Liberty Insurance

What Liberty Insurance does

Liberty Insurance Corporation is a Philippine non-life insurance company founded in 1953 and headquartered in Makati City. It distributes a broad non-life product portfolio — motor car insurance (private cars, commercial vehicles, motorcycles, and LTO vehicles), fire/property insurance with extensions (HomeShield, Business Interruption, Commercial All Risk), bonds and suretyship (surety, fidelity, judicial, bail), personal accident insurance with student and specialized programs, travel assistance plans including a COVID-19 variant, Kasambahay household worker insurance, MePets pet insurance, and compulsory third-party liability (CTPL) — to individual, family, SMB, and corporate buyers across the Philippines.

The company operates a hybrid distribution model combining a 40+ branch service office network spanning North Luzon, NCR, South Luzon, Visayas, and Mindanao with digital channels including the iShop consumer purchase portal, the iPay premium payment platform (integrated with BDO and Palawan Pay), and dedicated partner portals for innovative products, CTPL, and travel assistance. Its core technology is an insurance policy management and claims processing system supporting online customer portals for product applications and policy management; no proprietary AI/ML, mobile app, or API platform is disclosed.

Revenue is generated through insurance premiums, with most products priced on an annual subscription basis and travel/COVID-19 products priced on a pay-as-you-go basis; pricing is quote-based and not publicly disclosed. The company is privately held with SEC filings, holds a National Privacy Commission registration valid until January 14, 2027, and operates exclusively in the Philippines.

Name

Liberty Insurance

Legal name

Liberty Insurance Corporation

Website

https://libertyinsurance.com.ph

Company type

Private

Founded year

1953

Operating status

Operating

Headcount range

101–250 employees

Short description

Liberty Insurance Corporation is a Philippine non-life insurer founded in 1953 that sells motor, property, surety, personal accident, travel, CTPL, pet, and household worker insurance to individuals, families, and businesses via a nationwide branch network and digital portals.

Ownership category

akta.pro rank

Product category

Non-Life Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers (5241)

SIC

Surety Insurance (6351), Accident & Health Insurance (6321)

akta.pro primary industry

General Liability Insurance (FSAJAMAE)

akta.pro secondary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Non-life insurance
• Motor car insurance
• Property insurance
• Surety bonds
• Personal accident insurance

Headquarters

HQ city

Makati

HQ country

Philippines

HQ region

Asia

Offices37 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Non-Life Insurance Premiums: Revenue generated from insurance premiums for various non-life insurance products including motor vehicle insurance, property/fire insurance, personal accident insurance, travel insurance, and specialty insurance products.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Liberty Insurance Corporation is a non-life insurance provider in the Philippines offering motor car insurance, fire property insurance, surety bonds, personal accident insurance, travel insurance, kasambahay (household worker) insurance, pet insurance (MePets), and compulsory third-party liability (CTPL) coverage. Products are sold through nationwide branch offices, dedicated online portals (iShop, iPay), and partner channels for both individual and commercial customers.

Product overview

Liberty Insurance Corporation is a non-life insurance company established in 1953, offering a comprehensive portfolio of insurance products designed to protect property and personal well-being against losses. The product suite includes Motor Car Insurance covering private cars, commercial vehicles, motorcycles, and LTO vehicles; Fire Property Insurance with extensions like HomeShield, Business Interruption, and Commercial All Risk; Bonds/Suretyship including Surety, Fidelity, Judicial, and Bail Bonds; and Personal Accident Insurance with Student Insurance and Specialized Programs. The company also provides specialized coverage through Travel Assistance Plan, Travel PA with COVID-19, Kasambahay Insurance, and Liberty MePets pet insurance. CTPL (Compulsory Third Party Liability) insurance is offered for motor vehicles.

