Casualty

Casualty

We provide casualty protection across a broad range of territories and business occupations from our Head Office in London and through our regional offices in the UK, Continental Europe, Latin America and the Middle East.

Business is written across a wide spectrum of industries and clients, including commercial, industrial and manufacturing. We pride ourselves on providing an integrated service including quality underwriting, bespoke risk management and an efficient and fair claims service.

Casualty - US

Our focus is on both affinity and commercial operator business, written through dedicated coverholders with a proven track record in risk management and an exemplary claims record. We provide a flexible approach to underwriting to suit the industry sector and can develop bespoke policies tailored to individual requirements.

The majority of our product offering within the portfolio utilises the CGL (commercial general liability) ISO product, issued on an ‘occurrence’ basis, however, we also underwrite professional liability written on a ‘claims made’ basis, including various ‘claims made’ extensions which can be tailored towards individual programs and coverholder requirements.

Target Markets

  • Sports and Leisure Industry
  • Recreational Marine and Air Sports
  • Special Events
  • Artisan Contractors
  • Contingent Auto
  • General Retail
  • Liquor Liability
  • Contingent Products

Coverage

  • CGL with standard limits of up to USD 5 million occurrence and in the aggregate, higher limits available on request
  • Professional Liability with standard limits of up to USD 5 million occurrence and in the aggregate, higher limits available on request
  • Various claims made extensions where applicable
  • Hire and non owned Auto liability, Management Liability, Inland Marine, Property, Financial Crime, Liquor Liability and Marine packages can also be included

Specialist Lines

In order to grow our core General Liability business portfolio, we can also offer additional specialist lines of cover to our partners, such as:

  • Environmental Impairment Liability
  • Cyber
  • Professional Indemnity

These products can be offered as an enhancement to our standard liability wordings or on a stand-alone basis.

Line Size

  • USD 10 million

Territories

  • US and Canada

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Casualty - International

Our General Liability policies are issued on an “occurrence” basis, providing protection for losses that occur during the period of insurance. As well as providing standard wordings specific to your trade, we can also develop bespoke policies to meet your individual requirements.

Target Markets

  • Light contractors
  • Retailers
  • Wholesalers
  • Light manufacturing
  • Professional services
  • Tour operators
  • Sports clubs/associations
  • Motorsports
  • Adventure activity providers
  • Leisure sector

Cover

  • Combined Employers’ Liability and Public/Products in the UK
  • Public/Products Liability for non UK business
  • Occurrence based with ‘Claims Made’ extensions where applicable
  • Any One Occurrence Limits for EL, PL and in the Aggregate for Products
  • Cover extended to include Financial Loss for appropriate trades
  • Court Attendance and Legal Expense Cover
  • Broad endorsement suite of extensions are available on a trade specific basis

Specialist Lines

In order to grow our core liability business portfolio, we can also offer additional specialist lines of cover to our partners, such as:

  • Environmental Impairment Liability
  • Cyber
  • Professional Indemnity

These products can be offered as an enhancement to our standard liability wordings or on a stand-alone basis.

Line Size

  • Up to GBP 10 million (or currency equivalent)

Territories

  • Territory focus is Australia/New Zealand, UK and Canada

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Casualty - UK, Europe & MENA

We deliver a broad range of liability products to a commercial client base from our UK and Continental European branch network.

Business is underwritten on a range of policy wordings that are both bespoke to our customer base and on a ‘follow form’ basis.

Our underwriting approach involves a thorough analysis of the risk and industry sector, the utilisation of Risk Management resources and ultimately an integrated underwriting and claims management approach that offers our insured client base an all encompassing risk transfer solution.

Target Markets

  • Manufacturing
  • Construction
  • Transportation
  • Chemicals
  • Oil and gas
  • Wholesale operations
  • Retail operations

Products

  • General/Public Liability – on a primary and excess basis
  • Product Liability – on a primary and excess basis
  • Employers’ Liability – on a primary and excess basis (for both on an offshore risks)

Line Size

  • Primary/low excess: GBP 10m, USD 15m, Euro 15m, Swiss Francs 15m
  • High excess*: GBP 30m, USD 50m, Euro 50m, Swiss Frances 50M

*business written at an attachment point of GBP 15m, USD 25m, Euro 25m, Swiss Frances 25m (or currency equivalent) or higher.

Energy, Construction, Marine Liability

Focusing primarily but not exclusively on US clients with both domestic and worldwide presence, our Energy Liability team also has extensive experience in marine and construction liability.

Energy liability is a growing market and complements the strong reputation Liberty already has in the energy sector.

Target Markets

Energy / Marine

  • Industries associated with Oil & Gas sector
  • Onshore / Offshore E&P
  • Up-stream
  • Mid-stream
  • Down-stream
  • MEL

Construction

  • Home builder
  • Infrastructure projects
  • Over water construction

Line Size

  • Primary
  • Umbrella
  • Excess

Territories

  • USA / Rest of the World