Broker-driven framework integrates LPI, REO, CPI, and compliance tracking to address rising regulatory and portfolio risk.
LOS ANGELES–(BUSINESS WIRE)–#CPI—The Liberty Company Insurance Brokers (Liberty) today announced the launch of Liberty Collateral Protection (L.C.P.), a comprehensive, portfolio-wide collateral protection solution designed to help lenders and servicers address increasing regulatory scrutiny, portfolio complexity, and uninsured collateral risk.
Developed and delivered by Liberty’s Lending & Collateral Specialty Group, L.C.P. integrates lender-placed insurance (LPI), real estate owned (REO) coverage, and collateral protection insurance (CPI) with insurance tracking, compliance oversight, and end-to-end claims administration into a single, scalable framework.
L.C.P. is led by Jose Fontes, President of Liberty’s Lending & Collateral Specialty Group, who serves as the architect of the program’s strategy, carrier partnerships, and portfolio design. He is supported by Chris Bowers, Senior Vice President, and Kayla Dowell, Program Manager, who lead implementation, governance, and day-to-day execution to ensure programs align with lender operations and regulatory requirements.
The launch reflects Liberty’s strategic investment in a highly specialized segment of the insurance market, one where traditional, vendor-driven programs often lack the flexibility, transparency, and customization lenders require as catastrophe exposure and regulatory oversight continue to intensify.
“Too many lenders are operating within collateral protection programs that don’t evolve with their portfolios, their geographies, or today’s regulatory expectations,” said Fontes. “Liberty Collateral Protection was built to function as an extension of our clients’ risk and servicing teams, delivering customizable, compliance-ready, portfolio-wide protection aligned with how lenders actually operate.”
A Broker-Driven Alternative in a Vendor-Dominated Market
Unlike traditional single-carrier or vendor-controlled models, L.C.P. operates through Liberty’s broker-driven approach, providing access to multiple A-rated carriers. This structure enables greater flexibility in pricing, coverage structures, limits, and capacity across residential, commercial, auto, and equipment collateral.
Built for institutions managing large, multi-state portfolios, L.C.P. supports organizations operating under heightened regulatory expectations, where control, visibility, and adaptability are critical to managing collateral risk effectively.
“Lenders need more than a policy,” said Bowers. “They need a partner who understands portfolio risk, compliance, and execution at scale; and Liberty Collateral Protection was designed to deliver exactly that.”
Built for Compliance, Scale, and Execution
L.C.P. combines customized master insurance programs with a technology-driven insurance tracking platform, enabling real-time monitoring, compliance reporting, and proactive risk management. The integrated framework is designed to help lenders reduce uninsured collateral exposure, improve audit and exam outcomes, and mitigate borrower complaints tied to insurance placement and servicing processes.
Advancing Liberty’s Strategic Growth
According to Bill Johnson, Founder and CEO of The Liberty Company Insurance Brokers, the launch of Liberty Collateral Protection underscores Liberty’s continued focus on building specialized solutions that address complex risk challenges across industries.
“Liberty Collateral Protection reflects exactly where Liberty is headed,” said Johnson. “We invest in people and expertise that solve real, high-impact problems for our clients. Lending and collateral insurance is a critical, highly regulated area where flexibility, service, and insight truly matter, and this solution brings that specialization directly to the market.”
Jonathan Naranjo, Managing Partner of Liberty Naranjo, added that the launch reflects Liberty’s broader commitment to empowering entrepreneurial leaders.
“Liberty’s model is designed to attract entrepreneurial talent and specialized brokers, giving them a platform to build and scale differentiated solutions,” said Naranjo. “Liberty Collateral Protection exemplifies how we partner with proven leaders to create meaningful capabilities where they see real opportunity for clients.”
Liberty Collateral Protection further expands Liberty’s national capabilities and reinforces its position as a broker that combines deep industry expertise, creative program design, and white-glove service to help clients navigate evolving risk landscapes.
To learn more about Liberty Collateral Protection (L.C.P.), visit https://libertycompany.com/commercial-insurance/specialty-programs/liberty-collateral-protection/
About The Liberty Company Insurance Brokers
The Liberty Company Insurance Brokers is among America’s fastest-growing privately-held insurance brokerages. Liberty provides entrepreneurial producers and agency leaders a unique platform to serve clients and create equity in a strong and welcoming culture built upon its core values of Integrity, Excellence, Caring, Kindness, Fairness, Teamwork, Good Feelings, and Fun. To learn more about Liberty, visit www.libertycompany.com.
Contacts
Media Contact:
Carli Humphries
Director, External Communications
949-209-4916
[email protected]
