Regulation

Our reputation and success depends upon our commitment to the highest standards of professional behaviour.

We operate within the legal and regulatory frameworks that are in place wherever we do business throughout the world. We also adhere to corporate standards of ethical business practice, whilst appreciating the cultures and business customs of the countries and communities in which we operate.

UK Regulation

Gallager Heath is a trading name of Heath Lambert Limited (HLL), which is a Lloyd’s accredited insurance broker. As a company operating within the financial services industry within the UK, HLL is authorised and regulated by the Financial Services Authority (FSA) for general insurance mediation.

Gallagher Benefits Consulting Limited is also authorised and regulated by the FSA. In addition it is a member of the Society of Pension Consultants.

Treating Customers Fairly

We make every effort to ensure that we treat all of our customers fairly, in line with the following six customer outcomes laid down by the Financial Services Authority:

Consumers can be confident that the fair treatment of customers is central to our corporate culture
Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and targeted accordingly
Consumers will be provided with clear information and kept appropriately informed before, during and after the point of sale
Where consumers receive advice, the advice is suitable and takes account of their circumstances

Consumers are provided with products that perform as firms have led them to expect, and the associated service is both an acceptable standard and as they have been led to expect
Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint