Alternative risk solutions
Solutions for complex risks
In an environment where risks are growing more interconnected and complex, alternative risk solutions offer organizations a diverse set of strategies to effectively manage and finance risks that extend beyond the conventional Property and Casualty insurance model.
At Liberty Mutual, our dedicated team of experts is committed to understanding your unique risk challenges. Leveraging our extensive network of experienced underwriters worldwide, we collaborate to craft tailored insurance solutions that address your specific needs. Partner with us to protect what matters most to your business.
Captives
Backed by a team of dedicated, collaborative underwriting specialists, we offer fronting and reinsurance captive solutions to address even the most complex risk concerns. Captives may lack the capital, regulatory permissions for insurance transactions and infrastructure that a large, sophisticated insurer can provide. Therefore, captives commonly employ fronting services, which involve insurers assuming the operational responsibilities of issuing and managing policies, as well as handling premium payments. We provide our captive customers with experienced, tailored support for their programs.
Captive management
Liberty Mutual Management, a stand-alone unit within Liberty Mutual Insurance, can help you form new companies, activate old captives and manage a wide range of companies that use different fronts for a variety of programs. When you work with us, you’ll have access to our strong professional relationships with local and international lawyers, bankers, auditors and government bodies to ensure your captive runs smoothly.
Learn more about our captive management services:
Structured solutions
Our customized structured solutions are designed to meet the specific needs of individual clients. These offerings typically feature:
- Multiyear deal
- Single product policies
- A high degree of risk retention by the client
In addition, clients may have the opportunity to earn a return premium based on favorable loss experience, enhancing the value of their coverage.
The Liberty Mutual structured solution risk appetite includes structured primary property and buffer layer or first layer excess coverage on casualty.
We also take into consideration other lines of business that are in alignment with Liberty Mutual’s risk appetite.
Integrated programs
These programs are thoughtfully designed as comprehensive multiyear solutions that span across multiple lines of coverage. These programs deliver seamless protection for losses occurring across your entire portfolio of risks, all under a single aggregate limit.
Our primary focus will be on existing clients of Liberty Mutual. By partnering with us, you can benefit from a streamlined approach to risk management that simplifies your coverage while enhancing your overall protection.
Parametric solutions
At Liberty Mutual, our parametric solutions offer policyholders targeted coverage for specific events, delivering predetermined payouts based on the magnitude of the occurrence as measured by a predefined index. This approach ensures that you receive timely financial support when you need it most.
Triggers for specific events can include:
- Weather-based indices
- Natural catastrophes (NatCat)
- Crop yield indices
- Energy sources such as wind, solar and hydro
In addition, Liberty Mutual has established strategic partnerships with Floodbase and Safe Hub, enabling us to offer customized flood and earthquake coverage.
Liberty Mutual’s tailored parametric solutions can meet your unique risk management needs, ensuring your business is prepared for the unexpected.
More information on our Parametric solutions team can be found here.
Get in touch
If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.
Corporate resilience: spotlight on alternative risk solutions [WEBINAR]
Gain insight from our expert panelists on how alternative risk solutions can provide organizations a nontraditional approach for managing risks. Learn how to cultivate corporate resilience and bring greater strategic value to your organization.
Learn more about corporate resilienceThis website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.
Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.
