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Specialty casualty

Protection for niche liability risk

The business landscape is evolving, and some companies have unique operations that create niche or hard-to-place liability risks. In these situations, you need an experienced partner with the capacity and financial stability to provide flexible solutions.

Our specialty casualty coverages help protect businesses against a wide variety of liability risks and are available for a diverse mix of industry classes.

We have one of the most experienced teams in the industry and have built a refined response to manage complex casualty risks. Our knowledgeable underwriters offer structured programs and provide terms and conditions to address a wide range of complex exposures. And we leverage the skills of dedicated claims specialists to help minimize litigation and control costs.

  • Construction

    In the construction industry, there’s no such thing as a “simple” project – and we’re ready to help businesses tackle their most complex liability challenges head on. Count on us to deliver expert underwriting, responsive service, and targeted solutions for the construction sector.

    Coverage highlights:

    • Primary limits: $1M/$2M/$2M, $2M/$2M/$2M, $2M/$4M/$4M
    • Excess limits up to $50M

    Additional solutions:

    • Designers and contractors professional liability. Helps protect design-build contractors against claims alleging defects or other mistakes during construction projects.
    • Owners protected and professional indemnity. Offers added protection over primary professional liability policies and can help safeguard project owners against damages resulting from first- and third-party claims of negligence.

    Our solutions can meet the needs of a broad array of construction operations, including commercial wrap-ups/project specific and owner’s interest and practice policies as well as contractors for commercial general, water and sewer, waterproofing, and more.

  • Energy

    Energy companies keep the world moving. With so much on the line, having the right protection to manage unique and far-ranging liability risks is critical.  Our excess liability solutions offer that protection. Count on us to deliver expert underwriting, responsive service, and customized solutions for the energy sector.

    Coverage highlights:

    • Limits up to $25M
    • Available on a claims-made and occurrence basis

    Our solutions can meet the needs of a variety of energy companies, including onshore and offshore lease operators and nonoperators, oil and gas equipment, tool manufacturers and lease site products, pipeline operations, gas processing plants, refineries, petrochemical manufacturers, and hard rock, metal, and mineral mining operations.

  • Excess and umbrella liability

    Catastrophic claims don’t happen every day – but without the right protection, one high-cost occurrence can damage a company’s reputation, market share, and bottom line. Our solutions can help protect businesses from these events.  Our team is ready to deliver expert underwriting, responsive service, and tailored solutions.

    Coverage highlights:

    • Up to $10M lead umbrella capacity
    • Up to $50M excess capacity
    • Available on an occurrence or claims-made basis

    Our excess and umbrella liability solutions are suited for a range of business types, including contractors, distributors, financial institutions, manufacturers, real estate and hotels, retailers, and wholesalers.

  • General liability

    We cover specialized general liability for a wide range of industry groups, including manufacturing, energy, commercial construction, services wholesale, and real estate. And we can offer a flexible approach and comprehensive product offering to address a variety of general liability risks.

    Coverage highlights:

    • Primary limits: $1M/$2M/$2M, $2M/$2M/$2M, $2M/$4M/$4M
    • Available on a claims-made and occurrence basis
  • Railroad

    When work takes place on or close to railroad tracks, having the right insurance protection is critical. We are ready to help, bringing expert underwriting, responsive service, and targeted solutions to address the unique and complex exposures of the railroad sector.

    Our railroad liability solution helps protect railroad operations against first- and third-party risks and includes the following coverages:

    • General liability (GL)
    • Excess liability
    • Railcar lessors (contingent liability)
    • Railroad liability
    • Railroad property
    • Railroad protective liability
    • Passenger railroad liability

    Coverage highlights:

    • Primary and excess limits up to $25M (excluding primary GL)
    • Primary general liability limits up to $5M
    • Property limits up to $10M
    • Available on a claims-made and occurrence basis for liability coverages

    Our solutions are ideally suited for freight and passenger railroads, railcar lessors, railroad excursion and passenger operations, and track and maintenance contractors.

Ironshore: Wholesale Specialty Casualty solutions

Ironshore, a Liberty Mutual Company, is dedicated to the wholesale market and offers specialty and excess and surplus (E&S) insurance-based solutions.


Related insights

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.