"Helping people live safer, more secure lives" since 1912

Liberty Mutual Group

Boston-based Liberty Mutual Insurance Group is a diversified global insurer.

By measure of direct written premium in 2013, as a Property and Casualty insurer, Liberty Mutual Group ranks

# 3 in the US

# 5 internationally

The Group ranks in the the Fortune 100 list of largest corporations in the U.S.

Today, Liberty Mutual Insurance Group is a diversified international insurance group, employing over 50,000 staff in more than 900 offices around the world.

Liberty International

Liberty International comprises country operations in Asia, Europe, and Latin America, which provide personal and small commercial insurance products.

In each market it operates, Liberty International is focused on becoming the premier provider of personal and small commercial insurance products and services.

Liberty Insurance in Hong Kong

Liberty International Insurance Limited in Hong Kong is a 100% owned subsidiary of the Liberty Mutual Insurance Group. Liberty in Hong Kong first started as OTB Assurance Ltd in 1973.

In November 1999, Liberty Mutual Insurance Group acquired 70% shares of the company and was renamed as "Liberty International Insurance Limited". In 2003, the Group took over the remaining 30% shares.

Today, we offer a wide range of insurance products and services for individuals and corporations, including private motor, individual and group Life and Medical, office and shop packages, etc. Today in Hong Kong, Liberty International is one of the top 10 Medical insurance providers and one of the top 20 Property and Casualty insurers.

Liberty Privacy Policy

Liberty provides motor insurance for two distinct market segments in Hong Kong

Not only does it offer standard motor policy in line with others, but it also provides a product called "Liberty Privilege", a pioneering insurance product that is designed to cover vehicles worth over HK$1,000,000.

Private Motor

The standard Motor Policy, called simply 'Private Motor' is available as a policy covering the compulsory Third party injury (to HKD100m) requirements and additionally covering damage to your own vehicle by way of a "Comprehensive" policy.

The differences are as highlighted below:

Third Party cover Comprehensive cover
Loss or damage to motor vehicle
Third Party Liability (HK only)
Medical expense of insured drivers
No Claim Discount (NCD)
No Claim Discount Protection
Free Windscreen benefit
24-Hour Emergency Towing / Roadside Service – HKSAR only
Temporary Substitute Vehicle Benefit
Driver’s Life Protection
New for Old Replacement Vehicle Benefit (for brand new car)

Private Motor Documents

Click here for a quote request

Liberty offers medical plans designed for both the Individual and group markets.

Individual Medical

ProMedico: This is Liberty's high end medical plan that has been in the market for over 15 years.

Key Features are:

