Liberty Mutual Insurance

Our Business

Since 1912, we've grown our organization into the sixth largest global property and casualty insurer - based on 2020 gross written premium - by maintaining our commitment to the belief that progress happens when people feel secure. At Liberty Mutual Insurance we work hard every day to support our customers and our people, so they can protect their families, build their businesses and invest in their futures.

We are headquartered in Boston, but our people, our customers and our reach span the globe. So to better serve our global customers and employees, we are organized into three business units.

https://www.libertymutual.com/

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Agriculture/Farm

Equine and livestock insurance helps protect individuals and businesses against financial losses related to horses, cattle, exotic animals, and more.

Business Auto

Keeping your fleet moving Managing commercial auto exposures and costs poses an ongoing challenge to businesses across a variety of industries, whether for a few vehicles or an entire fleet. Trends like crowded roads, distracted driving, a shortage of skilled commercial drivers, and rising repair costs all contribute. The challenge is more than spotting potential risks, though — it’s also knowing how to mitigate and protect against them. Our commercial auto solutions are designed to do just that. Solutions for complex risks Any company with commercial vehicles deals with accidents – and with each come the time and money spent on repairs, medical bills, and legal expenses, which can be significant after a major incident. Our commercial auto solutions can provide coverage for liability, physical damage, bodily injury, uninsured motorists, and more so that you can minimize losses, get back on the road quickly, and protect your brand.

Crimes, Bonds, Surety, Fidelity

As the world’s largest surety, we help contractors and businesses of all sizes access the surety bonds they need to thrive. We’ll work with you across a range of industry sectors and global markets on projects of all sizes. With Liberty Mutual, every surety solution is backed by the financial strength and stability of a Fortune 100 global carrier.

Inland Marine

For assets on the move Standard property coverage is typically designed to protect the assets at your business address. But if your company has assets that are under construction or frequently move to different locations, inland marine insurance can provide important added protection. Whether it’s for an active construction project, inventory in transit, equipment on a job site, or materials stored by a subcontractor, our inland marine insurance solutions can help protect your company’s assets. With inland marine expertise across our underwriting, risk engineering, and claims teams, you can count on us to help protect your property on the move.

Middle Markets

Liberty Mutual Strengthens Operation Serving Middle Market Buyers and Brokers Enhancements Include Adding a Dedicated Midsize Umbrella Team, a New Geographic Region based in Chicago, and a New Leader for the Northeast BOSTON (April 29, 2020) – To better serve middle market businesses and the insurance brokers and agents who support them, Liberty Mutual’s National Insurance Middle Market operation recently made three strategic enhancements. First, it embedded an umbrella underwriting team within its Middle Market operation. This makes it easier and faster to provide whole-account solutions for middle market brokers and buyers. Lisa Gentile, who is based in San Francisco and formerly served as Vice President of Excess Casualty at Travelers, leads the midsize umbrella underwriting team. Second, Marcus Cooper joined Liberty Mutual and leads a new Midwest division that was created in an effort to better serve area middle market buyers and brokers. Cooper joined from Zurich, where he ran the company’s country-wide middle market operation. Cooper is based in Chicago and leads a team of regional underwriters. Third, it appointed John Schwirtz to lead the Northeast division. Schwirtz joined Liberty Mutual ten years ago and has held a number of important positions, most recently leading a team of Energy underwriters through Liberty’s expansion into the Houston market and the utility sector. Schwirtz is based in Boston. “Liberty Mutual is committed to growing and leading in the midsize commercial insurance market,” said National Insurance Middle Market General Manager Matt Waters. “These strategic investments will make us easier to do business with and strengthen the value we provide to our brokers and buyers.”

