What Liberty Insurance does

Liberty Insurance, operating as Liberty Pte. Limited, is a licensed general insurer in Singapore and a wholly-owned subsidiary of Liberty Mutual Insurance Group, a US-based diversified insurance conglomerate ranked 9th largest property & casualty insurer globally with $50B consolidated revenue and 40,000 employees. Effective 1 January 2026, Liberty Insurance and Liberty Specialty Markets were merged under a single insurance licence at One Raffles Quay, unifying personal, SME, and commercial specialty underwriting under a single brand. The company protects more than 90,000 individuals and businesses across Singapore, segmenting horizontally into three customer tiers: Individual & Family (home, motor, health, travel, personal accident, pet, helper, golf, PMD, and Overseas StudentCare products), SME Business (commercial packages, business property, employees, fleet, group medical and personal accident, BizTraveler, and pleasure craft), and Commercial (casualty, cyber, D&O, financial risk solutions, fine art & specie, marine, M&A liability, product recall/crisis management, professional indemnity, property & energy, reinsurance, surety, war & terrorism, and risk engineering).

The core technology stack is a general insurance platform supporting underwriting, claims, and customer engagement across the multi-line portfolio, with two named digital partner portals—oneLiberty for agent/broker policy and application management, and oneService for partner enquiry and claims service. AI, ML, APIs, and SDKs are not disclosed as part of the current productised technology, and product descriptions characterise traditional underwriting and claims workflows rather than AI-driven automation. The company's go-to-market is a three-channel distribution model: licensed insurance agents via a formal recruitment program ('Join us as an agent'), insurance brokers serving commercial and complex-risk placements, and direct digital sales via the corporate website (notable for PetCare and TourCare travel products).

Commercially, Liberty Insurance generates revenue through recurring insurance premiums collected across policy terms on a quote-based pricing model tailored to risk profile, coverage type, and terms; pricing is not publicly disclosed. Customer concentration is dispersed across individual, SME, and commercial lines with no single dominant anchor. Recent strategic activity has centred on post-merger integration, leadership transition (Jimmy Tong appointed Singapore CEO effective 27 April 2026, subject to regulatory clearance), and the launch of two specialty commercial products in 2026—Fine Art & Specie (March 2026) and a dedicated Pharmaceutical Product Recall wording for Asia Pacific (June 2026).

Name

Liberty Insurance

Legal name

Liberty Pte. Limited

Website

https://libertyinsurance.com.sg

Company type

Private

Founded year

1912

Operating status

Operating

Headcount range

101–250 employees

Short description

Liberty Insurance (Liberty Pte. Limited) is a licensed Singapore general insurer and subsidiary of Liberty Mutual Insurance Group, offering personal, SME, and commercial specialty insurance products to over 90,000 individuals and businesses across Singapore following the January 2026 merger of Liberty Insurance and Liberty Specialty Markets.

Ownership category

akta.pro rank

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Insurance Premiums: Liberty Insurance generates revenue through collection of insurance premiums from policyholders across personal lines (home, motor, health, travel, pet), SME business insurance, and commercial general insurance products. Premiums are collected on a recurring basis aligned with policy terms.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Liberty Insurance is a licensed general insurer in Singapore that underwrites and distributes personal insurance (home, motor, health, travel, personal accident, pet), SME business insurance (commercial packages, property, employees, vehicles, marine, medical, group personal accident), and specialty commercial insurance (casualty, cyber, D&O, financial risk, fine art & specie, marine, M&A, product recall, professional indemnity, property & energy, reinsurance, surety, war & terrorism, risk engineering). The company distributes through licensed agents, insurance brokers, and direct digital channels.

Product overview

Liberty Insurance (Liberty Pte. Limited) is a licensed general insurer in Singapore operating under Liberty Mutual Insurance Group. The company offers a comprehensive insurance portfolio spanning three main segments: Individual & Family products (motor, home, health, travel, personal accident, pet insurance including PetCare, and specialized offerings like InsureMyTesla and TourCare travel insurance); SME Business products (commercial insurance packages, property, employees, vehicles, medical, and group personal accident coverage); and Commercial/ specialty products including casualty, cyber, directors & officers, financial risk solutions, fine art & specie, marine, mergers & acquisitions, product recall/crisis management, professional indemnity, property & energy, reinsurance, surety, war & terrorism, and risk engineering services. The company merged its Liberty Insurance and Liberty Specialty Markets operations in January 2026 under a single brand operating from One Raffles Quay, protecting over 90,000 people and businesses across Singapore.

