I want to claim for

Individual Business

insurance.

Select the category below to submit your claim.

Family & Home

Medical

Personal Accidents

Travel & Leisure

Vehicle

Nomination of Beneficiaries

Claim for Business Activities

Submit

Business Activities Claims Process

Each claim is different, let us guide you through your claim:

step 1

File your claim

Fill in the claim form (Miscellaneous) and submit to us with the supporting documents.

step 2

Acknowledge

You will receive an acknowledgement from Liberty that we have received your claim submission.

step 3

Process your claim

Upon receiving all original documents, Liberty will process your claim.

step 4

Receive your claim amount

You will receive an email from Liberty that payment will be processed to the mode of payment that you have selected.

Frequently Asked Questions (FAQs)

What are the supporting documents required?
- Original completed claim form (Miscellaneous)
- Photographs of the damaged property
- CCTV footage showing the incident/loss, if available
- Purchased invoices/receipts of the damaged/lost property
- Assessment report from repairer on the cause and extent of damage
- Repair/replacement quotations of the damaged/lost property (Please submit the quotations for our approval before making any repairs/replacement)
- Accounting records of money lost, if applicable
- Police report (burglary, robbery or theft) - must be made within 24 hours of the incident
Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.
What are the supporting documents required for third party legal liability?
- Original completed claim form (Miscellaneous)
- Details of the third party including name, identification number, telephone number and address
- Name, telephone number and address of any witnesses
- All relevant writs summons correspondence and documents served on you by any third party
- Photos of the damaged third party items, if available
- CCTV footage showing the incident, if available
Please note the Insured should immediately notify claim upon receipt of third party claim or report the circumstances that may give rise to a claim. Insured is not to admit any liability to the third party and forward any/all third party correspondence(s) to Liberty Insurance Pte Ltd.

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.
What should I do if an accident giving rise to a claim occurs?

Notify Liberty Insurance or your producer immediately. Liberty Insurance will appoint independent adjusters to look into the matter, when necessary.

However, it is also necessary for you to take immediate action to mitigate the loss by taking necessary measures to minimise and/or prevent further loss/damage.
When do I need to lodge a police report?

Please lodge a police report if your property is lost/damaged by theft/break-in or if a criminal malicious act is involved. Do take photos of the forced entry/break-in and submit together with the claim form, police report and other relevant documents.
What is excess/deductible under my policy?

That portion of costs that has to be borne by you for each claim made as specified in your policy.
What is basis of settlement?

If the policy is on an indemnity basis, the claim amount payable is derived by taking into account depreciation and wear & tear. If the policy is on a replacement value basis, the claim amount payable is the new replacement value of the same form without depreciation or wear and tear.

If there is any improvement or betterment to the original property, deductions shall be made on the said replacement value to reflect such improvement or betterment.
What is under-insurance?

If the sum insured is less than the value of the insured property at the time of loss, the claim amount will be reduced in proportion to the under-insurance.
What should I do if an incident occur rise to a potential claim against me?

Notify Liberty Insurance or your producer immediately, followed by written claim submission (together with relevant documents). We will appoint loss adjusters to look into the matter, when necessary.
What should I do if I receive a Writ of Summons?

Forward the Writ of Summons to Liberty Insurance immediately, indicate the date and time you received the same. A legal representative is required to enter an appearance on your behalf within 8 days from the date it is served on you, to avoid any prejudice to your legal position.
Will the Public Liability policy pay for legal costs and expenses if a third party sues me?

Yes. The policy indemnifies you for all costs and expenses of litigation recoverable by the third party as well as legal costs and expenses (with our consent and if you are legally liable for accidental bodily injury to persons or accidental loss/damage to property and subject to terms & conditions of the policy).
Can I negotiate settlement with the third party?

No. Do not negotiate or make any admission, offer, promise or payment without the written consent of Liberty Insurance in connection with the claim. Forward to us immediately upon receipt all correspondences received from the third party regards their claim against you/your servant/agent for our further handling.
What happens if I already compensated the third party without Liberty Insurance written consent? Can I still seek reimbursement under my policy?

If you had already done so, you would have prejudiced your/our legal position. We may repudiate the claim as this constitutes a breach of a policy condition. However, you may submit to us the required documents for our consideration, subject to policy terms and conditions.