  • Fully covered for Surgical Fee, Consultation Fee, Hospital Charges, etc.
  • Oncology Treatment is fully covered including Target Therapy, Radiotherapy and Chemotherapy
  • Flexible options with deductible and a high limit of millions of US dollars
  • Guaranteed life time renewable up to age 100 with pool rating and coverage Cashless hospitalization arrangement
  • Optional Benefits for Outpatient, Dental and Maternity Care
  • Free choice of doctors for both hospital and outpatient 24-hour worldwide emergency medical transportation and assistance
  • Worldwide cover except for residents of USA/Canada
Economy Executive International International Plus
Overall Annual Limit US$125,000 US$300,000 US$1,500,000 US$3,000,000
Deductible Options
(1) NIL (1) NIL
(2) US$ 5,000 (2) US$ 5,000
(3) US$ 8,000 (3) US$ 8,000
Hospital Charges Fully covered Fully covered Fully covered Fully covered
Oncology Treatment Fully covered Fully covered Fully covered Fully covered
Pre & Post Hospitalization Treatment Fully covered Fully covered Fully covered Fully covered
Day Case Treatment US$6,000 Fully covered Fully covered Fully covered
Cashless Hospitalization Arrangement Included Included Included Included
Out-patient Services US$ 5,000 / US$ 10,000 Fully covered
Optional Dental Care US$ 1,000
Optional Maternity Care First Year Overall Limit – NIL
Second Year Overall Limit – US$5,000
Third Year & there after Overall Annual Limit – US$10,000
Group Medical
Liberty has a number of products in the Corporate Health Market.
At the higher end we have Liberty 'Pro' and at the lower end, "Easycare"
Liberty Pro
Liberty’s Pro Plan is a full refund high lump sum per year benefit limits in USD or HKD. It is designed for international employees, expatriates or senior executives to enjoy premier cover and high quality services.
Key Features of Liberty Pro
  • Cover Options from USD1m to USD3m +
  • Full cover for Surgical Fees, Consultation Fees, Hospital Charges, etc.
  • Oncology Treatment is fully covered, including:
    • Target Therapy,
    • Radiotherapy and
    • Chemotherapy.
  • Payment Guarantees to hospitals in Hong Kong and abroad
  • Optional Benefits for Outpatient, Dental and Maternity Care
  • Free choice of doctors for both hospital and outpatient
  • 24-hour worldwide emergency medical transportation and assistance
  • Option to tailor cover for such items as Vision Care, Wellness, etc.
Liberty’s EasyCare Plan is a packaged employee benefit plan offered to new start-up corporate businesses or small to medium enterprises – needing the convenience of basic medical dental and life cover all in one package
Key Features of Liberty EasyCare
  • Various benefit plan options of both hospital and outpatient plus dental The benefit limits can meet prevailing customary medical costs
  • Free choice of doctors and dentists
  • Full reimbursement or 80% reimbursed for cost control
  • Outpatient network credit card facility provided
  • Final Tribute Costs benefit to cover the funeral expenses
  • Optional life rider with Greater China Card Easy premium calculation with 2 age-band rates using the average age of all covered employees
  • Minimum group size: 2 employees
  • 24-hour worldwide cover Provide e-claim payment advice and online claim enquiry
  • Liberty Health Club member privileges on healthcare service discounts

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Service Improvements to Liberty Healthcare services

In early 2020, Liberty;

  1. Expanded its panel service to HMMP,
  2. Increased eClaim limit up to HK$3,000 and
  3. Optimised its pre-assessment service.

1. Expanded outpatient panel service to HMMP

Nearly 700 clinics run by Health Maintenance Medical Practice (HMMP) have been added to Liberty's panel doctor service. Check out their latest panel doctor list or search the nearest doctors in the Liberty HK app (Android | iOS).

2. Increased eClaim limit up to HK$3,000

Liberty's clients can now submit their outpatient and dental claims up to HK$3,000 per claim through the Liberty HK app (Android | iOS) anytime anywhere. Any medical claims above HK$3,000, however still needs members to submit hard copies of the claim form and original claim documents.

3. Optimized Pre-assessment service
By comparing medical charges with data in Liberty's own database and elsewhere from the healthcare sector, Liberty's pre-assessment service ensures that the premium the employer pays for their employee benefits is well better used.

To apply the pre-assessment service, employers and employees can simply submit the treatment plan with a doctor’s quotation via the Liberty HK app (Android | iOS) or submit a pre-assessment form through to navigator.claims@navigator-insurance.com.

Liberty Executive motor product is called 'Privilege' and as its name infers, it is a motor policy with superior features and supporting service.

Liberty's target vehicles are high performance and prestige cars like:

  • Aston Martin
  • Audi
  • Bentley
  • BMW
  • Ferrari
  • Lamborghini
  • Lotus
  • Maserati
  • Mercedes Benz
  • Porsche
  • Rolls Royce
  • Tesla

Superior benefits of Liberty Privilege

  • Higher Third Party Property Damage Liability Limit - up to HK$5 million per event (normally just HK$2 million)

  • Higher No Claim Discount (NCD) Protection -up to HK$100,000 or 15% of Sum Insured whichever is the lesser

  • Higher Windscreen & Sunroof Cover - up to HK$20,000 per policy period

  • Loss of Personal Effects – to cover you in case of vehicle break-in - up to HK$20,000 per policy period (up to HK$5,000 per item)

  • Driver’s Life Protection - up to HK$100,000 per occurrence / per policy period

Privilege Motor Documents

Download all as zip

To learn more, contact Robin Brown - Tel 2530 2530

Liberty's Office Plus policy provides a package solution for offices, shops and businesses in general.

