Commercial claims

General Insurance

Our commitment to your claim

When complex losses occur, you need a partner who can act quickly, think technically and deliver commercial outcomes. Our commercial claims capability combines substantial risk appetite and generous global capacity with empowered local experts to resolve large, highvalue and technically demanding claims with speed, clarity and confidence.

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Integrated teams

 You get a single, aligned team of underwriters, risk engineers and claims specialists who work together from policy design through to settlement. 
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Early engagement

We engage at the outset to shape policy wording, define expectations and prepare for potential loss scenarios.
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Local authority, global resources

Local experts have decisionmaking authority and direct access to global technical resources, specialist adjusters and external experts as required. 
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Get in touch

Our approach is personal. If you are an insurance broker and think your client may have a claim, we encourage you to call or email a claims specialist from the relevant product line. We assign you a single point of contact– this helps us truly understand your clients and their business and makes claims resolution simpler and faster.

Contact usOur corporate claims team
Claims stat

The Liberty difference

We have the scale, appetite and expertise to support the most demanding risks. Backed by generous global capacity and strong financial ratings, our teams underwrite and settle exposures across sectors including energy, construction, marine, property, financial lines and specialty classes. That capacity lets us respond to large losses and complex claims without delay.

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Relationships matter

We do more than pay valid claims fairly and promptly. We build longterm partnerships, communicate clearly, engage early and act decisively to protect your business.

Claims+

At Liberty Specialty Markets, we view claims differently. We are driven by what the client wants to see, and believe that our claims service adds value throughout a relationship, not only at the point of claim. That’s why we apply Claims+. Tailored value-add services at pre-placement, post-placement, and post-loss stages.
Asia Pacific Claims+ Brochure
View our fact sheet explaining how our claims service adds value throughout a relationship, not only at the point of claim.
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  • "We are always excited to see Liberty in a tower program as their local relationships with carriers and coverage counsel alike and their proactivity are often integral to supporting (us) and the client to obtain consistency and market collaboration, with a focus on protecting shared interests in minimising large loss exposures."

  • “The timeframe that you have turned this around in is quite exceptional and I will be using you as an example next time I am complaining to (other) insurers about their constant hold-ups in paying claims.”

  • "We are pleased with Liberty’s claims service and the coordination and communication with everyone involved. In particular your proactive approach to communicating with the claimants and colleagues so they were kept constantly informed of developments along the way. We appreciate your support and how you served the client on this program."

  • “Instead of just denying the claim because of the misdeclaration of the cargo in the bill of lading, Liberty studied other options, understood the actual circumstances of the claim and came up with a win-win solution for both client and insurer. Other insurers would have just taken the easy way out and denied the claim.”

  • "A terrific example of collaboration from start to finish and the client is very pleased and looking forward to further defining the claims handling piece post renewal with Liberty."

  • “The client thanked the Liberty team for their input and took comfort from the fact that they are in good hands with Liberty’s claims team leading them through this open matter. They recognise Liberty has the engineering expertise to “talk their language” and understand their business.”

Property damage case study - Blooms The Chemist, Penrith

Property damage case study - Blooms The Chemist, Penrith

Fast track claims

Whether your claim is complex or straightforward, our goal is to resolve it as quickly as possible.

Liberty’s Fast Track is a service we have offered for eligible Commercial Property losses since 2016. Our Commercial Property team will triage your claim and if appropriate, work with you and your broker to resolve it as quickly and efficiently as possible.

Fast Track is another demonstration of our commitment to paying claims fairly and promptly – for Mutual Advantage.

Liberty Recovery Example

Recovering uninsured losses for a packaged food manufacturer

Recoveries

At Liberty, we have a dedicated Recoveries team that specialises in handling subrogated recovery actions.

We know that it takes a focused approach with expertise in recoveries. Ranging from simple through to complex recoveries, our recovery manager works closely with our claims and underwriting teams to deliver mutual advantage.

We’re always looking out for our client’s best interests; we attempt to recover uninsured losses and insured excesses. Better recoveries lessen the impact to the insured’s claims profile and assists to keep premiums at manageable levels.

Meet the claims team in Hong Kong

Click below to find contacts from across our Asia Pacific business.

Our claims specialists