The website ("Site") is provided for your information by W. R. Berkley Insurance (Europe), Limited, 2nd Floor, 40 Lime Street, London EC3M 7AW. ("WRBIEL"). These are the general terms and conditions that govern your use of this website. Please read these terms and conditions carefully. By using the website you agree to be bound by these terms and conditions. If you do not wish to be bound by these terms and conditions, you may not continue to use or access the website.

These terms and conditions may change or be updated from time to time. It remains your responsibility to access and check these terms and conditions whenever you access the website. The latest version of these terms and conditions will govern any future usage by you of the website.

Your responsibilities
You are wholly responsible for the use of the website by any person using your terminal or point of presence and are responsible for ensuring that any such person also fully complies with these Terms and Conditions.

Use of this website
You agree to use this website in a manner consistent with any and all applicable laws and regulations in the country in which you access the website. This website is not intended for viewers in the United States of America or any other jurisdiction or country where local laws and/or restrictions prohibit any of the activities transacted by the website.

Your personal information
Usage of your personal information is governed by our Privacy Policy, which forms part of these terms and conditions.

Applicable law
You agree that WRBIEL may sub-contract the performance of any of its obligations or may assign these terms and conditions or any of its rights or obligations without giving you notice. These terms and conditions shall be governed and interpreted in accordance with English law, and you consent to the non-exclusive jurisdiction of the English courts.

Contracts (Rights of Third Parties Act) 1999
Other than companies within the W R Berkley Corporation Group, a person who is not a party to these Terms and Conditions has no right (including without limitation under the Contracts (Rights of Third Parties) Act 1999) to enforce or rely on any term of these Terms and Conditions.

Statutory information
W. R. Berkley Insurance (Europe), Limited ("WRBIEL") is a UK subsidiary company of W. R. Berkley Corporation which is listed on the SEC under the symbol "BER".

WRBIEL is registered in England & Wales under Company Number 4681277 with its Registered Office at 2nd Floor, 40 Lime Street, London EC3M 7AW. Its VAT number is 815357723.

Further information may be obtained by emailing

Regulatory Information
WRBIEL is authorised and regulated by the United Kingdom Financial Services Authority (FSA) under Firms Registration number (FRN) 223981.

Further information concerning Financial Services Authority ('FSA') authorisation and regulation can be obtained from the FSA's Register (

Licensing Information
This website contains general information on WRBIEL and its products and services and this website and its contents are not intended to constitute investment or other advice (nor any solicitation to participate in investment or other business) in any country in the world. As an authorized Insurance Company in the United Kingdom, WRBIEL is licensed or otherwise approved to transact insurance and/or reinsurance business in various countries in respect of various classes of Non-life insurance business.

WRBIEL is not licensed or otherwise authorised to conduct business in the United States and does not directly engage in or transact business in the United States through this web website or otherwise. In certain countries, persons who are not US nationals or US corporations and their representatives may be able to transact insurance with WRBIEL through web websites that are accessible through this web website. Certain products and services described on this web website are not available to all users due to insurance regulatory restrictions.

Enquiries as to insurance or other products or services from US residents should be directed to an insurance agent or broker licensed to conduct business in the relevant US state and, without prejudice to the foregoing, anyone requiring further information about an insurer's ability to do business in the USA and US territories should contact an appropriate insurance intermediary for advice.

Intellectual Property Information
The "[Owl with a b]" device is a Registered Trade mark of W. R. Berkley Corporation.

Any product or service described in this web website is the subject of intellectual property rights owned by WRBIEL or another group company.

All intellectual property rights in any material (including text, photographs and other images and sound, trade marks and logos) contained in this website is either owned by WRBIEL or has been licensed to WRBIEL by the rights' owner(s) so that WRBIEL can use this material as part of its website. You are only allowed to use this website and the material contained in the website as set out in these terms.

Copyright in the whole and every part of this website belongs to WRBIEL, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in any media by any person without the prior written consent of WRBIEL.

"Safe Harbor" Statement
This report may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. This is a "Safe Harbor" Statement under the Private Securities Litigation Reform Act of 1995. Any forward-looking statements contained herein, including statements related to our outlook for the industry and for our performance for the year 2007 and beyond, are based upon the Company's historical performance and on current plans, estimates and expectations. The inclusion of this forward-looking information should not be regarded as a representation by us or any other person that the future plans, estimates or expectations contemplated by us will be achieved. They are subject to various risks and uncertainties, including but not limited to, the cyclical nature of the property casualty industry, the long-tail and potentially volatile nature of the reinsurance business, product demand and pricing, claims development and the process of estimating reserves, the uncertain nature of damage theories and loss amounts, the increased level of our retention, natural and man-made catastrophic losses, including hurricanes and as a result of terrorist activities, the impact of competition, exposure as to coverage for terrorist acts, our retention under The Terrorism Risk Insurance Act of 2002, as amended ("TRIA"), the availability of reinsurance, the ability of our reinsurers to pay reinsurance recoverables owed to us, investment risks, including those of our portfolio of fixed income securities and investments in equity securities, including merger arbitrage investments, legislative and regulatory developments, including those related to alleged anti-competitive or other improper business practices in the insurance industry, exchange rate and political risks relating to our international operations, changes in the ratings as signed to us by rating agencies, the availability of dividends from our insurance company subsidiaries, our ability to successfully acquire and integrate companies and invest in new insurance ventures, our ability to attract and retain qualified employees, and other risks detailed from time to time in the Company's filings with the Securities and Exchange Commission. These risks could cause actual results of the industry or our actual results for the year 2007 and beyond to differ materially from those expressed in any forward-looking statement made by or on behalf of the Company. Any projections of growth in the Company's net premiums written and management fees would not necessarily result in commensurate levels of underwriting and operating profits. Forward-looking statements speak only as of the date on which they are made, and the Company undertakes no obligation to update publicly or revise any forward-looking statement, whether as a result of new information, future developments or otherwise.

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