Growing captive liability lines – Environmental, product recall & tenant risks 

• GL, auto liability, workers’ comp most common liability lines in US 
• Liability’s long tail nature complements short-tail lines such as property 
• Product recall & tenant liability becoming more frequent 
• Insureds placing large excess liability limits in captives to build loss fund 

Environmental liability is among several liability lines where captives are particularly well positioned to provide parent companies with a strong alternative to the traditional insurance market. 

General liability, auto liability, and workers’ compensation have historically been common liability lines written by captives in the United States, while lines such as product recall and tenant legal liability are becoming more frequent.