Components of the package are:

  1. "All Risks" protection for your Office Contents, including:
    • Landlord's fixtures and fittings for which you are responsible,
    • tenant's improvements,
    • trade samples and stock,
    • furniture,
    • office equipment,
    • employees' personal effects, etc.
  2. Increased Cost of Working: This section gives you protection for additional cost of carrying on your business after a loss payable under "Office Contents All risks" cover for a period up to 12 months. The sum insured automatically provided is HK$1,000,000 per occurrence / any one period of insurance. Time excess is 48 consecutive hours.
  3. Money and Assault: This section gives you protection against loss of money (cash, cheques, crossed cheques, money orders etc.) at Business Premises or in transit anywhere in the Hong Kong Special Administrative Region. The policy also covers loss of money in a bank night safe and damage to safes by theft or attempted theft.
  4. Public Liability: This section covers your legal liability in respect of compensation for third party bodily injury and or property damage arising in connection with the business operation and occurring within the Hong Kong Special Administrative Region. The Limit of Liability shall include all costs and expenses recovered by any claimant from the Insured and all costs and expenses incurred by the Insured with the written consent of the Company. Maximum limit is HK$10,000,000 per occurrence and unlimited any one period of insurance and with the following extensions:
    • Independent Contractor's Liability
    • Overseas Visits Clause
    • Tenant's Liability Clause
    • Food &/or Drinks Poisoning Clause
    • First Aid Clause
    • Welfare Social and Sports Club Clause

Optional Extensions:

  1. Employees' Compensation: This section covers your liability to employees in accordance with the Employees' Compensation Ordinance and Common Law, for injuries or death arising out of employment, up to HK$100 million per event and with the following extensions at no extra cost:
    • Meal and Lunch Time Clause
    • Emergency Transportation Clause
    • Extra-Ordinary Weather Conditions Clause
  2. Hospital Benefit Extension: HKD50,000 in hospital cover, reimbursed @ 80%

Better than no cover at all, but in practice this benefit would hardly last a night in a private hospital. Premium is age related and less than HKD2000 per employee per year.

Download all as zip

Liberty's Marine department provides cover for:

Marine cargo

Provides cover against loss of or damage to the cargo shipped by

  • water,
  • air or
  • land,

whether on domestic or international voyage.


Goods-in-transit insurance covers:

  • annual inland transit,
  • single journey for FOB shipment,
  • inland transit within Hong Kong as well
  • transit between Hong Kong and Guangdong Province.

Pleasure Craft

Under the merchant shipping ordinance as legalized by the HKSAR government, the owner of any pleasure craft used in the Hong Kong waters must insure his/her liability for death or bodily injury of any third parties with an authorized insurer for the minimum amount as required.

Pleasure craft insurance provides cover to third party risks only, or with the vessel's own damage on comprehensive cover.

claim details

underwriting details

comparison details

Term Life

Liberty offers yearly renewable, 5 years level, 10 years level and 20 years level term life insurance plans.

These plans are :

  • Guaranteed renewable
  • Low cost
  • Variable sum assured to suit your life stage needs
  • Available with a Total and Permanent Disability Benefit Rider
  • Include a Terminal Illness benefit equal to 50% of the Life Insurance benefit
Term Life
Entry Age 18-65
Maximum Insurable Age 99
Minimum Protection Amount HK$1,000,000 / US$125,000
Optional Total & Permanent Disablement Benefit Rider Yes

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Critical Illness

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Under Liberty's Voluntary Employee Benefits arrangement, staff can choose additional insurance products according to their own needs in addition to their existing level of employer sponsored benefits. These 'top up' options are normally more economical for the staff concerned than taking such cover as a single individual.

The main product / areas for cover to be provided staff are:

  • mediTop : A top up medical insurance that helps protect against inflation critical illness.
  • A top up major critical illness benefits to help cope with expensive oncology treatments.
  • A level premium term life : Providing high levels of basic term life cover on a low premium.

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Email: crew@navigator-insurance.com
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Navigator Insurance Brokers Ltd
Unit E, 8/F Golden Sun Centre
No. 59-67 Bonham Strand West
Sheung Wan, Hong Kong