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U.S. Workers Compensation

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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
  • Energy services
  • Food and beverage
  • Manufacturing
  • Property management
  • Retail

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

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 & 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

Report a claim

To report a U.S. Workers Compensation claim, please call:
1-800-362-0000

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