Terms and conditions

The following terms and conditions shall govern your use of this Site. We suggest that you read the following conditions and limitations carefully. By accessing this Site and any pages contained within, you acknowledge your agreement with and your understanding of the terms and conditions. The Site is owned and operated by Liberty Mutual Canada, the registered business name of the Canadian Branch of the Liberty Mutual Insurance Company (“LIBERTY MUTUAL CANADA”).

No Offer to Sell/Solicitation

The information contained on this Site 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 MUTUAL CANADA 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.

Available Only Where Permitted By Law

The products and services described in this Site may not be available in all jurisdictions and only constitute an offer or solicitation where permitted by law.

Privacy and Security

The privacy and security applicable to this site is outlined in the Privacy Policy, which is subject to these terms and conditions. If you would like to obtain a copy of our Privacy Policy, or have any questions or concerns in relation to the handling of your personal information, please contact our Privacy Officer:

Chief Privacy Officer
Liberty Mutual Canada
181 Bay Street,
Suite 900
Toronto, Ontario
M5J 2T3

This document may be amended from time to time. You may always obtain our most up-to-date version by contacting LIBERTY MUTUAL CANADA’S Chief Privacy Officer or by visiting our website at www.www.libertymutualcanada.com

Customer Information

You agree that all information you provide to LIBERTY MUTUAL CANADA in connection with this Site is true, accurate and complete and you acknowledge that LIBERTY MUTUAL CANADA relies on that information to provide you with information and/or insurance coverage.

Information Accuracy

LIBERTY MUTUAL CANADA believes that the information contained in this Site was accurate when it was placed on the Site. However, this information is subject to update or change at any time without prior notice. The information found on this Site is not intended to provide you with legal, insurance or other advice and LIBERTY MUTUAL CANADA shall not be responsible for any detrimental reliance you place upon this Site or its contents. Use of this Site shall be on an “as is” basis and entirely at your own risk.

Other sites that may be accessed from this Site by hypertext links are entirely independent of this Site and shall NOT, in any manner, be construed as any reflection on, any affiliation with, or endorsement of, any such site or entity, or its respective products or services. We are not responsible or liable for the contents or operations of such sites.

No Liability

Liberty Mutual Insurance Company, its affiliated companies, its officers, directors, agents or employees, or any other person associated with the creation of this Site, shall not be liable or responsible for any harm, loss or damage (whether arising in contract, tort, negligence, or otherwise) that may arise in connection with any use of this Site, including any direct, indirect, special, third party, or consequential damages.


Any use of this Site shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada.


All insurance is subject to limitations and exclusions contained in the policy or certificate provided when the insurance is issued.

Intellectual Property

The use and display of trademarks in this Site does not imply that a license of any kind has been granted to use any copyrights, trademarks or logos and any downloading or printing of materials from this Site will not result in any transfer of any rights. The symbols ™ or ® designate a Canadian trademark of Liberty Mutual Insurance Company

This Site is protected under the copyright laws of Canada and other countries. In addition, certain information may be copyrighted by others. Unless otherwise specified, no one has permission to copy, retransmit, redistribute, reproduce or republish any part or aspect of this Site in any form, or any information found at this site, whatsoever.

Liberty Mutual Canada is the registered business name of the Canadian Branch of the Liberty Mutual Insurance Company and a member of the Liberty Mutual Group. Copyright © 2019 Liberty Mutual Group. All Rights Reserved.

If you have any questions about this Site, these conditions, or any LIBERTY MUTUAL CANADA insurance products or services, please contact us. Some products or policies may not be available in all areas.