Liberty General Insurance is a leading private-sector general insurer in India. It is a joint venture between Liberty Mutual Insurance Group (a Fortune 100 company based in the US), Enam Securities, and the DP Jindal Group. Launched in 2013, the company has quickly built a reputation for efficient claim servicing, innovative policy offerings, and customer-centricity.
Liberty General Insurance provides a comprehensive suite of insurance products tailored for individuals, small businesses, and corporations. With a presence in over 110 Indian cities, it aims to empower consumers with quality risk protection solutions that are digitally enabled and easy to understand.
India’s insurance sector is in the midst of rapid transformation. The demand for general insurance products—especially health and motor—is growing due to rising awareness, lifestyle risks, and regulatory push. Liberty General Insurance is contributing to this evolution by offering flexible, transparent, and cost-effective solutions. It is not just keeping pace with the market but actively shaping its future.
The company’s tech-first approach, simplified policies, and prompt service have made it a preferred choice for digitally-savvy consumers across metros, small towns, and rural India.
Liberty General Insurance offers a wide portfolio of products including:
- Motor Insurance (Cars, Bikes, Commercial Vehicles)
- Health Insurance
- Property Insurance
- Marine Insurance
- Commercial Insurance
- Engineering and Construction Risk Insurance
Its strong solvency ratio, prompt claim settlements, multilingual support, and 24×7 assistance are some of the key factors driving its rising popularity among policyholders.
Company Background
Liberty General Insurance was incorporated in 2013, following a strategic partnership between:
- Liberty Mutual Insurance Group – A globally recognised insurer with over 100 years of expertise.
- Enam Securities – A respected name in Indian investment banking.
- DP Jindal Group – A diversified Indian industrial conglomerate.
This partnership combined global insurance practices with Indian market knowledge, creating a powerful platform for delivering innovative insurance solutions.
Timeline of Growth and Evolution in India
- 2013: Began operations with health and motor insurance.
- 2015: Expanded into property and commercial lines.
- 2017: Launched paperless claim settlements via mobile apps.
- 2019: Introduced multilingual customer support and tier-2 city outreach.
- 2022: Crossed ₹1,000 crore in gross written premium.
- 2024: Integrated AI in underwriting and fraud detection.
Key Milestones and Business Highlights
- Served over 6 million customers to date.
- Over 110 branch offices and 5,000+ garages and hospital tie-ups.
- Integrated IoT for motor insurance telematics.
- Claims turnaround time among the fastest in the private sector.
- Consistently high claim settlement ratios and policyholder satisfaction scores.
Mission and Vision
- Mission: To help people live safer, more secure lives by providing superior insurance products through innovation and service excellence.
- Vision: To be the most admired and trusted general insurance provider in India with a focus on transparency, customer delight, and inclusive growth.
Why Choose Liberty General Insurance?
- Global Heritage Meets Local Expertise
Liberty General Insurance is backed by Liberty Mutual Group, which operates in over 30 countries. This brings robust risk management, international claims practices, and tech innovations to the Indian market, combined with local know-how to suit Indian customers.
- Fast and Efficient Claim Settlement
The claims process is one of the most seamless in the industry. Liberty processes motor and health claims with minimal paperwork. Cashless claim approvals for health and motor services often happen within hours.
- Diverse and Customisable Plans
From retail to corporate insurance, Liberty offers plans that can be tailored to exact needs. Whether you are an individual buying bike insurance or a factory owner seeking industrial cover, you get customised solutions.
- Competitive Premiums and Value Additions
Liberty offers affordable premiums with comprehensive coverage. Add-ons like roadside assistance, engine protection, zero depreciation, and wellness benefits make its plans more valuable than many competitors.
- Tech-Powered Services
The Liberty mobile app and online portal allow users to renew policies, file claims, locate network garages or hospitals, and access policy documents instantly. Their chatbot and WhatsApp integration enhance real-time support.
- Nationwide Network
Liberty has a broad distribution network—spanning agents, brokers, online aggregators, and bancassurance. This ensures access to its products even in rural and semi-urban locations.
- Focus on Customer Satisfaction
Every process—from buying to claim—has been designed with the customer in mind. Real-time grievance redressal, multilingual support, and an empathetic claims team ensure a stress-free experience.
- Active Community Participation
Liberty conducts CSR initiatives in financial literacy, road safety, and health awareness. It aims to insure not just lives but livelihoods and communities.
Product Portfolio
A. Car Insurance
Overview
Liberty’s car insurance policies safeguard against road accidents, natural disasters, and theft. The plans include legal liability as well as own-damage protection.
Plans Offered
- Third-Party Insurance: Mandatory cover for liabilities toward others.
- Comprehensive Policy: Third-party plus own-damage and theft.
- Add-On Covers: Zero depreciation, roadside assistance, NCB protector.
What is Covered?
- Accidents and collision damage
- Theft or loss of the vehicle
- Fire, explosion, or natural calamities
- Third-party liability
- Personal accident cover for the driver
What is Not Covered?
- Driving under the influence
- Damage due to illegal racing
- Electrical/mechanical failure
- Normal wear and tear
- Driving without a valid license
B. Two-Wheeler Insurance
Overview
Liberty’s bike insurance policies are budget-friendly and provide comprehensive cover against common risks two-wheeler owners face.
Plans Offered
- Third-Party Insurance: Covers third-party liabilities.
- Comprehensive Cover: Includes theft, accident, and third-party damage.
- Long-Term Policies: Multi-year protection with NCB benefits.
What is Covered?
