Cookie Policy May 2026

Cookie Policy – ERS

Introduction.

This cookie policy explains how IQUW Syndicate Management Limited (“we”, “us”, “our”) uses cookies and similar technologies on our website.

IQUW and ERS are now part of Starr. Starr is the global marketing name for the insurance and travel assistance companies of Starr International Company, Inc. and investment business of C. V. Starr & Co., Inc. and their subsidiaries.’

What are cookies?

A cookie is a small file of letters and numbers which may be stored on your browser or the hard drive of your computer (or any other electronic device) when you access a website.

How do we use cookies on our website?

We use cookies and similar tracking technologies on our website for our own internal purposes to track how visitors navigate through the website to enable us to evaluate and improve the website and our online services.

We also use cookie technology to ensure that, where you have registered for any of our online services, we maintain your confidentiality and security as you move through secure, or password protected areas of the website.

In addition, to evaluate the effectiveness of our advertisements and promotions on selected third-party websites, we may (together with the third-party agents who help manage our online advertising) use cookies to measure response rates to our advertisements and promotions, and to pre-fill online forms to enhance your experience of the website.

We do not use cookies to track your use of the Internet after leaving the website, nor will we pass on any cookie-derived information to third parties other than as set out in this Cookie Policy. We may collate the statistical data compiled in respect of use of the website with statistical data similarly compiled in respect of other websites operated by other companies in the IQUW Group in order to facilitate group-wide evaluation and improvements.

Which cookies do we use on our website?

We use the following types of cookies:

• Strictly necessary cookies. These are cookies that are required for the operation of our website. They enable core functionality such as security and accessibility. Without these cookies, services you request cannot be provided. They include, for example, cookies that enable you to log into secure areas of our website.
• Analytical or performance cookies. These allow us to recognise and count the number of visitors and gather information about how visitors interact with the site. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
• Marketing and Advertising cookies. They are used to deliver relevant advertisements, enable personalised marketing campaigns, track the effectiveness of marketing campaigns, and improve user engagement. These cookies may be set through our site by our advertising partners.

Some of the cookies we use are temporary and only remain in the cookie file of your browser until you leave the website. Other cookies remain in the cookie file of your browser for a longer period.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

