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Serving the Canadian market in Fronting, Captives and other alternative risk management solutions since 1996.

Target classes

Companies with affiliated or subsidiary insurance companies within their corporate structure wishing to retain insurance risk by having their risk reinsured to their affiliated/subsidiary entity via a fronting company.

Policy highlights


  • Singular point of contact for all fronted coverage lines and administration (including globally admitted policy issuance)
  • Flexible policy limits (dependent on type and amount of collateral)
  • Standalone fronting placements
  • Risk transfer placements, where needed coordinated with other Liberty units
  • Captive domicile flexibility
  • Underwriting expertise, including policy form review and pricing guidance
  • Industry standard and/or manuscript policy forms
  • Access to over 90 countries via Liberty Mutual Group or strategic partners
  • Claims administration by reinsurer/insured considered subject to acceptable experience levels and appropriate third party administrator/legal counsel availability


  • Cash and/or Letter of Credit and/or Reinsurance Security Agreement
  • Amount and type required based on the specific characteristics of the fronting placement

Fronting fee

  • Negotiable (subject to $10,000 minimum), plus applicable premium taxes, boards & bureau charges
  • Claims administration fee to be charged in addition to Fronting Fee where Liberty administering claims


Dependent on type and amount of collateral provided.

Informational requirements for Fronted program

  • Full underwriting submission (including loss history)
  • Proposed policy and other related contracts
  • Audited financials for captive/insured
  • Actuarial report (where produced) on captive loss reserves
  • Retained limits/coverage line profile for captive
  • Other to be advised, as specific to fronting program under consideration

The Liberty difference

  • Servicing the Canadian market since 1996, providing fronting and other alternative risk management solutions
  • Experience in numerous industries and sectors, including petro-chemical and manufacturing
  • Seamless experience for brokers and insureds via a single point-of-contact
  • Access to services in over 90 countries via Liberty Mutual Group offices, as well as its strategic partners

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