Managing Risk through a Captive Arrangement

Even when your business is mature with sustained growth and profitability, managing risk is critical to protecting your bottom line. If your company has decided to use a captive arrangement as an alternative risk transfer solution and is looking for a strong partner, consider Liberty Mutual Insurance.

As part of a captive arrangement, your business pays insurance premiums to a specially-created insurance affiliate which can earn investment income and underwriting profits. A captive solution can better position your company to control insurance costs, improve long-term financial results, and realize potential tax benefits.

Working with an Experienced Partner

Selecting a captive structure is a complex process and whether you’re considering a single parent, group, or rent-a-captive, having expert underwriting advice and technical product support, as well as input from your business’s own legal and tax advisors, can help you make the right decision. For more than 30 years, Liberty Mutual Insurance has provided underwriting, consulting, fronting, and claims and administrative services to businesses like yours and we have the expertise and financial strength to customize a program to meet your needs.

With captive managers in Bermuda and Vermont, our team can work with you to set up an offshore or domestic captive.
We offer captive solutions for the following lines of business:

  • Workers compensation
  • Commercial general liability
  • Commercial auto
  • Commercial property
  • Medical Professional/general liability through Ironshore*

We partner with businesses in a variety of industries, including:

  • Agriculture
  • Construction
  • Energy
  • Financial services
  • Food services
  • Health care
  • ​Hospitality
  • Manufacturing
  • Retail
  • Services
  • Transportation
  • Wholesale

To learn more about our captive products and services, contact your broker or agent.


This is a general description of coverages. Not all coverages are available in all states. Contact an independent agent or your broker for policy terms, conditions, and exclusions.

*Specialty lines placed with Ironshore. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.