We protect what matters.
As a mutual we take a long-term view and are wholly devoted to our policyholders and broker partners. We prosper together by unlocking opportunities with the aim of delivering shared success. Our mutual structure provides three key advantages:
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The benefits of insuring with a mutual
For mutual advantage
Profits are reinvested to build a secure future for our brokers and clients, the wider Liberty Mutual Group, our people, and the communities within which we live and work.
So what’s good for our clients, is good for us. We call it ‘for mutual advantage’.
Liberty insurance at a glance
Liberty unites global strength with local expertise. We’re proud of our worldwide reach, financial resilience, and strong local presence.
1912
$50B
9th
300
40,000
Liberty in Hong Kong
We provide reliable solutions for everyday personal needs and tailored solutions for complex, high value commercial, specialty and commercial risks, so you can meet today’s challenges and pursue tomorrow’s opportunities with confidence.
Frequently Asked Questions
Liberty is highly regarded for its global reach, financial strength, technically sophisticated underwriting, quality 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.
Liberty has a strong reputation for handling claims efficiently and fairly. Liberty’s clients and customers enjoy the peace of mind of being supported by strong financial ratings.
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.
Structured as a mutual, Liberty is ultimately owned by its policyholders, the customers who buy Liberty’s insurance policies. With no external shareholders, this means any profits made by Liberty are retained for strengthening the company’s capital position, reinvesting in the business, and improving pricing, coverage, and services for the benefit of all policyholders.
Liberty offers a comprehensive suite of personal insurance plans and commercial insurance products in Hong Kong. For individuals, key insurance plans include motor, travel, personal accident, and medical coverage. For businesses, commercial insurance products include specialised SME packages, employee benefits, marine cargo, and specialist risks for corporates. Liberty also offers treaty reinsurance services in Hong Kong.
Liberty achieves consistent global recognition and is regularly featured in international rankings and industry lists for financial strength, innovation and workplace quality. In 2026, Liberty was recognised with the Annual Outstanding International General Insurance Solutions Award at the Hong Kong Commercial Times Business Awards.
Liberty is highly recognised for its speciality commercial underwriting capability within key Asia Pacific markets, including Hong Kong.
Liberty’s Hong Kong operation is led by Cynthia Sze, who was appointed CEO in May 2026. With more than 25 years of regional industry experience across underwriting, distribution, and senior leadership roles in both commercial and personal lines insurance in Asia, Cynthia has strong technical expertise and a deep understanding of operating in the highly competitive Hong Kong insurance market. Cynthia reports to Matthew Jackson, the President of Liberty International Insurance for the Asia Pacific region.
Liberty is a leading insurer in Hong Kong across personal, SME and commercial lines, backed by diverse distribution network and speciality market presence. Liberty is also well known for its speciality commercial underwriting capability within key Asia Pacific markets, including Hong Kong.
You can buy Liberty's travel insurance, Drive to China motor insurance and overseas student insurance online. You can also apply directly for personal medical insurance. Tesla car owners can also purchase Liberty motor insurance designed exclusively for Tesla owners through the online InsureMyTesla portal. All other types of insurance can be placed through your insurance agent or broker.
Liberty stands apart from other Hong Kong insurers through its specialist commercial underwriting, strong globally backed balance sheet and depth of capability in writing complex regional risks. Liberty brings the underwriting, risk engineering and claims expertise required to act as the lead insurer for large and complex insurance programs in Hong Kong. Liberty’s stable mutual structure also means the business can prioritise long-term policyholder security over short-term profits.
Liberty insures individuals and SMEs, through to large corporates and multinationals across Hong Kong. Key commercial clients span construction, infrastructure, property, marine, cyber, energy, life sciences, financial institutions and M&A risk. Liberty also serves a large retail base in Hong Kong alongside roughly 80,000 people and business in Hong Kong.