We suggest that you read the following terms and conditions carefully before using this website

1. Introduction

1.1 This website libertyspecialtymarkets.com (the “Site”) is operated for and on behalf of Liberty Managing Agency Limited , Liberty Mutual Insurance Europe SE, Liberty Specialty Markets Europe S.à r.l., Liberty Specialty Markets Europe Two S.à r.l., Liberty Specialty Services Limited, Liberty Specialty Markets MENA Limited, Liberty Specialty Markets Bermuda Limited and Liberty Specialty Markets Agency Limited together trading as Liberty Specialty Markets® and Liberty Mutual Reinsurance® (“Liberty”, “we” or “us”). These Terms and Conditions of Use including the Cookie and Privacy Policy (“Terms”) set out the rights and obligations of users of the Liberty website libertyspecialtymarkets.com (“Website”).

1.2 In consideration of Liberty providing access to the Website, all use of the Website is subject to the Terms. By accessing the Website you are deemed to understand and accept the Terms without limitation or qualification. If you do not accept the Terms, you should immediately stop using the Website.

1.3 Liberty reserves the right to vary the Terms and such variations will take effect immediately upon being posted on the Website. If you continue to use the Website, you are deemed to accept any variations.

1.4 Liberty reserves the right to withdraw or modify any aspect of the Website without notice for whatever reason, whether legal, technical or otherwise.  We will not be liable if for any reason the Website is unavailable at any time or for any period.

2. No Offer to Sell/Solicitation

The information contained in this Website is for general education only and 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 summary outline of the products and services available from Liberty and are not intended to be comprehensive. The products and services described in this Website may not be available in all jurisdictions. Detailed information on any product or service is available upon request. For coverage specifically applicable to your business please contact your registered insurance broker. 

3. Representations and Warranties

3.1 By accessing the Website you agree that you will be responsible for all content and data you post on the Website and you accept that as a condition of the access provided to the Website you will not post or transfer any message that is defamatory, obscene, illegal, in breach of copyright or other intellectual property right, or damaging to data, software or the performance of the recipient computer system or which is otherwise in breach of any third party right.

3.2 You agree not to seek to amend anything on the Website or include or create any link to the Website without Liberty’s express written consent.  You must not seek to introduce any computer virus (including any variant or similar code or instructions) to the Website, nor deliberately seek to prevent or hinder the Website’s usual operations in any manner whatsoever. You also agree not to attempt unauthorised access to the Website or the server on which the Website is stored nor cause any damage.

3.3 You agree not to remove or change any copyright, trademark or other intellectual property notices contained on any material copied or printed off the Website, or to use such materials for a purpose not envisaged by the Terms.

4. Intellectual Property

4.1 All patents, registered designs, registered trade marks and any applications for such registered rights, copyright, database rights, unregistered design rights, unregistered trade marks, trade or business names (including internet domain names) and all other rights of a similar nature as in each case may exist in and relating to Liberty and the Website anywhere in the world are owned by Liberty, its affiliates or third parties and will remain vested in them.  All such rights are reserved. Your use of our intellectual property rights is strictly prohibited except as provided herein.

4.2 You may copy content from the Website for your personal non-business purpose only but you must not copy content, or distribute, show in public or create any derivative work from the Website for any other public or commercial purpose without Liberty’s prior written permission.

4.3 Liberty neither warrants nor represents that your use of the material displayed on the Website will not infringe rights of third parties.

5. Our Website Changes Regularly

We aim to update our Website regularly, and may change the content at any time. If the need arises, we may suspend access to our Website, or close it indefinitely. Any of the material on our Website may be out of date at any given time, and we are under no obligation to update such material. 

6. Privacy and Security

6.1 Although our security efforts are consistent with insurance industry practice, your complete privacy, confidentiality and security is not yet possible over the Internet and therefore cannot be guaranteed. If you have reason to believe that your interaction with us is no longer secure, please notify us immediately.

6.2 Liberty processes information about you in accordance with our Cookie and Privacy Policy [ insert hyperlink to his policy].  By using our Website, you consent to such processing and you warrant that all data provided by you is correct. 

