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Terms of Business

Terms of Business

To make our terms of business easier to understand for your specific needs, we have compiled a PDF.

Terms of Use for the website

This website,, (the “Site”) is owned and operated by Willis Limited. Willis Limited (“Willis”) is a limited company registered in England and Wales under company number 181116 and has its registered office at The Willis Building, 51 Lime Street, London EC3M 7DQ. It is authorised and regulated in the UK by the Financial Conduct Authority.

Please read these Terms of Use carefully. By accessing the Site you agree to comply with and be bound by these Terms of Use, including the Privacy Policy. If you do not agree to comply with and be bound by these Terms of Use you should leave the Site immediately. Your attention is specifically brought to the Disclaimer at paragraph 2 below. Additional terms and conditions apply to the products and services available through the Site which will be advised to you at the appropriate point.

  1. Use of the Website
    1. The Site is directed at persons located and resident within the UK (excluding the Channel Islands and the Isle of Man). Willis makes no representation or warranty that any product or service available through the Site is appropriate for use in any other area.
    2. The Site contains information about Cherrypicked Insurance Intermediaries and insurance products and services offered by Cherrypicked Insurance Intermediaries and allows you to select a Cherrypicked Insurance Intermediary to assist you with your insurance requirements. The Site also allows you to subscribe for email marketing and to access systems operated by certain insurers though which you can purchase an insurance policy with such insurers.
    3. You are permitted to use the Site (including printing out or downloading information and content from the Site) only for your own personal use or the internal use of your business, but not for commercial exploitation. Willis’ status (and that of any other identified person) as the authors of material on the Site must always be acknowledged. You may not sell or offer for sale any information or content from the Site.

  2. Disclaimer
    1. Whilst Willis uses reasonable endeavours to ensure the accuracy of the information on the Site, it cannot be guaranteed and Willis therefore makes no guarantees, conditions, warranties or representations about the accuracy or completeness of the information on the Site.
    2. Your access to and use of the information on and the services available through the Site is, as between you and Willis, entirely at your own risk. Willis makes no representations or warranties that the Site will be free from defects or that defects will be corrected or that the Site or the server from which it is hosted will be free from viruses, Trojan horses, worms or other harmful components.
    3. Willis makes no warranties or representations as to the availability or functionality of the Site or the services available through the Site from time to time. Willis may at its option at any time remove any content from or alter any capability of services available through the site or suspend or terminate the provision of the Site.
    4. To the extent permitted by law, Willis expressly excludes:
      1. all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity; and
      2. any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with the Site or in connection with the use, inability use, or results of the use of the Site, any websites linked to it and any materials posted on it, including, without limitation, any liability for loss of income or revenue, business, profits or contracts, anticipated savings, data, goodwill, wasted management or office time and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above.
    5. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or information provided on or available through the Site. All information contained in the Site is distributed with the understanding that the authors, publishers and distributors are not rendering financial, investment, legal, accounting or other professional advice. For specific advice on any particular circumstances you should consult your Cherrypicked Insurance Intermediary or your own investment, legal or tax advisor as appropriate.
    6. Notwithstanding any provision of these Terms of Use, Willis does not exclude or limit or attempt to exclude or limit its liability for death or personal injury caused by its negligence or for fraud or for any other liability which cannot be limited under law.

  3. Intellectual Property
    1. Unless otherwise noted, the marks, logos, graphic images, buttons, layout, and text contained in the Site are the exclusive property of Willis, or used by Willis under licence, and may not be copied or distributed, in whole or in part, except in accordance with these Terms of Use. All rights in the Site, except as expressly granted in these Terms of Use, are reserved by Willis.
    2. The Site contains trademarks belonging to Willis. You are granted no rights in respect of any such trademarks.

  4. Linking to third party websites
    1. The Site provides hyperlinks to websites owned and operated by Cherrypicked Insurance Intermediaries. When you click on any of these links you will leave the Site. If you decide to access such sites or other third party sites, you do so at your own risk. Willis does not endorse or take any responsibility for the content or activities of any such other sites.
    2. Willis does not guarantee that any hyperlinks on the Site will be accurate.
    3. You may not frame the Site on any other website or provide hyperlinks to the Site without prior written consent of Willis; Willis may withdraw such consent at any time.

  5. Use of the “Quote and Buy On-line” Facility
    1. If you chose to use the “quote and buy on-line” facility you will, as part of this process, be asked to appoint a Cherrypicked Insurance Intermediary to act as your insurance broker and accept their terms and conditions of business. If you chose to accept these terms and conditions you will become the client of your chosen Cherrypicked Insurance Intermediary who will permit you to access selected insurers from whom you may choose to purchase an insurance policy.
    2. Advertisement of available products and services through the Site are not offers to sell or buy such products and or/ services, either by Willis or the relevant Cherrypicked Insurance Intermediary or insurer. The insurer advertising such products or services may accept or reject your offer to buy the products or services at its sole discretion.

  6. Data protection
    1. Your personal information is dealt with in accordance with our privacy policy. By using the Site you consent to such processing and you warrant that all data provided by you is accurate.
    2. Willis is not obligated to, but reserves the right to, monitor any transmission made through the Site.

  7. Jurisdiction and applicable law
    1. The English courts will have exclusive jurisdiction arising from, or related to, a visit to the Site, except that Willis reserves the right to bring proceedings against you for breach of these conditions in your country of residence or any other relevant jurisdiction.
    2. These terms of use and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the law of England and Wales.

  8. Update
    1. These Terms of Use were last updated on 1 October 2009. Willis may amend these Terms of Use from time to time to reflect changes in the law, this Site, Willis’ practices or otherwise. Any such changes will be advertised on this Site.