D&O – Private

Liberty Mutual Canada is proud to be one of the top 3 domestic D&O insurers in Canada.* Our market-leading Private Advantage Liability (PAL) product is equipped with D&O, PTL and EPL with Entity coverage, designed with extensions that keep pace with the rapid changes of today’s legal environment. Regardless of the industry you serve, our PAL product can be tailored to fit the unique needs of your business.

*based on GWP as reported in the 2018 OSFI Results

Target classes

We have a broad appetite covering a majority of industries with a few exceptions noted below. However, generally we are targeting companies that are financially stable with experienced directors and officers.

Generally excluded from appetite

  • Adult entertainment
  • Bio-tech/pharma
  • Cannabis
  • Construction (general contractors)
  • Cryptocurrency/blockchain
  • Entertainment/hospitality
  • Retirement/long-term care homes

Policy highlights

  • Non-rescindable “Side A” insuring agreement
  • Additional $1M “Side A” limit of liability for executives
  • NIL deductible for “Side A” claims, defence costs for “Side B” claims and “Side C” claims occurring in Canada (except from a claim based on wrongful employment practices) and investigation costs or public relations costs
  • Broad definition of “executive” and “employee”
  • Bodily Injury, Property Damage (BI/PD) exclusion not applicable to:
    • emotional distress, humiliation or mental anguish or injury resulting from libel, slander, defamation or disparagement or from a violation of an individual’s right of privacy caused by wrongful employment practices
    • defence costs on account of any claim under section 217.1 of the Criminal Code, R.S.C. 1985, c. C-46, Bill 168, the United Kingdom Corporate Manslaughter and Corporate Homicide Act of 2007, or any similar legislation, against an Insured Individual
  • Personal Coverage for statutory Liabilities in Bankruptcy
  • Public Relations Costs for Crises (Sublimited)
  • Coverage for Penal and Criminal Proceedings for both the Insured Individuals and Insured Entity (Sublimited)
  • Coverage for any formal inquiry, investigation or commission for both the Insured Individuals and Insured Entity (Sublimited)


$25 million

The Liberty difference

  • Access to our a highly-acclaimed broker portal, LibertyQuote.ca, that issues policies immediately
  • Ability to offer multi-year policies up to three-years to ensure greater protection and reduce the time and cost spent on annual renewals
  • Ability to offer up to 10 years “Run-off” coverage when the parent organization is sold, providing extra security for the executive team
  • Experienced underwriting and claims team with the ability to correspond in English, French, Greek, Spanish, Cantonese & Mandarin
  • “Fast-track” renewal process


You wanted an easier way to submit applications. This is it. LibertyQuote.ca is a portal that can be used to instantly obtain quotes, submit applications, and bind policies for private Directors and Officers (D&O), non-profit D&O, Employment Practices Liability (EPL), Pension/Fiduciary Liability, and Commercial Crime.

Some key features of LibertyQuote include:

  • Limits of Liability up to $5 million ($1 million for crime)
  • Online application can be completed by client or broker
  • Real time quotes on a broad Private D&O/non-profit D&O/EPL/Fiduciary or Crime policy wording
  • Instant policy documentation via email
  • Able to process clients with revenues up to $100 million, and companies with up to 500 employees (including 50 in the U.S.)

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