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Property & Casualty

Midsize and large businesses require a comprehensive network of coverage: general liability, property, workers compensation, commercial auto, and more. Our underwriting, claims, and risk control teams work together seamlessly to bring the right solutions to every interaction.


We’re providing casualty solutions to address the complex risk management challenges your clients face and help lower the total cost of risk across an array of industries.

Our casualty solutions can help protect your clients’ employees, fleets, and reputations from current and emerging risks. Our teams take the time to understand each customer’s operation and develop just the right program, all in one place. That’s why we’re a preferred choice for midsize and large businesses seeking casualty insurance:

  • Commercial auto
  • General liability
  • Umbrella and excess liability
  • Workers compensation


Around the corner or across the globe, our dedicated underwriting, risk engineering, and claims teams stand ready to tackle even the most complex property risks.

Whatever your clients’ size, location, or industry, we have property expertise across our organization. Our property underwriters, risk engineers, and claims teams specialize exclusively in protecting against property risks. We’ll delve deep into your clients’ challenges, using exposure analysis, modeling, and account-specific details to craft high-quality policies tailored to their needs. You’ll find us in 150 countries and across an array of industries, bringing our broad appetite and capacity to:

  • Equipment breakdown
  • Inland and ocean marine
  • Shared and layered
  • Single-carrier

Third-Party Administration

If you’re looking for third party administration, Helmsman Management Services is the only TPA backed by the strength and expertise of a Fortune 100 company – and the flexibility to meet your clients’ specific needs.

At Helmsman Management Services, our goal is to improve claims outcomes and reduce costs. Your clients can trust our expert teams, award-winning technical tools, and experience in a wide range of industries to build a better TPA experience – all with the freedom to shape it their way.

Specialty Insurance

With local service and in-depth underwriting expertise across a spectrum of industries, your clients’ needs are always met promptly. From mergers and acquisitions to environmental and professional lines, we’re constantly challenging ourselves to do more for our customers.

Employer Stop Loss

Controlling healthcare costs is a concern for any business – but larger-than-expected medical claims can devastate a self-funded employer. Our stop loss coverage helps protect employers who self-fund their health benefit plans.

Self-funded health benefit plans can give employers better flexibility and control over expenses, while providing important medical coverage to their employees. But with self-funding comes increased financial risk, including the possibility of medical claims that are larger or more frequent than expected. Our stop loss coverage helps employers plan confidently for the future, without the worry of catastrophic medical expenses. Our expert coverages include:

  • Specific excess loss
  • Aggregating excess loss
  • ProAct cost containment solutions


Our environmental coverage provides reliable protection against loss from environmental liabilities.

Contractor legalities, site pollution – even terrorism. Few areas of risk are as complicated as environmental liability. That’s why we’ve made it our mission to help your clients manage the risks they can see – and those they can’t. Our full suite of environmental insurance products is backed by expert underwriters, proactive claims professionals, and essential services such as crisis management and incident response. Look to us for:

  • Contractors environmental legal liability (CELL)
  • Environmental excess (EEL) casualty
  • Environmental excess (EEL) pollution legal liability
  • Environmental excess (EEL) contractors pollution liability
  • Environmental protection insurance coverage package (EPIC PAC)
  • Site pollution incident legal liability select (SPILLS)
  • Storage tanks

Equine and Livestock

Covering your clients’ most complex and delicate investments, our Equine and Livestock team is passionately dedicated to its work.

Our real-world experience means better protection for your clients’ horses and livestock. Offering a comprehensive range of products for the equine and livestock industry, we provide not just tailored coverage, but dependable advice from our seasoned professionals. Coverages include:

  • Equine and livestock – International
  • Equine mortality – US
  • Livestock and exotic mortality – US


Our team tackles specialty healthcare risks head-on and works closely with our dedicated healthcare casualty group to offer steadfast protection for healthcare organizations.

