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Terms and Conditions

Liberty Mutual Insurance Company, trading under the name Liberty International Underwriters, an underwriting division of Liberty Mutual Group
Terms of Use (Last update 1/3/11)
Terms of Use  
By using (the "Site"), you acknowledge that you have reviewed, and agree to be bound by, the following terms of use. If you do not agree to these terms of use, do not use this Site.

No Offer to Sell / Solicitation
The Information contained herein is not intended to constitute an offer to sell or a solicitation in connection with any product or service. Product descriptions are provided only as a basic outline of the products and services available from LIBERTY INTERNATIONAL UNDERWRITERSTM and are not intended to be comprehensive. Detailed information on any product or service is available upon request. For coverage specifically applicable to your business please contact your registered insurance broker.

All insurance is subject to limitations and exclusions contained in the policy or certificate provided when the insurance is issued.
Copyright and Trademark Information
All textual, graphical, and other content ("Content") appearing on this Site is the property of Liberty Insurance Underwriters, its related companies, or their respective licensors. All copyrights and other intellectual property rights in the Content of this Site are reserved to Liberty Insurance Underwriters and its licensors. The Site and its Content are provided for lawful purposes only.
You may use the Site's Content only as Liberty Insurance Underwriters expressly permits. None of the Content on this Site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that (1) you are permitted to print one copy only of each page of this Site solely to facilitate your making contact with members of the Liberty Mutual Group and (2) authorized insurance brokers may use the Site's Content for their internal business purposes. Any copying or other unauthorized use of the Site's Content other than as expressly permitted by Liberty Insurance Underwriters is a violation of these Terms of Use and will infringe the rights of Liberty Insurance Underwriters and its licensors under international treaty and United States law.
All brand, product, service, and process names appearing on this Site are trademarks of their respective holders. Reference to or use of a brand, product, service, or process does not imply recommendation, approval, affiliation, or sponsorship of that brand, product, service, or process by Liberty Insurance Underwriters. Nothing contained herein shall be construed as conferring by implication, estoppel, or otherwise any license or right under any patent, copyright, trademark, or other intellectual property right of Liberty Insurance Underwriters or any third party, except as expressly granted herein.

Warranty Disclaimer
To the extent permitted under applicable law, this Site is provided "as is" and "as available" and without warranties of any kind. To the fullest extent permissible under applicable law, Liberty Insurance Underwriters specifically disclaims all warranties, express or implied, including without limitation the warranties of merchantability, fitness for a particular purpose, and noninfringement. Liberty Insurance Underwriters makes no representation or warranty whatsoever regarding the completeness, accuracy, correctness, integrity, reliability, currency, adequacy, suitability, functionality, availability, or operation of this Site or the content or services provided on, or accessible from, this Site. Liberty Insurance Underwriters does not warrant that the operation of this Site will be uninterrupted or error-free, that defects will be corrected, or that this Site or the server that makes it available are free of viruses or other harmful components. Liberty Insurance Underwriters assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the web site or your downloading of any materials, data, text, images, video, or audio from this web site or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.

Limitation of Liability
To the fullest extent permitted under applicable law, in no event will Liberty Insurance Underwriters or its related companies be liable for any direct, indirect, special, incidental, or consequential damages arising out of or in connection with the use or inability to use this Site (or the content or services provided on, or accessible from, this Site), or otherwise, even if Liberty Insurance Underwriters has been advised on the possibility of such damages. Neither Liberty Insurance Underwriters, nor its related companies, will be liable for the completeness, accuracy, correctness, integrity, reliability, currency, adequacy, or suitability of the content or services provided on, or accessible from, this Site.

Within this Site, you may see links or references to other web sites. When you click on one of those links, you are transferred to another web site that is not under Liberty Insurance Underwriters's control. Liberty Insurance Underwriters does not endorse, and is not responsible for, the content (including software downloads), performance, accessibility, and privacy practices of any web sites linked to this Site. Liberty Insurance Underwriters encourages you to read the copyright, privacy and other legal statements of these linked web sites as their policies may differ from ours. You are solely responsible for any interactions you may have with such web sites.
Links to the Site should not be made without the permission of Liberty Insurance Underwriters. Please direct your linking request to:

Changes and Availability
The information on this Site has been compiled from a variety of sources and is subject to change without notice. Like other web sites, this Site may be temporarily unavailable from time to time due to mechanical, telecommunication, software, hardware, and third-party vendor failures. Liberty Insurance Underwriters cannot predict or control when such down time may occur and cannot control the duration of such down time.

Liberty Insurance Underwriters reserves the right to monitor all activity on this Site and to notify the proper law enforcement officials if any suspicious activity is detected.

Governing Law and Forum
These terms of use shall be governed by and construed in accordance with the laws of the United States, without giving effect to any principles of conflicts of law. If any provision of these terms of use is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these terms of use and shall not affect the validity and enforceability of any remaining provisions. Any controversy or dispute will be submitted, and you hereby irrevocably consent, to the personal jurisdiction of the federal courts of the Southern District of New York.

Your use of this Site is subject to the terms of the Site's Privacy Policy.

Liberty Mutual Insurance Company (NAIC Company Code 23043) is domiciled in Massachusetts and is licensed in all states and the District of Columbia;
The terms 'Liberty International Underwriters' or 'LIU' as used in this website also means:
·   Liberty Surplus Insurance Corporation (NAIC Company Code 10275) is domiciled and licensed in New Hampshire in US Territories
These companies are members of the Liberty Mutual Group and each is financially responsible for its own insurance products.
The websites of other Liberty Mutual subsidiaries and affiliates not listed above, and which may be hyperlinked to this website, contain separate Terms & Conditions for Use and separate Privacy Statements applicable to those websites. They can be reviewed on the subsidiary or affiliate specific website.