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U.S. Auto

Transport trucks parked side by side

With U.S. Auto coverage from Liberty, there’s no need to sub-contract a U.S. broker. We’re licensed to write automobile insurance in all provinces and states, and our experienced underwriters can help advise on state-specific endorsements and filings.


  • Fleet business written in connection with another Commercial Insurance policy
  • Risk managed fleets
  • U.S. admitted paper

Our appetite is broad, but some target industries include:

  • Construction
  • Contractors
  • Distributors
  • Manufacturing
  • Mining
  • Oil & gas services
  • Utilities

Generally excluded from appetite

  • Accounts with fewer than five commercially-rated power units
  • Hauling of hazardous good and toxic waste
  • Passenger hazard (taxis, tour buses, school buses, etc.)
  • Truckmen operations (for-hire & long haul)

Policy highlights

  • Licensed to write automobile insurance in all states
  • Able to coordinate high retentions by means of deductible agreements and self-insured retention agreements
  • Able to write garage automobile when written in support of another commercial lines line of business with Liberty
  • Centralized U.S. filing department
  • All state-mandated endorsements and fees are managed by Liberty
  • We issue identification cards and report registered vehicles to the department of motor vehicles


  • Third party liability: $2 milion
  • Excess capacity: $50 million

The Liberty difference

  • No need to sub-contract to a U.S. broker
  • Extensive resources including a broad range of endorsements and loss control resources
  • High level of expertise with U.S Auto
  • Ability to cross-sell with U.S. Workers Compensation, subject to certain requirements

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