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General Liability

forklifts in wareohuse

Through the expertise of our underwriters, risk engineers, and claims staff, we’re able to write risks that other providers consider tough. By offering premises and product protections for a variety of risk classes and industry segments, our General Liability coverage ensures peace of mind when you need it the most.

Target classes

We have a broad appetite for business across all of our casualty products, but some of our targeted business includes:

  • Commercial and industrial construction
  • Contractors
  • Manufacturers, distributors and wholesalers
  • Oil & gas products and services
  • Real estate and financial institutions

Generally excluded from appetite

  • Aircraft and aerospace products or operations
  • Automobile manufacturers
  • Pharmaceutical and life science companies
  • Hospitals including malpractice
  • Municipalities
  • Schools
  • Tobacco and related products including e-cigarettes and vaping products

Policy highlights

  • Worldwide coverage
  • Ability to provide both occurrence and claims made forms
  • Broad named insured including automatic acquisitions
  • Locally admitted coverage
  • Seamless difference in conditions offering with U.S. policies
  • DIC/DIL over foreign admitted policies
  • Customized policy terms and coverage
  • Ability to provide both self-insured retention and deductible options


$2 million CAD or USD

The Liberty difference

  • The technical expertise of Liberty Mutual Canada’s underwriters, risk engineers, and claims staff allows us to write complex risks
  • U.S. admitted policy capabilities to cover all your cross border needs (General Liability, Automobile, Workers Compensation, Umbrella and Excess Liability)
  • Ability to work with or without a U.S. broker for U.S. policy placements
  • Significant capacity
  • Individual risk approach

Why Liberty?

  • • A.M. Best Financial Strength Rating ‘A’ (Excellent); S&P rating of ‘A’ (Strong)
  • • Efficient cross-border capabilities
  • • Established Canadian market presence for over 25 years
  • • Access to Liberty Mutual’s extensive international network
  • • Local underwriting authority
  • • Local risk engineering and risk control experts
  • • In-house claims service team