Liberty Specialty Markets, a division of Liberty Mutual, is an Excess & Surplus lines carrier. When any policy is written by an Excess & Surplus line insurance carrier, a disclosure of that information is required by law. For the policyholder, (that's you) it means IF the carrier were to become insolvent, the policyholder would not be eligible for recourse through the state guarantee fund. However, financial strength was one of the many reasons we chose to partner with Liberty Specialty Markets. Liberty Specialty Markets, rated A (Excellent) from A.M. Best, is part of the Liberty Mutual Insurance Group, a Boston-based US Fortune 100 company which, as of 31 December 2016, had $125.6 billion in consolidated assets.  

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