Liberty Mutual is a national insurance company that offers all kinds of personal and business insurance policies. It offers coverage to small, midsize and large businesses across multiple industries, from construction and manufacturing to retail, healthcare, and real estate.
Liberty Mutual’s policies are sold through independent agents and brokers. You can start a quote request online, but you’ll have to connect with an agent by phone – or in person if you work with a local agent – in order to get a quote and apply for coverage.
Liberty Mutual is one of the largest insurance companies in the country, founded more than a century ago, with a presence in 29 countries. It has received strong financial ratings from reputable agencies such as A.M. Best, Moody’s, and Standard & Poor’s – which means the insurer has the financial strength to meet their obligations and pay policyholders’ claims.
Liberty Mutual sells its policies through independent brokers and agents, but you can easily find a local agent to work with regardless of your location.
Liberty Mutual provides different types of insurance coverage, depending on the needs of your business. Options include:
Business owner’s policy: Combines property and liability coverage
Commercial property: Protects your business location and its contents
General liability: Provides liability protection against claims from third parties
Cyber insurance: Offers protection against risks related to data compromise and computer-related attacks
Commercial auto: Provides liability and damage coverage for owned, leased, non-owned, and hired vehicles
Workers’ compensation: Offers coverage of medical and lost wage costs for injured employees
Umbrella: Provides an extra layer of protection by extending your liability limits
Inland marine: Offers flexible coverage for tools, goods, or equipment while it’s transported or away from your business
Farm insurance: Offers tailored property and liability coverage for family- and business-owned agricultural operations
Surety bonds: Up to $25 million for small and medium-sized businesses
Liberty Mutual offers coverage across the following industries:
Construction
Manufacturing
Medical offices
Real estate
Restaurants
Retail
Personal services
Professional services
Wholesale
You can apply for a policy by phone or through a local Liberty Mutual agent. Before applying, you can start a quote request online through Liberty Mutual’s website or through an independent broker, such as Tivly.
In order to get a quote, you’ll then need to provide the following information:
Name and location of your business
How long you've owned the business
Years in the current industry
Business operation details and known hazards
Business structure and the names of any business partners
Number of employees
Estimated revenue for the coming year
Prior insurance claim history
Key contact information
Depending on the type of coverage you’re looking for, you may have to provide additional information. Once you submit a quote request, you’ll connect with an agent to learn about your coverage options, complete the application process, and get coverage.
The cost of business insurance will ultimately depend on your coverage needs, industry, operations, business size, number of employees, revenue, and claims history—if you have one.
In general, most businesses require at least general liability coverage, and, depending on the type of business you run, you may also need commercial property coverage. Liberty Mutual offers business owner’s policies that include general liability and property coverage starting at less than $100 per month, on average.
Liberty Mutual’s website and user portal use SSL encryption and firewall to protect your personal information. The company is accredited by the Better Business Bureau with a rating of A-.
In terms of financial stability, the company has strong financial ratings:
A from A.M. Best
A2 from Moody’s
A from Standard & Poor’s
In other words, the insurer has an excellent ability to meet their ongoing obligations to policyholders.
If you have any questions about how the company uses your personal information, its privacy policy is available on its website.
Log into your account to get customer support from Liberty Mutual. Support is available 24/7.
You can also download Liberty Mutual’s mobile app, which allows you to manage your account, file and track claims, and get customer support.
Liberty Mutual is one of the largest insurers in the country, offering a wide array of insurance coverage options for small, medium, and large businesses. Licensed in all 50 states, the insurance company is accredited by the Better Business Bureau and has strong financial ratings by A.M. Best and other rating agencies. To get a quote or buy a policy, you’ll have to connect with one of Liberty Mutual's agents by phone or in person or purchase a policy through an independent broker.
Liberty Mutual
175 Berkeley Street
Boston, MA
02116
