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Umbrella and Excess

You don’t have time to waste. Capacity, stability, speed, you want it all. We have it. And, by utilizing local authority, our underwriters have the experience to quickly deliver well-considered decisions, and offer customized Umbrella and Excess coverage that meets your needs.

Target classes

  • Commercial and industrial construction including specialty trade contractors
  • Financial services
  • Manufacturing and distribution
  • Oil and gas
  • Power and utilities
  • Real estate ownership and management
  • Wholesale and retail

Generally excluded from appetite

  • Aircraft and aerospace products or operations
  • Hospitals including malpractice
  • Municipalities
  • Pharmaceutical and life science companies
  • Passenger hazard (taxi/limo, buses/school buses)
  • Automobile manufacturers
  • Tobacco and related products including e-cigarettes and vaping products

Policy highlights

  • Umbrella and Excess Liability (Occurrence, Claims-Made and Occurrence Reported) and Excess Wrap-Ups;
  • Customized policy terms and coverage
  • Ability to schedule a wide variety of liability coverages


  • Umbrella / Lead Excess: $25 million CAD or USD
  • Non-Lead Excess: $50 million CAD or USD

The Liberty difference

  • The technical expertise of Liberty Canada’s underwriters, risk engineers, and claims staff allows us to write complex risks
  • Worldwide coverage
  • U.S. admitted policy capabilities to cover all your cross border needs (CGL, 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