Differentiator

Problem solved

Functional benefit

Products and services

• Motor Car Insurance Insurance coverage for private cars, commercial vehicles, motorcycles, and Land Transportation Operator (LTO) vehicles, covering direct loss or damage to insured vehicles and third-party liability. Designed for individual motorists and commercial fleet operators in the Philippines.
• Fire Property Insurance Protection for residential, commercial, and industrial assets against fire and lightning damage, with optional coverage extensions for earthquake, typhoon, flood, and other risks. Covers buildings, machinery, equipment, trade stocks, and personal effects.
• Bonds / Suretyship Surety bond services including Surety Bonds (Bidder, Performance, Advance Payment, Warranty), Fidelity Bonds, Judicial Bonds, and Bail Bonds for guaranteeing contractual performance and legal obligations. Targets businesses and contractors.
• Travel Assistance Plan Travel insurance covering medical expenses, hospitalization, funeral assistance, medical evacuation, repatriation, emergency dental care, trip cancellation, personal liability, and loss of baggage. Targeted at Filipinos traveling internationally as fare-paying passengers and foreigners residing in the Philippines traveling abroad.
• Travel PA with COVID-19 (Terminal Illness COVID-19) Specialized travel personal accident coverage for death due to COVID-19 infection, providing financial assistance to insured persons aged 1-60 years who test positive as diagnosed by DOH or RITM.
• Kasambahay Insurance Insurance coverage package for household workers (kasambahay) including annual physical exam, drug test, fire insurance for personal belongings, and accident medical reimbursement. Designed for household employers of yayas, housekeepers, cooks, laundry persons, caretakers, gardeners, and personal drivers.
• Liberty MePets Pet insurance package covering death and disability, medical expenses for pet owners and their pet dogs or cats, including compensation for theft or loss of pet. Targeted at pet owners seeking to insure both themselves and their pets.
• Personal Accident Insurance Insurance providing accidental medical expense reimbursement, daily in-hospital income, and accidental death burial expense reimbursement for individuals, families, corporations, or groups. Covers accidental disablement or death.
• Compulsory Third Party Liability (CTPL) Mandatory third-party liability insurance for motor vehicle owners, available for private cars, commercial vehicles, and motorcycles. Available for online application through the dedicated CTPL portal.

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered minor.

• BDO (Banco de Oro)minorGTM or Marketing PartnerPayment processing partner enabling policyholders to pay insurance premiums through BDO bank branches and online banking services.
• Palawan PayminorGTM or Marketing PartnerDigital payment partner providing policyholders with alternative payment method for insurance premium payments through Palawan Pay platform.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Malayan Insurance Co., Inc. The largest non-life insurance company in the Philippines, offering motor, fire, marine, and casualty coverage through a nationwide branch and agency network. Most directly comparable peer given overlapping product suite, distribution model, and Philippine market focus.
• Pioneer Insurance & Surety Corporation: Philippine non-life insurance carrier offering motor, fire, marine, bonds, and personal accident coverage with a similar multi-line product strategy and nationwide branch network. Highly comparable in scale, product breadth, and customer segments.
• PNB General Insurers Co., Inc. Philippine non-life insurance carrier affiliated with Philippine National Bank, providing motor, fire, and other general insurance lines. Comparable scale and product mix, with bank-distribution advantages.
• FPG Insurance Co., Inc. Philippine non-life insurance carrier (formerly Federal Phoenix Assurance) providing motor, fire, marine, and engineering coverage. Comparable in size, multi-line approach, and target customer segments.
• Prudential Guarantee and Assurance, Inc. Philippine non-life insurance company providing motor, fire, bonds, and engineering coverage. Similar mid-tier positioning, multi-line portfolio, and traditional branch-based distribution.
• Charter Ping An Insurance Corporation: Mid-sized Philippine non-life insurer offering motor, property, casualty, and surety products through branches across the country. Direct competitor in core product lines with comparable distribution approach.
• Standard Insurance Co., Inc. Philippine non-life insurer offering motor, property, marine, and casualty products. Comparable in size, product mix, and reliance on traditional branch distribution.
• UCPB General Insurance Company, Inc. Philippine non-life insurance carrier with bank-affiliated ownership (UCPB), offering motor, fire, and casualty products. Comparable product suite, with the differentiation of a banking parent.
• MAPFRE Insular Insurance Corporation: Subsidiary of Spanish insurance group MAPFRE offering motor, fire, personal accident, and specialty coverage in the Philippines. Comparable in product breadth, though with stronger international backing than Liberty.

Broad incumbents

• AXA Philippines: International insurance group's Philippine subsidiary offering non-life (motor, property) and life products. Larger and broader than Liberty, but directly competes in Philippine non-life lines and sets competitive benchmarks on digital capabilities.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/libertyinsurancecorporation
• Instagraminstagram.com/libertyinsurance_?igshid=NTdlMDg3MTY=
• Xx.com/liberty_ins
• LinkedInlinkedin.com/company/liberty-insurance-corporation

Revenue estimate

Valuation estimate

Number of profiles

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