The healthcare industry is a hotbed of changing regulations, liabilities, and emerging risks. That’s why we’re dedicated to the healthcare industry – to not just understand it, but really know it. This single focus allows us to create powerful partnerships with healthcare organizations across the US, building flexible, tailored coverage plans that address the customer’s unique needs. We stake our reputation on our steady ability to deliver in-depth expertise and an incisive mix of coverages:

  • Custom accounts and asset protection solutions
  • Employer stop loss
  • HMO reinsurance and provider excess
  • Hospital professional liability
  • Life sciences products liability and professional liability
  • Long-term care professional liability
  • Managed care E&O and D&O liability
  • Miscellaneous medical facilities
  • Physician group practice liability
  • Program business
  • Regulatory risk products

Financial Risk

Protecting against global financial and political risks takes expertise, capacity, and stability. We have all this and more.

Give us your most complex risk challenges: government intervention, contract frustration, political violence, or credit default. We’ll forge viable, expert coverage solutions in return. Concerned about the long term? That’s where we really shine. With policy periods of up to 20 years and limits of up to $100 million, our expert underwriters serve government agencies, international banks, and multinational companies. We understand the nuanced, complex risks of both established and emerging markets worldwide, covering:

  • Single transaction trade credit
  • Political risk

Fine Art and Specie

From armored car operators to world-famous museums, our customers rest easier knowing they’re protected from high-value losses.

Fine art and specie require specialized protection from loss, as well as a true understanding of the unique risks involved. That’s why a diverse range of customers rely on us to help protect against physical loss or damage of their one-of-a-kind valuables – whether they’re on display, in storage or in transit. With experience in fine art, general specie, jewelers block, and cash in transit, our underwriters are accustomed to dealing with high-value, sensitive risks.

Mergers and Acquisitions

As one of the most experienced mergers and acquisitions (M&A) teams in the world, we’ve built our reputation on attention to detail.

In the fast-moving world of mergers and acquisitions, brokers and their clients need insurance solutions that can manage an ever-expanding range of transactional risks. We help take deal-blocking issues off the table with our suite of targeted M&A insurance products, including:

  • Contingent legal risk insurance
  • Representations and warranties/warranty and indemnity insurance
  • Tax liability insurance

Professional Lines

Offering a variety of directors and officers (D&O) and errors and omissions (E&O) coverages, our professional lines solutions can help protect your clients against lawsuits and damage awards.

Leading an organization is a challenge under any circumstance. Beyond day-to-day responsibilities, legal entanglements can cloud even the brightest business forecast. Our robust suite of professional coverages allows your clients to focus on business – without distraction. Whether for public, private, not-for-profit, or limited liability organizations, our professional lines offer a broad, protective suite of coverages, including:

Directors and Officers Coverages:

  • Directors and officers/errors and omissions financial institutions
  • Directors and officers – private
  • Directors and officers – public
  • Directors and officers – non for profit
  • Employment practices liability
  • Fidelity and crime – commercial FI bonds
  • Fiduciary/pension/trust liability
  • Public officials liability
  • School leaders liability

Errors and Omissions Coverages:

  • Errors and omissions architects and engineers
  • Errors and omissions cyber/tech liability
  • Errors and omissions lawyers professional
  • Errors and omissions miscellaneous professional liability


Our specialty insurance programs offer tailored coverage for businesses in niche industries.

From nonprofits to scrap metal dealers, clients with hard-to-place risks can receive coverage that fits their needs. By working with proven, established program administrators, we’ve built a powerful network of programs for traditionally underserviced industries – helping you to say yes to more of these unique opportunities. Explore our portfolio, all supported by the strength and stability you’ve come to expect from us. Specialties include:

  • Antique and collectible automobiles
  • Auto dismantlers
  • Commercial hull
  • Concrete pumpers
  • Contractors (WC only)
  • Excess flood coverage
  • Fire suppression and sprinkler contractors
  • High-value musical instruments
  • Hospitality and leisure
  • Hotels, resorts, and casinos
  • Insurance agents’ errors and omissions
  • Lessors’ risks
  • Museums
  • Nonprofits
  • Post-surgical for bariatric and plastic surgeons
  • Private art collections
  • Protection and indemnity
  • Real estate exposures
  • Roofing contractors
  • Scrap metal dealers
  • Self-storage
  • Sports and fitness

War and Terrorism

War and terrorism feel like ever-present, growing concerns for businesses. We’re here to help protect against that risk.

