To ultimately win your customers a customized solution, we encourage our agent partners to provide a solid background story when submitting an account for our team to review. Liberty Mutual continues to be a significant carrier relationship with Halcyon Underwriters. Together we aim to go after risks that fit their mid to large commercial market, which is identified as a minimum premium of $150,000. There is a wide range of class segments within Liberty’s Middle-Market appetite. Halcyon Underwriters and Liberty Mutual offer your agency a team of expert professionals and a consultative approach to deliver a smooth underwriting process, claims, and risk control management.
Appetite Focus
There are various industry segments that Liberty Mutual targets larger accounts contingent upon the class of business. From manufacturing, hospitality, to retail Liberty Mutual is confident in its efforts to win these risks and provide phenomenal service to the insured.
Manufacturing
- Industrial equipment and machinery
- Fabricated Metals
- Stone, clay, and glass
- Textiles
- Wood, paper, and Furniture
- Rubber and plastics
Construction
- General building contractors
- Water, sewer, and pipeline
- Design-build contractors
- Erection of building equipment
- Concrete
- Heavy construction
- Specialty tradesExcavation
Professional and other Business Services
- Accountants
- Advertising Agencies
- Architects and engineers
- Business Services
- Consultants
- Lawyers
Wholesale
- Hardware and electrical appliances
- HVAC and plumbing
- Transportation equipment
- Stationery, paper, and office supplies
- Clothing, footwear, and accessoriesBook, periodicals, and newspapers
Entertainment
- Movie theatres
- Museums and art galleries
Finance
- Insurance agents, brokers, and services
Hospitality
- Luxury, full-service
- Professionally managed
- Upscale
Miscellaneous repair
- Watch, clock, jewelry repair
Public Entity
- K-12 schools (excluding public school districts)
- Private schools
- Charter schools
- Community or junior colleges 10,000 students or less, excluding D1 sports colleges
Real Estate
- Office and light industrial
- Vacancy <20% on average across the schedule
Restaurants
- Fine or upscale dining, no late-night alcohol sales
Retail
- Catalog, mail order, direct selling
- Clothing and shoes, department, general merchandise stores
- Hardware and furniture stores
- Upscale grocery, retail bakeries
Technology
- Computer hardware and peripherals
- Computer software
Coverages Available
Liberty Mutual also offers several lines of coverage; Auto, General Liability, Property, Workers Compensation, and Umbrella/Excess. Moreover, there are specialty lines available provided by Ironshore, a Liberty Mutual company:
| Cyber | Contractors’ Pollution | Professional Liability |
| Environmental coverage that covers GL | Site pollution | D&O including EPLI, fiduciary and crime |
Conclusion
Partner with Liberty Mutual and Halcyon to win these large accounts while simultaneously providing top-notch service to the insured. Liberty Mutual competitively writes in these class segments offering various lines of coverage. With our access to Ironshore, we can offer specialty lines of coverage as well.
Call your assigned Middle Market commercial underwriter today to discuss risks with a minimum premium of $150,000 that fit these class descriptions. We look forward to learning about the opportunities that may fit Liberty Mutual’s appetite.
This content is strictly informational and should not be used as specific advice on insurance products, legal, accounting, and/or tax related matters. Insureds should always contact the appropriate licensed professional for their insurance, legal, accounting, or tax needs.
