Liberty Specialty Markets, part of Liberty Mutual Insurance Group, has introduced a tailored insurance proposition designed specifically for mid and upper-mid sized retail companies. The new offering follows a successful pilot and reflects the company’s continued commitment to strengthening its regional presence across the UK and Ireland.
Through dedicated hubs in Manchester, Bristol, and Dublin, supported by its London headquarters, Liberty aims to deliver insurance programmes shaped around the distinct risk profiles of individual retail businesses. This approach is intended to give clients more direct access to specialist support and more adaptable solutions.
Its regional teams will make underwriting, claims, and risk engineering expertise more readily available, helping businesses address exposures that are specific to their operations. By combining these services, Liberty is positioning itself to offer flexible and responsive insurance support rather than a standardised market solution.
For many mid-sized retailers that may not have dedicated in-house risk specialists, this proposition also brings valuable guidance on risk mitigation. Liberty’s teams will share insights on both existing and emerging threats across particular retail segments, helping businesses better understand and manage evolving challenges.
Before policies begin, Liberty will carry out site visits to build a more detailed understanding of each client’s operations and risk environment. This early engagement is expected to support stronger risk prevention measures and improve claims handling, allowing for quicker and more accurate decisions when losses occur.
According to Stuart Sutherland, head of UK retail at Liberty Specialty Markets, the business is focused on acting as a long-term risk partner for clients. He noted that the launch is especially relevant at a time when the mid-market is becoming increasingly commoditised, making tailored service and integrated expertise more important for retail businesses.
By engaging with clients before a loss happens, Liberty believes it can provide more informed, responsive, and effective support when businesses face their most difficult moments. Its integrated model brings together underwriting, claims, and risk engineering to improve outcomes when timely action matters most.
