All material facts must be disclosed to Underwriters whether or not the subject of a specific question above. A material fact is one which a prudent Underwriter would regard as likely to influence the acceptance or assessment of the proposal. Non-disclosure or misrepresentation of a material fact may result in the insurance being void. If you are in any doubt whether facts would be considered material, you should disclose them. Should something become known or a matter arise during the currency of your insurance which could be considered to be a material fact this should also be advised to Underwriters immediately.

Marsh offers a range of proprietary insurance solutions, each of which is designed to address profile-specific risks of our clients. We receive compensation for creating, administering and/or providing services to insurers for these solutions. The compensation is not specific to individual policies and is in addition to any other fee or commission Marsh earns. Use of a solution is subject to the sole discretion of Marsh's client.