SUFFER AS A RESULT OF SUCH DESTRUCTIVE FEATURES.

Links To Other Sites

The content of other Web sites, services or advertisements that may be linked herein are not maintained by or under the control of Lockton. Lockton is therefore not responsible for the availability, content or accuracy of other Web sites, services or goods that may be linked to, or advertised on this site. Accordingly, Lockton makes no representations or warranties whatsoever, express or implied, concerning the content of those sites. The fact that Lockton has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by Lockton with respect to such site, its owners or its providers. Lockton is providing these links only as a convenience to you. Lockton has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto.

Fee & Commission Disclosure

We advocate complete disclosure regarding our sources of income to our clients.

Lockton Companies may receive compensation in a number of ways: (1) as commissions paid by an insurer, calculated as a percentage of premiums, or; (2) as negotiated fees paid by the client in-lieu of commissions. These commissions or fees received are for the placement/renewal of a client’s insurance/risk management program, day-to-day servicing, risk control services and/or other services Lockton has agreed to provide on a client’s behalf.

Lockton Companies may also receive payments known as “contingent compensation”, based upon factors that are not specific to a certain client. Several insurance companies have supplementary compensation arrangements that are “contingent” in nature as the payment is based upon a number of variables: premium growth; profitability; client persistency, etc. Furthermore, many factors including the type of client and type of insurance are often excluded from potential payment.

Since “contingent” payments are determined when an insurer’s underwriting year has closed, Lockton is not made aware if a contingency payment will be made nor the amount of the payment until the close of that underwriting year.

In general, the total amount of contingent income payable to us is not known until the end of the calendar year and is based on the total results of all accounts placed with a particular insurer.

Should you have additional questions regarding this practice as it relates to your account, please contact your Lockton representative.

Intellectual Property

This Web site, including without limitation, the text, content, photographs, video, audio and graphics, is protected by copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of the United States and other countries. "Lockton" and the Lockton logo are registered trademarks of Lockton. All other trademarks are either owned by Lockton or by other companies.