Tailored protection for niche industries
Liberty Mutual Insurance is a leader in the specialty insurance program market and delivers comprehensive solutions for businesses with unique coverage needs or hard-to-place risk. We offer a wide range of programs, from contractors and scrap metal dealers to fine arts and museums.
And all our programs are managed by proven, established program administrators that have the in-depth knowledge to develop customized solutions for the niche markets they serve.
Our program customers also feel confident in a carrier that has more than 35 years of experience developing specialty programs and offers the strength and stability of a Fortune 100 company.
Solutions for hard-to-place risk
For your agency’s clients
If your agency is looking for specialty insurance programs that offer tailored coverage for businesses in niche industries, look no further than Liberty Mutual .
From non–profits to scrap metal dealers, your clients with hard-to-place risks can receive coverage that fits their needs. We can even help protect your agency with our insurance agents’ errors and omissions program.
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.
For program administrators
Liberty Mutual understands the program business and we have a dedicated team of professionals that focuses on meeting the needs of administrators and the niche markets they serve.
When you work with us, you’ll benefit from our:
- Solid reputation, financial strength, and stability as a Fortune 100 company
- Distribution reach, which includes access to more than 10,000 agent locations
- Marketing expertise and resources to develop marketing plans and programs
- Array of coverages to meet specific needs of target business classes
- Flexibility to offer multiple underwriting methods and distribution types
Our goal is to develop profitable and long-term relationships with experienced program administrators that have underwriting, marketing, and distribution expertise on homogeneous classes or business segments.
Our programs portfolio
Explore our comprehensive portfolio, all supported by the strength and stability you’ve come to expect from us.
- Antique and collectible automobiles
- Auto dismantlers
- Behavioral health
- Commercial hull
- Concrete pumpers
- Contractors (workers compensation only)
- Employer stop loss
- Excess flood coverage
- Excess property
- Fire suppression and sprinkler contractors
- High-value musical instruments
- Hospitality and leisure
- Hotels, resorts, and casinos
- Insurance agents’ errors and omissions
- Lessors’ risks
- Physicians & surgeons
- Post-surgical for bariatric and plastic surgeries
- Private art collections
- Protection and indemnity
- Real estate exposures
- Roofing contractors
- Scrap metal dealers
- Sports and fitness
Please complete our program assessment to start the conversation and our initial review. Thank you for your interest in working with us!
This 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.