U.S. Workers Compensation
U.S. Workers Compensation is state-mandated insurance that covers lost wages and provides medical benefits to employees who have suffered a workplace injury or disease. Our dedicated team in Toronto and Calgary provides easy placement and quick response time to any questions you may have.
Target classes
- Canadian owned businesses with U.S. employees and a focus on risk reduction
Our appetite is broad, but some target industries include:
- Construction trades
- Oil and gas services
- Food and beverage
- Manufacturers, distributors, and wholesalers
- Property management
- Retail
- Power and utilities
- Distributors
- Real estate and financial institutions
What we’ve been writing
- Non-invasive medical cosmetic procedures
- Multi-faceted property management company with interests in renewable power energy and private equity
- E-commerce retailers specializing in software design, website development and media marketing
- Manufacturing risks involving machinery, food, plastic products and steel fabrication
- Fabrication and installation of fall arrest safety systems
Generally excluded from appetite
- Drilling
- Heavy construction
- Underground mining
- Forestry
- Trucking/transportation/courier services
- Offshore oil and gas
- Long-term care facilities/retirement homes
Policy highlights
- Liberty Mutual is able to provide coverage as part of an overall property and casualty program or on a standalone basis
- Statutory Workers Compensation coverage with $1M Employers’ Liability limits included
- Coverage includes medical, indemnity and expenses arising out workplace injury or diseases resulting from scope of employment, and as per state benefit levels
- Occurrence based coverage
- Licensed to write in all states excluding the monopolistic states of Ohio, North Dakota, Washington and Wyoming – coverage in these states is provided by the individual state Workers Compensation Bureau
The Liberty difference
- Skilled local underwriting team with over 25 years of experience, professional risk control consultants, and expert claims management
- Dedicated single point of contact for ease of doing business
- Fast turnaround times due to local authority
- Direct access to the Liberty Mutual Group, one of the largest writers of U.S. Workers Compensation
- Continuing education approved seminars in AB, BC and ON
Broker and client resources and tools
- Fast claims reporting either online or through Liberty Mutual’s 24-hour 1-800 centralized claims reporting center
- Easy access to claims data through an individual client based portal site
- Online safety tools to assist with client risk management
- Assigned U.S. regional claims teams