- Damage from accidents
- Theft or fire damage
- Natural calamities
- Personal accident cover
- Legal third-party claims
What is Not Covered?
- Non-approved usage of the bike
- Damage outside the coverage area
- Non-disclosure of facts
- Riding without a helmet
- Consequential damages
C. Health Insurance
Overview
Liberty provides health plans that are flexible, affordable, and designed to handle medical emergencies without financial strain.
Plans Offered
- Health Connect: Customisable plan for individuals and families.
- Secure Health: Includes daycare, ambulance, and pre/post-hospitalisation.
- Janta Health Plan: Economical plan for low-income households.
What is Covered?
- Hospitalisation expenses
- Pre/post hospitalisation (30-60 days)
- Daycare treatments
- Ambulance charges
- Wellness check-ups
What is Not Covered?
- Cosmetic and plastic surgery
- Experimental treatments
- Pre-existing diseases (initial waiting)
- OPD charges (in basic plans)
- Infertility or maternity (unless covered)
D. Marine Insurance
Overview
Liberty’s marine insurance protects goods during transit, whether via sea, rail, or road.
Plans Offered
- Marine Cargo Open Policy: Annual transit for regular shipments.
- Voyage Policy: For one-time consignments.
- Inland Transit Policy: Goods moved within India.
What is Covered?
- Damage during loading/unloading
- Theft or pilferage
- Fire/explosion
- Transit delays or natural hazards
- Collision or overturning
What is Not Covered?
- Bad packaging
- Inherent vice in goods
- War or nuclear events
- Normal loss of weight
- Unreported shipments
E. Corporate Insurance
Overview
These policies provide risk cover for business operations, assets, employees, and legal liabilities.
Plans Offered
- Office Package Policy
- Group Mediclaim and PA
- Industrial Risk and Commercial Vehicle Cover
What is Covered?
- Fire and burglary
- Employer’s liability
- Business interruption
- Machinery and equipment damage
- Employee health and injury
What is Not Covered?
- Fraud or criminal acts
- Lack of maintenance
- Acts of war
- Deliberate misconduct
- Indirect or consequential loss
F. General Accident Insurance
Overview
This plan cushions the financial shock of accidental injuries or death.
Plans Offered
- Individual Personal Accident Plan
- Group Accident Plan for businesses
- Travel-related Accident Plan
What is Covered?
- Accidental death
- Permanent/temporary disability
- Medical expenses
- Hospital cash benefit
- Ambulance charges
What is Not Covered?
- Self-inflicted injuries
- Alcohol or drug abuse
- Hazardous sports
- Non-disclosure of pre-existing injuries
- Criminal activity
G. Erection All Risk Insurance
Overview
This policy insures plant and machinery during erection and installation.
Plans Offered
- Basic EAR for small setups
- Contractor EAR for projects
- Extended EAR with testing phase cover
What is Covered?
- Fire and explosion
- Damage from faulty operations
- Theft of materials
- Floods, storms, and earthquakes
- Third-party property damage
What is Not Covered?
- Manufacturing defects
- Illegal activities
- Delay penalties
- Wilful negligence
- Nuclear accidents
H. Commercial General Liability Insurance
Overview
Protects businesses from third-party legal liabilities.
Plans Offered
- Basic CGL
- Products and Advertising Liability
- Tailored CGL for SMEs and large industries
What is Covered?
- Bodily injury to third parties
- Property damage
- Advertising injury
- Legal expenses
- Medical payments
What is Not Covered?
- Professional errors
- Cyber incidents
- Product recalls
- Fines and penalties
- Contractual disputes
I. Property Insurance
Overview
Protects physical assets from damage due to natural and man-made risks.
Plans Offered
- Home Insurance
- Industrial Property Cover
- Fire and Special Perils Insurance
What is Covered?
- Fire, flood, earthquake
- Riot and strike damage
- Burglary and theft
- Equipment breakdown
- Stock and inventory loss
What is Not Covered?
- War and terrorism
- Deliberate sabotage
- Depreciation or wear
- Illegal occupancy
- Electrical surges (unless covered)
Claims Process
Liberty aims for swift, transparent, and paperless claim resolution.
Step-by-Step Process
- Inform claim via website/app or call center.
- Upload documents (FIR, photos, bills).
- Surveyor assigned (if needed).
- Claim assessment and approval.
- Payment directly to the bank/hospital/garage.
Renewal Process
Policy renewal with Liberty is quick and online, often with NCB benefits.
Steps to Renew
- Visit the Liberty website or mobile app.
- Enter existing policy details.
- Review coverage and premium.
- Choose add-ons (optional).
- Make payment and download the renewed policy.
Distribution Network
Community Engagement
Liberty runs financial literacy programs in rural areas, educating people on risk protection and insurance benefits.
Green Insurance and ESG Strategy
They promote paperless policies, digital KYC, and responsible underwriting to align with ESG goals.
Health and Wellness Campaigns
Free health check-ups, online health risk assessment tools, and discounts on health services are offered through tie-ups.
Awards and Recognitions
- Recognised as one of India’s fastest-growing insurers.
- ISO certified for quality standards.
- Awards for best use of digital innovation in insurance.
- Top rank in IRDAI customer satisfaction index.
Final Thoughts:
Liberty General Insurance combines global backing with local responsiveness. Their clean claims process, affordable policies, and transparent service make them a trusted name.
As India grows more risk-aware, Liberty General Insurance is well-positioned to become a household name. It’s more than just an insurer—it’s a partner in your financial security journey.