Ocean Marine

Port-to-port protection Shipbuilders, port operators, cargo owners, vessel operators, and transporters around the globe rely on us to help protect their assets while they’re on or near the water. We do this by cultivating and maintaining a global network of marine professionals, making their expertise available to our customers wherever they are. With coverage tailored to each customer’s needs, our ocean marine solutions are backed by experienced underwriters, risk engineering specialists, and claims professionals who know your business. Marine cargo Marine cargo insurance helps cover physical loss or damage to goods during international transit and can also extend to cover inland transit shipments and goods in storage. Explore Marine hull, P&I, and builder’s risk Our marine hull, protection and indemnity (P&I), and builder’s risk coverages can help cover accidental loss or damage to vessels on the water or at the dock and can even cover ships under construction. Explore Marine liability Our coverage can help protect against third-party claims of property damage or personal injury stemming from accidents in the course of maritime business. Explore Marine business owner’s policy Our marine business owner’s policy (BOP) helps protect small and midsized businesses engaged in marine-related activities with a package of general liability, excess liability, hull, and equipment coverages. Explore

Small Commercial

Insurance for small businesses Running a business is a full-time job — and then some. And whether you are the only employee or have a growing staff, you want peace of mind that your insurance coverage will protect what you’ve worked so hard to build. At Liberty Mutual Insurance, we have the expertise, coverages, and local resources to do just that. We also know that you are busy and don’t want to spend your time figuring out the complexities of insurance. That’s why we offer our products exclusively through independent agents in your community who are skilled at matching our coverages with your specific needs. Small business solutions We bundle property and liability coverages for more than 300 classes of businesses into a single policy that can be tailored to address your specific needs. Our solutions include: Business owner’s policy (BOP). A BOP combines business property and general liability insurance in one policy and is designed for smaller businesses. Commercial package. A commercial package also offers property and general liability protection, along with broader coverage options and higher policy limits. This package provides a comprehensive solution for small and midsize businesses with more complex needs that may not be eligible for BOPs. With our small business solutions, you get the protection of two key coverages in one convenient policy: General liability. Protects your business and employees against third-party lawsuits related to personal injury, property damage, and more Property. Protects your place of business and the equipment, furniture, and other physical assets inside in the event of theft or damage You can also round out your coverage with other options, including: Commercial auto Equipment breakdown Inland marine Umbrella Workers compensation And every policy is backed by our financial strength and security as a Fortune 100 company.

Umbrella

Protection from the unexpected Catastrophic claims don’t happen every day – but without the right protection, one severe accident can damage a company’s reputation, market share, and bottom line. Help protect your business from these events with our umbrella and excess liability solutions. Our umbrella coverage can expand protection over existing liability policies, helping mitigate the risk of coverage gaps. And for companies seeking extra protection, our excess liability solutions can offer higher limits for underlying policies to help safeguard against unforeseen, catastrophic losses. Solutions for complex risk Escalating jury verdicts and rising medical costs have complicated liability exposure in recent years. Add in litigation funding and other emerging trends, and your business may no longer be adequately protected against today’s exposures. Our umbrella and excess liability solutions from Liberty Mutual and Ironshore offer a range of options in addition to underlying primary general liability and commercial auto policy limits, including: A broad and flexible appetite for a variety of industries Up to $25M lead umbrella capacity to support our primary lines Up to $100M excess capacity Protection for domestic and international exposures We can also match the standard terms and conditions of lead umbrella and excess policies to ensure that there are no gaps in coverage.

Workers Compensation

Bringing empathy to workplace injuries Employees are the driving force behind a company’s success. And for that very reason, creating a safe work environment is paramount for businesses of all sizes and industries. Even with this focus, disabling workplace injuries still cost U.S. businesses more than a billion dollars a week . In addition to the significant financial impact, the absence of valued employees suffering from injuries or illnesses can also negatively affect so much more, including company morale, business relationships, and brand reputation. With more than a century of experience, we can provide the support and resources to help companies improve safety, protect employees, and control workers compensation costs. Solutions for complex risks When workplace injuries happen, workers compensation (WC) insurance provides important protection for businesses and employees, including: Lost wages and medical treatment resulting from an employee’s work-related injury or illness Services to help an employee recover and return to work Our teams take a collaborative approach and deliver holistic strategies to address your WC challenges. Count on us to: Help identify work site hazards Recommend practices to help reduce the risk of accidents Resolve claims efficiently and fairly Support injured workers during their recovery What sets us apart is our focus on connection and clarity – with our customers and their employees. From start to finish, we ensure injured workers feel supported and empowered to heal, while employers remain confident and informed at every step.