​Leading-edge coverages

Local expertise. Global reach. Our commercial, farm, and home coverages provide seamless protection.

From a large commercial property risk or a complex farm operation, to a standard BOP, our team of experienced underwriters supports a broad portfolio of commercial, farm, and home coverages that helps policyholders prepare for unforeseen risks.

Commercial

From the standard BOP to the large commercial risk, we offer both reinsurance and unique individualized coverages for damage from electrical, mechanical, and pressure systems breakdown, including:

    • Short circuits, electrical arcing, utility power surges, mechanical breakdown, motor burnout, and pressure systems breakdown
    • Expenses related to replacement costs for damaged equipment, or to spoilage that results from a breakdown of covered equipment
    • Expenses incurred to limit loss or speed up restoration of operations, loss of business income, and extra expenses, if included in the base policy

Farm

Comprehensive coverage for damage to farm equipment caused by electrical, mechanical, and pressure system breakdown, including:

    • Centrifugal force, misalignment, motor burnout, short circuits, electrical arcing, or power surge
    • Expenses related to replacement costs for damaged equipment, or to spoilage that results from a breakdown of covered equipment
    • Expenses incurred to limit loss or speed up restoration of operations, loss of business income, and extra expenses, if included in the base policy

Home

Comprehensive coverage for electrical, mechanical, and pressure system equipment that homeowners rely on, including:

    • Air conditioning units, appliances, computer equipment, electronics, home systems, hot water heaters, security systems, and electrical panels
    • Expenses related to replacement costs for damaged equipment, or to spoilage that results from a breakdown of covered equipment
    • Service line coverage

This is a general description of this program and/or service. See your policy, service contract, or program documentation for actual terms and conditions.

 

​Contact us

Email us:  LMERE@libertymutual.com

Follow us on LinkedIn

Report a claim

Please refer to your First Notice of Loss document or contact:

Josemon Raju, Client Service Manager

(857) 224-7797 I Email

Schedule a jurisdictional inspection

To request a jurisdictional inspection, contact us:

 (877) 526-0020 I Email

Explore other reinsurance coverages