Making Liberty Specialty Markets the European leader in specialty insurance.

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With the ambitious Invest in Europe 2030 program, what are your objectives for LSM in Europe?

Our ambition is to become the European leader in specialty insurance by combining profitable growth with underwriting discipline. Invest in Europe 2030 aims to double our regional premiums by expanding our footprint, enhancing our product offering, and strengthening our risk engineering capabilities. Our mutual culture and the support of Liberty Mutual Group give us the ability to invest consistently and adopt a 20-year perspective, enabling us to develop differentiated and sustainable solutions for brokers and businesses.

Concretely, what initiatives will accelerate LSM’s growth?

We are prioritizing targeted investments in technology and artificial intelligence. We have deployed a digital platform that allows brokers to quote, bind, and issue documents autonomously. Following the launch of D&O in France, we will roll out additional products and countries in 2026.

AI is now also integrated into underwriting, operations, and claims management to speed up pricing decisions, improve fraud detection, and streamline claims handling, while enhancing service quality.

At the same time, we are strengthening our positions in strategic segments — Cyber & Technology, Financial Institutions, Liability, Fine Art & Specie, Renewable Energy, and Infrastructure — along with recruiting in risk engineering.

What presence and distribution strategy do you favor?

We adopt a “local-first” approach: proximity of our underwriters and claims teams to brokers and clients is essential to understand risks and act quickly. After 25 years of presence in six continental European countries, we opened an office in Oslo in 2025 and plan to open in Antwerp in 2026.

In France, we opened a Lyon office in 2025, which already has five employees, and strengthened our teams across various lines and in Claims while reorganizing our commercial structure. The result: greater proximity and deeper understanding of our partners’ and clients’ needs.

In parallel, we are developing multinational capabilities to offer cross-border solutions that comply with local regulations and meet the needs of international groups. Our differentiation lies in listening to partners, operational efficiency, and speed of execution. We work with wholesale brokers, MGAs, and coverholders to deliver specialized products supported by enhanced digital capabilities, as well as with export agencies for political risk solutions.

Over a 20-year horizon, our mutual model, continuous investments, and culture of innovation form a solid foundation to help brokers and clients seize key opportunities in the European market.