The risk of terrorist attacks, hijackings, sabotage, war, and political instability continues to grow across the globe. Businesses rely on us as a stable, dependable partner, providing war and terrorism coverage underwritten through Lloyd’s of London and our global network of offices. Specialized coverages include:

  • Aviation war
  • Marine war
  • Terrorism


As the second largest surety in the US and one of the largest worldwide, we provide surety bond solutions and guarantees to contractors and businesses of all sizes.1 With Liberty Mutual Surety, your clients get the financial strength, stability, and innovation of a global leader.


1Based on 2018 direct written premium

Commercial and Fidelity Bonds

Commercial and fidelity bonds for clients of any size. Our customized, flexible options help protect businesses from financial loss.

Liberty Mutual Surety is known for bonding some of the largest companies in the world – and we extend that expertise to small and midsize clients. Our underwriting teams pride themselves on their knowledge of multiple, diverse business sectors and their unique surety needs. Individuals, midsize companies, and Fortune 1000 public and private-equivalent companies come to us for the bond solutions they need – with the attentive service they deserve.

Contract Bonds

Your clients will appreciate the personal attention and tailored approach we bring to contract surety – plus our range of services for all-sized contractors.

Whether your client is a new contractor seeking a small bond or a multinational company with more complex requirements, we’ll develop a bond program that fits their needs. Our keen understanding of contract surety and top-tier client services could help your client win in the construction marketplace. And with our enhanced service offerings such as macroeconomic summits, peer benchmarking reports, and in-house claims and legal departments, we stand out against the competition.

Specialty Bonds

A trusted advisor, a global leader. For international and reverse flow operations, our Specialty Bonds division is the right choice.

We’re a leading provider of foreign bonds for US companies and domestic bonds for foreign companies operating in the US. With facilities in more than 18 countries, we’ve built a network of affiliated companies and fronting relationships to better serve our clients. Whether a bond is placed through Liberty Mutual or through one of our fronting partners, our Specialty Bonds team is equipped to anticipate and respond swiftly to every client’s needs.

Subcontractor Default Insurance

Poor performance by a single subcontractor can put an entire project at risk. Subcontractor default insurance (SDI), developed specifically for general contractors, helps make every project a success.

Subcontractor issues. Unexpected risks. And the challenges facing general contractors on projects large and small. At Liberty Mutual Surety, we’ve just about seen it all in the construction industry. That’s why we developed our Subcontractor Default Insurance (SDI) product. SDI ensures that general contractors remain in control of their projects, while protecting them against losses incurred due to the default of a subcontractor.


Seeking a reinsurance partner with a comprehensive product range and financial strength – plus a genuine desire to deliver for our clients? Welcome to Liberty Mutual Re. We know today’s cedants expect more from their reinsurer: agility, sharp insight, and service that serves their needs. Backed by the strength of Liberty Mutual, our global team is reinventing the reinsurance experience.


Our team of expert underwriters supports a broad portfolio of property, casualty, and specialty businesses across the globe.

It’s a point of pride that we’re known as a top reinsurer in retrocession, agriculture, and financial risks. Already a global leader in reinsurance, we’re putting down deeper roots in Europe, Latin America, and Bermuda, plus rolling out new capabilities in the US.

Learn more about Liberty Mutual Reinsurance.


If you’re looking for a long-term partner serving the wholesale market, look to us.  Our dedicated wholesale distribution and product-specific underwriting teams can work with you to create unique solutions to help address seemingly uninsurable risks.


Wholesale (Excess & Surplus)

The risk landscape is growing in complexity, creating more reasons to provide direct access to the excess and surplus (E&S) market. We are growing in the same industries as you and want to work with you to address your clients’ wholesale needs.

As companies evolve their operations to adapt to the current environment, their exposures are also shifting. The E&S market is equipped to quickly address these rapidly changing, and sometimes hard-to-place, risks.


Our teams are ready to partner with wholesale brokers to construct policies in a bespoke way that offer the limits, terms, and conditions to meet their clients’ needs. We write insurance to cover risks in a variety of areas, including:

  • Environmental
  • Healthcare
  • Professional liability
  • Property
  • Specialty casualty

With a diverse mix of industry classes, our products provide custom-built risk solutions. Review our appetite guide for a full list of our wholesale product offering and contact a member of our wholesale distribution team to find out more.

Let’s do something great together.