Please read these conditions of use carefully before accessing this website. By accessing and using this website you signify your agreement to these conditions of use. If you do not agree to these conditions do not continue to use or access this website.

Access to certain content and areas of the site is restricted to registered members of the Lloyd’s Market Association (the “LMA”).

No offer of insurance

Nothing on this website constitutes a recommendation, or offer to sell or quote for any insurance product. Insurance products or services referred to on this website are not provided by the LMA and are subject to the legal and regulatory requirements applicable in the jurisdiction in which the risks and/or (potential) assureds are located and therefore, may not be available in all jurisdictions. Any product or service information on this site is provided for general information purposes only. Any insurance products and services referred to will be subject to the insurance providers’ terms and conditions.

Intellectual Property Notice

Except where otherwise stated, the contents of this website including, but not necessarily limited to, text, content, design, layout, HTML programming, concept and layout of the site are the copyright of the LMA. The logos used and displayed on this website are registered and unregistered trademarks of the LMA and others and may not be used, copied, modified or adapted without the prior written consent of the trademark owner, whether registered or unregistered.

Links

The LMA accepts no responsibility for the content of any site to which a link from this website exists. The links are provided “as is” with no warranty, express or implied for the information provided within them.

Privacy and Cookies Notice

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Disclaimer

The LMA provides this website on an “as is” and “as available” basis and makes no representations or warranties of any kind, express or implied, with respect to its operation, contents, products or services. The LMA does not guarantee that the information on this website is accurate, current, complete, suitable for any particular purpose or appropriate for use outside England. If you access this website from other jurisdictions, you do so at your own risk and are responsible for compliance with local laws.

The LMA disclaims any and all representations and warranties, including but not limited to any warranty of quality, fitness for purpose or suitability. To the fullest extent permitted by law, the LMA accepts no liability for any loss or damage (whether direct, indirect, incidental, punitive, special, consequential, commercial or economic), including loss of income, revenue, profits, data or other loss arising out of or in connection with your use of, or inability to use, this website or any of its content, even if the LMA has been advised of the possibility of such damages or they were foreseeable.

Content of the website

The content of this website is provided for general information purposes only. It should not be relied upon without seeking independent advice appropriate to your circumstances. Nothing on this website constitutes legal advice.

This includes, without limitation:

• Policy Wordings and Clauses – LMA wordings and clauses, and those produced by Joint Committees on which LMA members participate, are model wordings and therefore purely illustrative. Use is not restricted to LMA members, and the LMA does not protect its intellectual property rights over such wordings. Parties are free to amend LMA and Joint Committee wordings (please refer to LMA24-046-DP on amending LMA clauses) or agree alternative terms, and it is for Underwriters, Brokers and Clients to decide whether any LMA or Joint Committee wording, whether modified or not, is appropriate for a given risk. The LMA provides no warranty of suitability for any contract or purpose and accepts no liability for any loss or damage arising from reliance on such wording. The LMA does not have clause drafting histories. LMA committees (and panels and working groups which are established by such committees) and Joint Committees are governed by terms of reference designed to ensure, amongst other things, compliance with competition law at all times.
• Guidance – all LMA guidance documents are purely illustrative and aimed at Lloyd’s managing agents, brokers, and other market participants. The practices referred to in such documents may not be applicable or correct in all circumstances and should not be regarded as definitive. Practitioners may reach different conclusions according to the specific circumstances of a risk, and it is for them to decide whether any practice referred to in a guidance document is appropriate or acceptable. The LMA does not protect its intellectual property rights over guidance documents, and neither the LMA nor any party involved in their preparation accepts any liability arising from reliance on them.
• Advice/Opinions – from time to time, the LMA acquires legal advice on matters that would assist the LMA in delivering its objectives of supporting the market. Where beneficial for its members, the LMA may make the advice or opinion available on the LMA website for access by member. All parties should exercise caution before relying or acting upon any advice or opinion on the LMA website without seeking their own legal advice, as the lawyer instructed will not have been instructed with respect to the circumstances of individual parties, as the advice/opinion would have solely been prepared for use by the LMA. Parties preparing the advice/opinions on the website and the LMA do not accept any liability to any other party in respect of any advice/opinion on this website. By viewing the advice/opinion, you accept that you will not hold either the LMA or the party who prepared the advice/opinion liable in respect of such advice/opinion that has been sought and given.
• Recordings – recordings hosted on the LMA website, whether in relation to an event hosted by the LMA or otherwise, are provided for general information purposes only and do not constitute legal advice. By viewing the recording(s), you accept that you will not hold the LMA, any of the speakers or their respective firms liable for any loss or damage arising out of any of the comments made on the recordings.

Jurisdiction and disputes

This website and these conditions of use shall be governed by the laws of England and the parties submit to the exclusive jurisdiction of the Courts of England and Wales.