Cookie Name	Purpose	Reason	Essential	Duration
CraftSessionId	Relies on PHP sessions to maintain sessions across web requests. That is done via the PHP session cookie. Craft names that cookie “CraftSessionId” by default, but it can be renamed via the phpSessionId config setting. This cookie will expire as soon as the session expires.	Strictly necessary	Yes	Session
*_identity	When you log into the Control Panel, you will get an authentication cookie used to maintain your authenticated state. The cookie name is prefixed with a long, randomly generated string, followed by _identity. The cookie only stores information necessary to maintain a secure, authenticated session and will only exist for as long as the user is authenticated in Craft.	Strictly necessary	Yes	Persistent
*_username	If you check the "Keep me logged in" option during login, this cookie is used to remember the username for your next authentication.	Strictly necessary	Yes	Persistent
CRAFT_CSRF_TOKEN	Protects us and you as a user against Cross-Site Request Forgery attacks.	Strictly necessary	Yes	Session
__stripe_mid	Provides fraud prevention.	Strictly necessary	Yes	One Year
__hstc	The main cookie for tracking visitors. It contains the domain, hubspotutk, initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session).	Strictly necessary	Yes	Six months
hubspotutk	This cookie keeps track of a visitor's identity. It is passed to HubSpot on form submission and used when deduplicating contacts. It contains an opaque GUID to represent the current visitor.	Strictly necessary	Yes	Six months
__hssc	This cookie keeps track of sessions. This is used to determine if HubSpot should increment the session number and timestamps in the __hstc cookie. It contains the domain, viewCount (increments each pageView in a session), and session start timestamp.	Strictly necessary	Yes	Thirty minutes
__hssrc	Whenever HubSpot changes the session cookie, this cookie is also set to determine if the visitor has restarted their browser. If this cookie does not exist when HubSpot manages cookies, it is considered a new session. It contains the value "1" when present.	Strictly necessary	Yes	Session
_ga	The _ga cookie, installed by Google Analytics, calculates visitor, session and campaign data and also keeps track of site usage for the site’s analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognise unique visitors.	Statistics	No	Two years
_ga_*	A variation of the _ga cookie set by Google Analytics and Google Tag Manager to allow website owners to track visitor behaviour and measure site performance. The pattern element in the name contains unique identity number of the account or website it relates to.	Statistics	No	One minute
_gid	Installed by Google Analytics, _gid cookie stores information on how visitors use a website, while also creating an analytics report of the website’s performance. Some of the data that is collected include the number of visitors, their source, and the pages they visit anonymously.	Statistics	No	One day
_gat	Reads and filters requests from bots, used to limit the amount of data recorded by Google on high traffic volume websites.	Statistics	No	One minute
_hjDonePolls	Set when a user completes an online survey. Ensures the same survey does not reappear if it has already been filled in. List of survey IDs, URL encoded.	Statistics	No	One year
_hjMinimizedPolls	Set when a user minimises an on -site survey. Ensures that the survey stays minimised when the user navigates through the site. List of survey IDs, URL encoded.	Statistics	No	One year
_hjSession_*	Holds current session data. Ensures subsequent requests in the session window are attributed to the same session.	Statistics	No	Thirty minutes, extended on user activity
_hjSessionUser_*	Set when a user first lands on a page. Persists the Hotjar user ID which is unique to that site. Hotjar does not track user across different sites. Ensures data from subsequent visits to the same site are attributed to the same user ID. JSON data type.	Statistics	No	One Year
_fbp	This cookie is set by Facebook to display advertisements when either on Facebook or on a digital platform powered by Facebook advertising , after visiting the website	Marketing	No	Three months

Third-Party Cookies

We work with third party suppliers who may also set cookies on our website. These third-party suppliers are responsible for the cookies they set on our site. We ensure that all third-party providers comply with the applicable data protection laws.

If you want further information, please go to the website for the relevant third party.

You will also find additional information below:

Hubspot – a third-party supplier we use to create websites, uses cookies to measure response rates to promotions and to pre-fill online forms based on information you have provided on previous visits to our site, to make your browsing experience more convenient.

LinkedIn – which generates a cookie in the browsers of LinkedIn members who visit our website. This enables LinkedIn to collect information (such as your IP address) about its members’ visits to our website. LinkedIn provides us with reports (which do not identify members) about our website audience which we may use to retarget website visitors with advertisements on LinkedIn.

What is the nature of the cookie-derived information we collect?

The information we obtain from our use of cookies will contain your personal data. We may obtain information about your computer such as your browser and/or other internet log information.

Hubspot - The information obtained by Hubspot may include personal data such as your name, email address and telephone number.

LinkedIn - The information obtained by LinkedIn may include technical personal data such as your IP address, and device and browser characteristics (User Agent).

Legal basis for using Cookies

Strictly necessary Cookies: Legitimate Interests, since they are required for the website functionality

All other cookies : Your Consent

There is a notice on our home page which allows you to accept those cookies that you are happy for us to use for the purposes described in this Website Cookie Policy.

How to turn off cookies

You can block cookies by selecting ‘reject all’ (other than strictly necessary cookies) when entering the website and navigating the cookie pop-up.

You can also block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you block all cookies (including essential cookies) you may lose some of the functionality of this website.

Data Retention

Cookies are stored for different periods of time depending on their purpose. Session cookies are deleted once you close your browser while Persistent cookies remain on your device for a set period of time or until manually deleted.

Specific retention periods for cookies are available in the table above.

Further Information

For further information about cookies and how to disable them please go to the Information Commissioner’s webpage on cookies: Cookies | ICO

If you have any questions about this Cookie Policy, please contact:

Anthony Davies, Data Protection Officer, 30 Fenchurch Street, London, EC3M 3BD

Email: dpo@iquw.com