Differentiator

Problem solved

Functional benefit

Products and services

• HelperCare Coverage for domestic helpers in Singapore, providing protection for employers against liabilities and expenses related to their helper.
• HomeCare Home insurance coverage protecting residential properties against damage, theft, and related risks for individuals and families.
• PetCare Singapore's first pet insurance policy providing comprehensive coverage for pet dogs and cats, covering medical and surgical expenses due to illness or accidents.
• proMediCare Medical insurance product for individuals providing coverage for healthcare expenses.
• proMediCash Medical insurance product providing cash benefits for hospitalisation and medical treatment.
• proMediCo Medical insurance product offering comprehensive healthcare coverage for individuals.
• FamilyCare Personal accident coverage for families, providing protection against accidental injury or death.
• Liberty Centennial PA Personal accident insurance offering coverage for accidental injuries and related expenses.
• PACare Plus Enhanced Enhanced personal accident insurance with comprehensive coverage for accidents.
• PASafe Personal accident insurance providing protection against accidental death and disability for individuals.
• SeniorCare Personal accident insurance designed specifically for senior citizens.
• GolfCare Specialized insurance coverage for golf-related risks including equipment, liability, and golfing accidents.
• Overseas StudentCare Insurance coverage for students studying overseas, including medical and travel-related protection.
• PMD Insurance Personal Mobility Device insurance providing coverage for electric scooters, bicycles, and other PMDs.
• TourCare Essential Low-cost value-added travel insurance offering essential coverage for travellers.
• TourCare Plus Comprehensive travel insurance offering extensive coverage for international travellers.
• InsureMyTesla Specialized motor insurance designed for Tesla electric vehicles.
• Motorcycle Insurance Motor insurance coverage for motorcycles and scooters.
• Private Car Insurance Motor insurance for private vehicles providing coverage for accidents, theft, and damage.
• Privilege Motor Premium motor insurance package with enhanced coverage and benefits for high-value vehicles.
• Business Activities Insurance Insurance coverage for various SME business activities and operations.
• Business Property Insurance Coverage for SME business premises, equipment, and property against damage and loss.
• Employees Coverage Employee insurance solutions for SMEs including workers compensation and group coverage.
• Insurance Packages Bundled insurance solutions tailored for small and medium enterprises.
• Pleasure Craft Insurance Marine insurance for pleasure boats and recreational watercraft for SMEs.
• Medical Insurance (SME) Group medical insurance solutions for small and medium businesses.
• Group PASafe Group personal accident insurance for employees of SMEs.
• BizTraveler Business travel insurance covering corporate travellers for SMEs.
• Vehicle Insurance (SME) Commercial vehicle insurance for SME business fleets and company vehicles.
• Casualty Insurance Commercial casualty insurance providing liability coverage for businesses.
• Cyber Insurance Coverage for cyber risks, data breaches, and cyber liability for commercial clients.
• Directors & Officers Insurance D&O insurance protecting company executives and board members from liability claims.
• Financial Risk Solutions Insurance solutions for financial risks and market exposures for commercial clients.
• Fine Art & Specie Specialist coverage for fine art, collectibles, and valuable items for commercial clients in Asia.
• Marine Insurance Commercial marine insurance for ships, cargo, and maritime operations.
• Mergers & Acquisitions Insurance Insurance solutions for M&A transactions and deals for commercial clients.
• Product Recall / Crisis Management Crisis management and product recall insurance, including dedicated pharmaceutical product recall coverage for the Asia Pacific market.
• Professional Indemnity Insurance Professional liability coverage for various industries and professions.
• Property & Energy Insurance Property and energy sector insurance coverage including power generation and renewable energy.
• Reinsurance Reinsurance solutions for insurance companies and risk carriers.
• Surety Insurance Surety bonds and guarantees for construction and commercial projects.
• War & Terrorism Insurance Coverage for war, terrorism, and political risks for commercial clients.
• Risk Engineering Risk assessment and engineering services for commercial clients.
• oneLiberty Portal Online portal for agents and brokers to manage policies, submit applications, and access services.
• oneService Portal Online enquiry and claims service portal for partners and customers.

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• NTUC Income: Singapore cooperative insurer offering personal lines (motor, home, travel, health) and SME/commercial coverage. It is the most direct domestic peer in scale and product mix for Liberty's Singapore retail and SME business.
• Great Eastern Life: Singapore-headquartered composite insurer offering life, health, and general insurance. Comparable in scale and brand reach in Singapore, with overlap in personal accident, health, and travel lines.
• Singlife: Singapore-based composite insurer offering life, health, and general insurance including personal lines. Overlaps with Liberty across personal and SME general insurance and is a comparable local multi-line competitor.
• MSIG Singapore: Singapore subsidiary of Mitsui Sumitomo Insurance, a general insurer offering personal, SME, and commercial lines including motor, property, marine, and engineering. Directly comparable multi-line P&C peer in Singapore.
• Sompo Insurance Singapore: Singapore operations of Japanese insurer Sompo, offering personal, SME, and commercial lines including motor, property, engineering, and liability. A directly comparable multi-line P&C competitor in Singapore.
• Allianz Insurance Singapore: Singapore branch of the global insurer, providing personal lines (motor, home, travel) and commercial lines. Direct peer in both retail and commercial segments, anchored by a global parent.
• Chubb Singapore: Singapore branch of the global specialty P&C leader, providing personal accident, travel, home, and commercial lines including D&O, cyber, professional indemnity, and property. Direct competitor in both retail and specialty commercial.
• AIG Singapore: Global general insurer's Singapore branch, providing personal accident, travel, motor, property, casualty, and specialty commercial coverage. Directly comparable multi-line P&C peer, especially in commercial and specialty segments.
• Tokio Marine Insurance Singapore: Singapore operations of Tokio Marine, providing personal, SME, and commercial lines including motor, property, marine, and engineering. A directly comparable multi-line insurer with a similar product breadth to Liberty.

Others

• Aon Singapore: Global insurance broker placing commercial and specialty risks for Singapore clients. Not a direct insurer competitor but a critical distribution counterpart for Liberty's commercial and specialty lines, and a useful comparable for how intermediated distribution is evolving in Singapore.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubevimeo.com/libertyasiapacific
• Facebookfacebook.com/LibertyInsuranceSG
• LinkedInlinkedin.com/company/libertyinsurancesg
• Instagraminstagram.com/libertysgofficial

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Liberty Insurance