Cargo vans in a parking lot

U.S. auto

With our commercial auto coverage, you gain reliable, flexible protection for your fleet.

It’s part of our extensive suite of auto products and capabilities, designed to protect your commercial vehicles, whether in the U.S. or Canada.

Backed by our team of experienced underwriters, claims specialists, and risk engineers, it’s a best-in-class solution for your commercial auto needs.

A protective partnership

Solutions for complex risks

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
  • 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 every state
  • 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 million
  • Excess capacity: $50 million

Our 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

Have a question?

Contact your local Liberty underwriter for more information.

The materials herein are for informational purposes only. All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Any such case study, example, or illustration cannot guarantee you will achieve similar results or outcomes. Individual outcomes may vary based on your particular facts and circumstances, policy language, and applicable law. Coverages and features are not available in all provinces and territories. Eligibility is subject to meeting applicable underwriting criteria. Learn more about Liberty Mutual Canada, including our privacy policy, at libertymutualcanada.com or call us toll-free at 800-461-5079.

Liberty Mutual Canada is the registered business name under which the Canadian branch of Liberty Mutual Insurance Company operates in Canada. Coverage provided and underwritten by Liberty Mutual Insurance Company.