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Terms & Conditions

Home>Terms & Conditions
​​​(Last Updated 03/19/2014)


Terms of Use

This website is maintained by Liberty International Underwriters. Liberty International Underwriters is the marketing name for the broker-distributed specialty lines business operations of Liberty Mutual Insurance. By using (the "Site"), you acknowledge that you have reviewed, and agree to be bound by, the following terms of use. If you do not agree to these terms of use, do not use this Site. These terms of use may be revised at any time by our updating this notice and posting them on our website. You are bound by such revisions if you continue to use the website after we have posted the changes. We suggest that you periodically review this page to review the most recent terms of use.

No Offer to Sell / Solicitation

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 Liberty International Underwriters and are not intended to be comprehensive. All insurance is subject to underwriting and coverage depends on the limitations and exclusions contained in the policy or certificate provided when the insurance is issued. Detailed information on any product or service is available upon request. For coverage specifically applicable to your business please contact your registered insurance broker.

Regulatory Information

Due to various insurance and regulatory restrictions, certain products described on this website may not be available to all users. Also, products may vary by jurisdiction and may not be offered by all of the Liberty International Underwriters companies. No insurance product is offered or will be sold by Liberty International Underwriters in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

Some policies may be placed with a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are not protected by such funds. Surplus lines coverage may only be obtained through duly licensed surplus lines brokers.

Copyright and Trademark Information

All textual, graphical, and other content ("Content") appearing on this Site is the property of Liberty International Underwriters, its related companies, or their respective licensors. All copyrights and other intellectual property rights in the Content of this Site are reserved to Liberty International Underwriters and its licensors. The Site and its Content are provided for lawful purposes only. You may use the Site's Content only as Liberty International Underwriters expressly permits. None of the Content on this Site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that (1) you are permitted to print one copy only of each page of this Site solely to facilitate your making contact with members of the Liberty Mutual Group and (2) authorized insurance brokers may use the Site's Content for their internal business purposes. Any copying or other unauthorized use of the Site's Content other than as expressly permitted by Liberty International Underwriters is a violation of these Terms of Use and will infringe the rights of Liberty International Underwriters and its licensors under international treaty and United States law. All brand, product, service, and process names appearing on this Site are trademarks of their respective holders. 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 Liberty International Underwriters. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, copyright, trademark, or other intellectual property right of Liberty International Underwriters or any third party, except as expressly granted herein.

Warranty Disclaimer

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, LIBERTY INTERNATIONAL UNDERWRITERS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Liberty International Underwriters 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. Liberty International Underwriters 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. Liberty International Underwriters 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 the web site or your downloading of any materials, data, text, images, video, or audio from this web 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 Liberty International Underwriters or any member of the Liberty Mutual Group 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 Liberty International Underwriters has been advised on the possibility of such damages. Neither Liberty International Underwriters nor any member of the Liberty Mutual Group 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 are transferred to another web site that is not under Liberty International Underwriters's control. Liberty International Underwriters 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. Liberty International Underwriters 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 the Site should not be made without the permission of Liberty International Underwriters. Please direct your linking request to:


Liberty International Underwriters reserves the right to monitor all activity on this Site and to notify the proper law enforcement officials if any suspicious activity is detected.

Governing Law and Forum

These terms of use shall be governed by and construed in accordance with the laws of the United States, without giving effect to any principles of conflicts of law. If any provision of these terms of use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms of use and shall not affect the validity and enforceability of any remaining provisions. Any controversy or dispute will be submitted, and you hereby irrevocably consent, to the personal jurisdiction of the federal courts of the Southern District of New York.


Your use of this Site is subject to the terms of the Site's Privacy Policy. The Privacy Policy explains what information Liberty International Underwriters may collect from you on our website and how we will use and protect your information. We do not collect any personally identifiable information on our website unless you provide it to us.


The term “Liberty International Underwriters” as used in these Terms of Use means:

  • Liberty Mutual Insurance Company (National Association of Insurance Commissioners (“NAIC”) Company Code 23043) is domiciled in the state of Massachusetts and is licensed in all states and the District of Columbia;
  • Liberty Insurance Underwriters Inc. (NAIC Company Code 19917) is domiciled in the state of Illinois and is licensed in all 50 states and the District of Columbia;
  • Liberty Surplus Insurance Corporation (NAIC Company Code 10725) is domiciled and licensed in New Hampshire.

The Liberty Mutual Group companies listed above have a principal place of business at 175 Berkley Street, Boston, Massachusetts, 02116. Each underwriting company of the Liberty Mutual Group is financially responsible for its own insurance products.

The websites of other Liberty Mutual subsidiaries and affiliates not listed above, and which may be hyperlinked to this website, contain separate Terms & Conditions for Use and separate Privacy Statements applicable to those websites. They can be reviewed on the subsidiary or affiliate specific website.

Terms & Conditions