{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "liberty",
  "name": "Liberty Specialty Markets",
  "website": "https://www.libertyinternational.com/au/",
  "kind": "insurer",
  "underwriter": "Liberty Mutual Insurance Company",
  "underwriter_abn": "61086083605",
  "underwriter_afsl": "530842",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "Liberty Commercial Property",
    "type": "isr",
    "segment": "industrial",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Businesses or enterprises with assets valued from $20m, capacity up to $150m per risk, declared values up to $500m.",
    "states": null,
    "documents": [
     {
      "title": "Commercial Property insurance product profile",
      "url": "https://www.libertyinternational.com/get-document/6c08f115-7a08-4716-93c2-2856e525dfe8",
      "date": null
     },
     {
      "title": "Commercial Property Fast Track claims",
      "url": "https://www.libertyinternational.com/get-document/f43dcc51-1113-402d-a107-c6626f4643d9",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "Liberty offers protection against the financial costs of repair, machinery breakdown and loss of revenue caused by business interruption due to fire, storm and other insured perils.",
      "url": "https://www.libertyinternational.com/au/product/product-property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Liberty offers protection against the financial costs of repair, machinery breakdown and loss of revenue caused by business interruption due to fire, storm and other insured perils.",
       "url": "https://www.libertyinternational.com/au/product/product-property#:~:text=Liberty%20offers%20protection%20against%20the,storm%20and%20other%20insured%20perils.",
       "document_sha256": "ea276f695b209c9e01ce6f2e762513ee638c8e5c0984547b1bd8657737e8d8e4",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Designed to protect a range of businesses or enterprises with assets valued from $20m with a capacity up to $150m per risk",
      "url": "https://www.libertyinternational.com/au/product/product-property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Designed to protect a range of businesses or enterprises with assets valued from $20m with a capacity up to $150m per risk",
       "url": "https://www.libertyinternational.com/au/product/product-property#:~:text=Designed%20to%20protect%20a%20range,up%20to%20%24150m%20per%20risk",
       "document_sha256": "ea276f695b209c9e01ce6f2e762513ee638c8e5c0984547b1bd8657737e8d8e4",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Product Profile PDF offered for download on the page; link not captured."
    ],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "commercial-property",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "Liberty Mutual Insurance Company",
      "abn": "61086083605",
      "afsl": "530842",
      "lloyds": false,
      "slug": "liberty-mutual-insurance",
      "apra": {
       "status": "authorised",
       "name": "Liberty Mutual Insurance Company",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "530842",
       "name": "LIBERTY MUTUAL INSURANCE COMPANY",
       "abn": "61086083605",
       "acn": null,
       "licensed_since": "2021-12-09",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": false,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "Liberty Corporate Property",
    "type": "isr",
    "segment": "industrial",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Risks with policy Limit of Liability in excess of $150m and declared values in excess of $500m.",
    "states": null,
    "documents": [],
    "quotes": {
     "product": {
      "text": "Corporate Property",
      "url": "https://www.libertyinternational.com/au/product/product-property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Corporate Property",
       "url": "https://www.libertyinternational.com/au/product/product-property#:~:text=Corporate%20Property",
       "document_sha256": "ea276f695b209c9e01ce6f2e762513ee638c8e5c0984547b1bd8657737e8d8e4",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Risks with policy Limit of Liability in excess of $150m and declared values in excess of $500m",
      "url": "https://www.libertyinternational.com/au/product/product-property",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Risks with policy Limit of Liability in excess of $150m and declared values in excess of $500m",
       "url": "https://www.libertyinternational.com/au/product/product-property#:~:text=Risks%20with%20policy%20Limit%20of,values%20in%20excess%20of%20%24500m",
       "document_sha256": "ea276f695b209c9e01ce6f2e762513ee638c8e5c0984547b1bd8657737e8d8e4",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "corporate-property",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "Liberty Mutual Insurance Company",
      "abn": "61086083605",
      "afsl": "530842",
      "lloyds": false,
      "slug": "liberty-mutual-insurance",
      "apra": {
       "status": "authorised",
       "name": "Liberty Mutual Insurance Company",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "530842",
       "name": "LIBERTY MUTUAL INSURANCE COMPANY",
       "abn": "61086083605",
       "acn": null,
       "licensed_since": "2021-12-09",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": false,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "Liberty Mutual Insurance Company, Australia Branch (ABN 61 086 083 605) incorporated in Massachusetts, USA (the liability of members is limited)",
    "url": "https://www.libertyinternational.com/au/product/product-property",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Liberty Mutual Insurance Company, Australia Branch (ABN 61 086 083 605) incorporated in Massachusetts, USA (the liability of members is limited)",
     "url": "https://www.libertyinternational.com/au/product/product-property#:~:text=Liberty%20Mutual%20Insurance%20Company%2C%20Australia,liability%20of%20members%20is%20limited%29",
     "document_sha256": "ea276f695b209c9e01ce6f2e762513ee638c8e5c0984547b1bd8657737e8d8e4",
     "confirmed": "2026-11-13"
    }
   },
   "afsl": {
    "text": "Liberty Australia holds an Australian Financial Services Licence (AFSL 530842) authorising it to carry on a financial services business to provide claims handling and settling service limited to retail clients.",
    "url": "https://www.libertyinternational.com/au/product/property",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Liberty Australia holds an Australian Financial Services Licence (AFSL 530842) authorising it to carry on a financial services business to provide claims handling and settling service limited to retail clients.",
     "url": "https://www.libertyinternational.com/au/product/property#:~:text=Liberty%20Australia%20holds%20an%20Australian,service%20limited%20to%20retail%20clients.",
     "document_sha256": "e181da44cf787e2919bd4cc7c489e39335880de2c21d11bcd1d52fc1385ec53b",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "AFSL 530842 is stated by Liberty as limited to claims handling for retail clients; Liberty Mutual's Australian branch is APRA-authorised. Channel not stated on the product page. | libertyspecialtymarkets.com redirects to libertyinternational.com/au (the /au paths on libertyspecialtymarkets.com return 404). AFSL 530842 is stated by Liberty as limited to claims handling for retail clients. Liberty's TMD page also lists 'Sure Residential Strata' and 'Sure Insurance Home & Contents' under Retail TMDs: a possible additional strata brand for the lead to chase.",
  "segments": [
   "industrial"
  ],
  "issuers": [
   {
    "name": "Liberty Mutual Insurance Company",
    "abn": "61086083605",
    "afsl": "530842",
    "lloyds": false,
    "slug": "liberty-mutual-insurance",
    "apra": {
     "status": "authorised",
     "name": "Liberty Mutual Insurance Company",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "530842",
     "name": "LIBERTY MUTUAL INSURANCE COMPANY",
     "abn": "61086083605",
     "acn": null,
     "licensed_since": "2021-12-09",
     "locality": "Sydney NSW 2000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": false,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/liberty/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/liberty.json"
 }
}