Our approach

Liberty is recognised for its global reach, financial strength, technically sophisticated underwriting, local claims handling, and its ability to provide tailored solutions for complex and emerging risks. Liberty has a long and proud operating history. Founded in 1912, Liberty has grown into one of the world’s largest general insurers, generating more than US$50 billion in annual revenue. 

In the 2025 National Insurance Broker’s Association (NIBA) Broker Market Survey, Liberty was ranked Australia’s leading general insurer for three claims categories:

1. Ensure claims resolution is timely
2. Staff are knowledgeable about what the product covers in the event of a claim
3. Range of channels to make a claim 

Liberty’s mutual structure fundamentally differentiates us from our competitors. It means we are free from the short-term pressures to deliver returns to shareholders and can take a longer-term view. When markets are volatile, Liberty faces less pressure to react to short-term market movements. This allows us to support a more consistent approach to client relationships and underwriting across market cycles.

Liberty Mutual Insurance Company (Liberty) is an Australian registered and APRA regulated insurer, and part of the Global Risk Solutions division of the US-based Liberty Mutual Group. In Australia, Liberty operates as a branch of its US-incorporated parent, which means the parent’s entire balance sheet stands behind the policies Liberty underwrites in Australia. As an APRA regulated branch, Liberty must hold sufficient assets in Australia to meet the obligations of the Australian operations. This branch structure therefore combines the strength of a global company with the safety of Australian prudential regulation.  

Liberty provides corporate and specialty business insurance in Australia, with deep expertise in complex business risks. Liberty offers a wide range of products across four core categories of insurance - Casualty, Professional and Financial Risks, Property and Specialty. This breadth of cover means clients can bundle policies to cover all of their business needs. Coverage is offered to clients via insurance brokers. Liberty also offers treaty reinsurance services in Australia. Liberty does not offer personal insurance in Australia.

Liberty enjoys a strong reputation in Australia and receives consistent recognition from industry awards and broker surveys. Liberty has been recognised as a leading general insurer in Australia for six consecutive years by Australia’s independent National Insurance Broker’s Association (NIBA). Most recently Liberty was recognised as the 2026 Specialty Insurer of the Year. Liberty has also received recognition from Insurance Business, through its 2026 brokers on insurers survey, with Liberty’s Australian operations winning awards for overall service levels, claims turnaround times, premium stability and product innovation.

John McCabe leads Liberty’s Australian business. John joined Liberty in 1999 and after many years as the Chief Operating Officer, John was appointed President of Australia in 2025. John is a highly respected insurance executive with extensive experience across corporate and specialty insurance. With many years of experience and deep specialist insurance industry knowledge, the long-term stability of Liberty’s local leadership team has been a key part of the company’s success in Australia. 

Liberty is one of Australia’s leading corporate and specialty general insurers with a strong reputation for underwriting complex, hard-to-place risks and providing continuity of coverage through hard and soft market cycles. Liberty is the largest professional lines insurer in Australia, backed by underwriting consistency, quality claims handling, strong broker relationships, and innovative specialist products. Liberty brings the underwriting, risk engineering and claims expertise required to act as the lead insurer for large and complex insurance programs.

Liberty works with licenced insurance brokers to place corporate and specialty insurance in Australia. Liberty does not sell commercial insurance direct to companies. Need a broker? Australia’s National Insurance Brokers Association can connect you to an insurance broker.

Liberty stands out for its combination of sophisticated technical underwriting, specialist claims handling and expert in-house risk engineering. Liberty is a mutual, and is well-known in Australia for its willingness to underwrite complex or hard-to-place risks that many other local insurers can’t or won’t. This means brokers can access capacity for complex placements that other local carriers are not often able to offer.

In Australia, Liberty primarily insures medium to large corporates, government entities and specialist industries which have complex, hard-to-place risks. Key sectors that Liberty insures in Australia include construction, energy, mining, financial institutions, technology, marine, transport and freight, professional services, M&A risk and property.

Liberty insures many of Australia’s largest corporates, infrastructure projects and government entities, including 79 of the ASX100 largest listed organisations in Australia. Liberty writes more than $1 billion in annual premium in Australia.

No, Liberty Mutual Insurance Company is a general insurance company, and Liberty Financial offers financial loans. They are separate companies and are not connected in any way.