U.S. Auto
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.
Target
- 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
Capacity
- 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
