Terms & conditions
This Site is owned and operated by Liberty International Underwriters (LIU), which is a trading name of Liberty International Underwriters Limited (No. 2400200), incorporated in Hong Kong, Liberty International Underwriters Pte Limited (UEN 201538069C) (LIU Singapore), a Singapore incorporated company, and Liberty Mutual Insurance Company (LMIC), a U.S incorporated company. LIU operates in Hong Kong and Labuan (Malaysia) as branches of LMIE and is authorised by the Office of the Commissioner of Insurance (HK) and the Labuan Financial Services Authority (MY) to conduct general insurance business within those respective countries. LIU Singapore is authorised by the Monetary Authority of Singapore (MAS) to conduct general insurance business within Singapore. LIU in Australia operates under LMIC and is authorised by the Australian Prudential Regulation Authority (APRA) to write general insurance business in Australia. LMIE, LIU Singapore and LMIC are members of the US-based Liberty Mutual Group (LMG).
The expressions "we", "us", "our" and "ours" when used herein mean LIU. The expressions "you", "your" and "yours" when used herein include any company or business with which you are associated and on behalf of which you use this Site.
No Offer to Sell / Solicitation
The Information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service. Product descriptions are provided only as a basic outline of the products and services available from LIU and are not intended to be comprehensive. Detailed information on any product or service is available upon request. For coverage specifically applicable to your business please contact your licensed insurance broker.
All insurance is subject to the full terms, conditions, limitations and exclusions contained in the policy provided when the insurance is issued.
The information contained in this Site is provided for general information purposes, and must not be used or reproduced for commercial purposes. To the extent permitted under applicable law, this Site is provided "as is" and "as available" and without warranties of any kind. To the fullest extent permissible under applicable law, LIU specifically disclaims all warranties, directly or indirectly, arising from or in connection with services provided on, or accessible from this Site, express or implied, including without limitation the warranties of merchantability, fitness for a particular purpose, and non-infringement. If, under applicable law, LIU is not permitted to exclude such provisions but is entitled to limit its liability, then LIU limits its liability to the maximum extent permitted under applicable law.
LIU makes no representation or warranty whatsoever regarding the completeness, accuracy, correctness, integrity, reliability, currency, adequacy, suitability, functionality, availability, or operation of this Site or the content or services provided on, or accessible from, this Site. LIU does not warrant that the operation of this Site will be uninterrupted or error-free, that defects will be corrected, or that this Site or the server that makes it available are free of viruses or other harmful components.
LIU assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in this Site or your downloading of any materials, data, text, images, video, or audio from this Site or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.
Limitation of Liability
To the fullest extent permitted under applicable law, in no event will LIU or its related companies and associated entities be liable for any direct, indirect, special, incidental, or consequential damages arising out of or in connection with the use or inability to use this Site (or the content or services provided on, or accessible from, this Site), or otherwise, even if LIU has been advised on the possibility of such damages. Neither LIU, nor its related companies, will be liable for the completeness, accuracy, correctness, integrity, reliability, currency, adequacy, or suitability of the content or services provided on, or accessible from, this Site.
Within this Site, you may see links or references to other web sites. When you click on one of those links, you may be transferred to another web site that is not under LIU's control. LIU does not endorse, and is not responsible for, the content (including software downloads), performance, accessibility, and privacy practices of any web sites linked to this Site. LIU encourages you to read the copyright, privacy and other legal statements of these linked web sites as their policies may differ from ours. You are solely responsible for any interactions you may have with such web sites.
Links to this Site should not be made without the permission of LIU. Please direct your linking request to: APEnquiry@libertyiu.com.
Changes and Availability
The information on this Site has been compiled from a variety of sources and is subject to change without notice. Like other web sites, this Site may be temporarily unavailable from time to time due to mechanical, telecommunication, software, hardware, and third-party vendor failures. LIU cannot predict or control when such down time may occur and cannot control the duration of such down time.
Governing Law and Forum
Copyright and Trademark Information
All textual, graphical, and other content ("Content") appearing on this Site is the property of LIU, its related companies, or their respective licensors. All copyrights and other intellectual property rights in the Content of this Site are reserved to LIU and its licensors. The Site and its Content are provided for lawful purposes only.
Liberty International Underwriters and Device, Liberty Mutual and Device, Liberty and LIU, including the trademarks set out below, are all registered trademarks of Liberty Mutual Insurance Company. All brand, product, service, and process names appearing on this Site are trademarks of LIU, its related companies, or as otherwise expressly specified. Reference to or use of a brand, product, service, or process does not imply recommendation, approval, affiliation, or sponsorship of that brand, product, service, or process by LIU. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any licence or right under any patent, copyright, trademark, or other intellectual property right of LIU or any third party, except as expressly granted herein.
Last Updated January 2016.