Terms & Conditions

Terms of Use

Last Updated: January 1, 2020


Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Arthur J. Gallagher Canada Limited ("Gallagher"), its affiliated companies (collectively "Jones Brown") and/or third party licensors. The Gallaghern logo, all other service marks, and the names of various products and services described within are service marks of Gallagher.

Except as expressly provided herein, you shall not use any portion of this Web site, or any other intellectual property of Gallagher (including, but not limited to the SAC Insurance Program), on any other Web site, in the source code of any other Web site, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this Web site’s content or frame this Web site within any other Web site without our prior written permission. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Jones Brown, is prohibited.

Third-Party Sites

This site may contain links to other Internet Web sites ("Third-party Sites") that are not maintained by Gallagher. These links are provided solely for your convenience. Gallagher makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.

Privacy & Security

Please review our Privacy & Security Policy, which also governs your visit to this Gallagher Web site.

Password Registration

Some areas of the Gallagher Web site are restricted and require a user identification code ("User ID") and a password for access. Unauthorized use of or access of such sites is strictly prohibited.

In accessing areas of the sites requiring a User ID and password, you agree that:

  • Gallagher is entitled to act on instructions received under your User ID and password.
  • Gallagher is not liable for any unauthorized access to your personal information that is not the direct result of negligence or intentional misconduct on the part of Gallagher.
  • You will keep your password confidential and you will notify Gallagher immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online servicing site has occurred or may occur.
  • Gallagher may block online access to your policy without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons.

Disclaimer of Warranty

The content and materials in this site are provided "as is" and without representations or warranties of any kind, either express or implied. Gallagher expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. Gallagher does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from Gallagher are free of viruses or other harmful components. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability

Gallagher shall not be liable for any injury, loss, claim, or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability or otherwise, which arises out of (a) the use of, or inability to use, this site or content found in this site, or (b) unless resulting from the gross negligence or intentional actions of Gallagher, its employees, agents or representatives, the unauthorized access to or alteration of your transmissions or data, even if Gallagher has been advised of the possibility of such damages.


Use of this site shall be governed by and construed in accordance with the laws of the Province of Ontario without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Toronto, Ontario, Canada.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Premium / Refunds

Your insurance coverage is not vaild unless your insurance policy has been paid for in full. 

Insurance coverage can be cancelled during the policy period as a result of the sale of the aircraft. 

We will require a duly authorized copy of the bill of sale and upon receipt we will issue a Pro-Rata refund of the unearned premium. This will be issued to the Aircraft Owner(s) on file in the form of a business cheque, within 10 business days and mailed to the aircraft owners address on file with Gallagher.

Underwriting Companies

Policies are underwritten through licenced Canadian Insurers.


Service Office


Attn: SAC Team

Suite 300

334-11th AVE. SE

Calgary, AB T2G 0Y2

Tel: 403.265.1920