# Liberty International Insurance
Liberty International Insurance is Liberty Mutual’s international insurance business outside North America, providing commercial, specialty, and personal insurance solutions across global markets. It operates through two primary brands: “Liberty Specialty Markets”, serving customers in Europe, the UK, MENA, and Latin America; and “Liberty”, serving customers across the Asia Pacific region. 

## Details
- **Parent Organization:** Liberty Mutual Insurance Group (A mutual insurance company). 
- **Global Presence:** Operating in over 20 countries with approximately 50 worldwide offices.
- **Key Regions:** Asia Pacific, UK & MENA, Europe, and Latin America.
- **Target Audience:** Commercial insurance brokers, retail insurance brokers, corporate risk managers, insurance buyers, distribution partners, transactional partners, existing customers, prospective customers, and job seekers.

## Claims Services
Liberty International Insurance provides claims management services across personal, commercial, and specialty insurance lines. Claims teams work closely with underwriting, risk engineering, and other specialist functions to deliver responsive, reliable, and customer-focused claims outcomes across global markets.

## Careers

Liberty International Insurance employs insurance, underwriting, claims, risk engineering, technology, operations, finance, and corporate services professionals across its international markets. The company promotes flexible working, professional development, diversity and inclusion, and employee wellbeing through a supportive and collaborative workplace culture.


## Core Insurance Products

### 1. Individual & family
- **Family & Home:**  Insurance for your home, domestic staff, helpers and pet cover.
- **Medical:** Surgical, hospital, diagnostics, emergency outpatient and ambulance cover.
- **Personal Accident:** Senior care, family cover, worldwide protection and medical expenses. 
- **Travel & Leisure:** Golf, overseas student and travel cover.
- **Vehicle & Motor:** Electric, private motor and motorcycle cover.

### 2. Small Medium Enterprise (SME) business
- **Employee Benefits:** Corporate travel, critical illness, group medical and accident cover.
- **General Insurance:** Property, public liability, guarantees and employee compensation cover for SMEs.
- **Insurance Packages:** SME insurance packages for beauticians, shops, clinics and cafes.

### 3. Commercial 
- **Property & Casualty (P&C):** Protection against catastrophe, industrial hazards, operational downtime, liability claims, and industry-specific risks.
- **Professional & Financial Lines:** Coverage including cyber liability, professional indemnity, directors' and officers' liability (D&O), and other financial lines products.
- **Marine & Surety:** Global cargo, hull liability, and alternative bank-guarantee surety bonds.
- **Energy & Construction:** Specialty insurance products and services for the oil & gas, petrochemical and chemical industries. 

### 4. Industry sectors 
- **Construction & Infrastructure:** Cross-line risk solutions covering delay in start-up (DSU), cargo transport, and civil works.
- **Financial Institutions:** Insurance for banks, wealth managers, private equity and venture capital firms.
- **Energy:** Midstream, downstream, and renewable energy underwriting capabilities.
- **Life Sciences:** Insurance for biotech, vitamins, lab equipment, medical devices, diagnostics.

## Regional Frameworks & Subdomains
- **Asia Pacific: ** Features a consolidated operational model across Singapore, Hong Kong, Malaysia, China, India, and Australia, offering unified personal and commercial lines.
- **UK & MENA: ** Headquartered in London (operating via company markets and Lloyd's syndicates) alongside a regional office in Dubai managing facultative reinsurance.
- **Europe:** Multi-lingual hubs in 8 countries (including Germany, France, Italy, Spain, and the Benelux region) underwriting over 20 specialty lines.
- **Latin America: ** Strategic commercial hubs based out of Miami, Bogotá, and Boston managing Latin American corporate distribution.

## Key Resources & Tools (replicate per market)
Australia
- [All Insurance Products](https://www.libertyinternational.com/au/products/all-insurance-products) - Exhaustive directory showcasing the breadth of Australian specialist insurance solutions available across key business lines
- [Risk Engineering](https://www.libertyinternational.com/au/product/making-sense-of-risk) - This section contains a representative example of Liberty International Insurance’s risk engineering capabilities.
- [Office Locations](https://www.libertyinternational.com/au/location-and-offices/australia) - Directory of regional corporate offices and contact phone numbers
- [Our Team & Leadership](https://www.libertyinternational.com/au/about-us/our-people) - Regional points of contact across underwriting, claims, and business development executives.