7. Information Accuracy

7.1 Liberty believes to the best of its knowledge, that the information contained in this Website was accurate at the time it was placed on the Website. However, this information is subject to update or change at any time without prior notice. Liberty does not endorse, approve or certify any material or information on the Website as true or accurate, nor does it guarantee the completeness, efficacy or timeliness of such material and information.  Reference to any product, process or service does not constitute nor imply endorsement or recommendation from Liberty unless expressly stated.

7.2 The information found on this Website is not intended to provide you with legal, insurance, financial or other advice or intended to deal with your particular requirements and Liberty shall not be responsible for any detrimental reliance you place upon this Website or its contents. Use of this Website shall be on an “as is” basis and entirely at your own risk. 

8. Links to Other Websites

8.1 At certain places on the Website, hypertext links may be provided for your convenience to enable any person accessing the Website to directly access third party websites which contain material or information created, published and maintained by organisations independent of Liberty. Liberty does not endorse, approve, certify or control such external websites, nor any product or service referred to on them and does not guarantee the accuracy, completeness, efficacy, or timeliness of any material and information appearing on such websites.

8.2 Liberty assumes no responsibility for any consequences resulting from the use of any material and information contained on its Website or on any linked third party websites and expressly disclaims all liability for damage arising out of the use, reference to, reliance upon or performance due to such information.

9. Limitation of Liability 

9.1 The material displayed on our Website is provided without any guarantees, conditions or warranties as to its accuracy.  To the extent permitted by law, Liberty, its affiliated companies, its officers, directors, agents or employees, or any other person associated with the creation of this Website, shall not be liable or responsible to persons accessing the Website or any third party for any harm, loss or damage whether arising in contract, tort (including negligence) or otherwise, even if foreseeable, that may arise in connection with any use of or inability to use this Website, any websites linked to it and any materials posted on it, including any direct, indirect, special, third party or consequential loss or damages.

9.2 Liberty will not be liable for any failure to perform its obligations under the Terms caused by matters beyond its control, howsoever arising.

9.3 Liberty, its parent, subsidiaries and affiliated companies (“Liberty Mutual”) make no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable or are free from errors, inaccuracies or typographical mistakes. Liberty Mutual does not warrant that the Website will operate error free or is free from viruses, worms, trojan horses or other destructive or harmful code. Liberty Mutual also 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 Website or your downloading of any materials, data, text, images, video or audio from this Website 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.

9.4 Nothing in the Terms limit Liberty’s liability for death or personal injury resulting from Liberty’s negligence, for fraud or fraudulent misrepresentation, or any other liability which may not be lawfully excluded.

10. Severability

In the event that any term of the Terms is held to be invalid or unenforceable by a court of appropriate jurisdiction, the remaining terms shall remain valid and enforceable.

11. Jurisdiction

We make no representation that content or materials on the Website are appropriate or available for use in other jurisdictions. If you choose to access this Website from other jurisdictions, you do so at your own risk and you are responsible for compliance with applicable local laws. To the fullest extent permissible at law, we are not responsible for any violations of local law. The Terms shall be governed by and construed in accordance with the laws of England.

12. Language

In the event of any conflict or inconsistency between the terms of the English version of the Terms and any translation, whether provided by Liberty or otherwise, the English version of the Terms shall prevail.

13. Insurance

All insurance is subject to limitations and exclusions contained in the relevant policy or certificate provided when the particular insurance cover is issued.

14. Trademarks

Liberty Specialty Markets, Liberty Syndicate Management, Liberty Syndicates, Syndicate 4472, and Liberty Corporate Capital are UK registered trademarks, used under licence of Liberty Mutual Insurance Company, the registered proprietor.

15. Alerting Liberty

If you have any questions about this Website, the Terms, any Liberty insurance products or services, or see anything on the Website which appears to infringe the Terms, please contact the General Counsel, Liberty Specialty Markets, 20 Fenchurch Street, London EC3M 3AW.

Last updated: April 2020