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.


  • 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


  • 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.

Liberty Mutual Canada™ is the registered business name under which the Canadian branch of the Liberty Mutual Insurance Company operates in Canada. This literature is a summary only and does not include all terms, conditions, or exclusions of the coverage described. Please refer to the actual policy language for complete details of coverage and exclusions.