As a leading global specialty insurer, Liberty Specialty Markets' (LSM) Affinity & Programme Business (APB), part of our global Portfolio Solutions pillar, delivers solutions for European SME business via Delegated Underwriting, Affinity and Programme arrangements with:

  • Coverholders,
  • Managing General Agents (MGA’s), 
  • Underwriting Agencies, 
  • Wholesale Brokers, and 
  • A variety of other types of alternative distribution, such as affinity schemes and Bancassurance.  

Our investment in technology and digital trading ensures we are adapting to our partners needs and the needs of their markets. Leveraging our product, underwriting and distribution expertise, we build long term, collaborative, profitable and sustainable partnerships.


Our APB team delivers market leading solutions to business partners across Europe.

Our end-to-end holistic approach

Our capabilities and appetite

Liberty Mutual Insurance Europe SE (LMIE) is our capacity provider, a European public limited liability company registered in Luxembourg, with branches in France, the Netherlands, Germany, Switzerland, Spain and Italy.

We are able to support many different types of distribution model, including Binders, MGA delegations, affinity schemes and Bancassurance, on both lead or follow positions with a preferred minimum premium threshold of USD/EUR 250,000 (our share).

As a leading specialty insurer, we focus on serving the commercial micro/SME Business segment across our market-leading specialist product lines.

Our market-leading Affinity & Programme Business products include, but are not limited to: Financial Lines (Professional Indemnity, Directors & Officers), Marine Cargo, SME Casualty, and Fine Art & Specie.