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Liberty Mutual Review
Boston-based insurer founded in 1912 that sells small business coverage online and through independent agents, with a separate unit for larger commercial accounts
Quick verdict
Liberty Mutual is best for Small and mid-size trade businesses that want a large national carrier and are willing to compare its quote, online or through an independent agent. Quote speed: Start online on Liberty Mutual's small business pages or get a quote through an independent agent. Pricing: Quoted per business, online or through an independent agent; no published premiums. Prices are quoted rather than published, and small and larger commercial accounts are served by different parts of the company.
About Liberty Mutual
Liberty Mutual is a Boston-based insurer, founded in 1912, that sells both personal and business insurance. For small businesses it offers business owner's policies (BOPs), general liability, workers' compensation, commercial auto and other coverages. You can start online on its small business pages or buy through a local independent agent who writes Liberty Mutual.
The commercial side is split by account size. Liberty Mutual's mid-size to large commercial and specialty business sits in a unit called Global Risk Solutions, which has a construction industry practice and offers lines such as commercial auto and fleet, general liability, workers' comp, umbrella and excess, inland marine and surety.
Liberty Mutual says it has been in the insurance business for more than 100 years. It does not publish small business premiums; your price is quoted based on your trade, location, payroll, vehicles and claims history.
The trade-off: Liberty Mutual can insure anything from a small trade shop to a large contractor, but the only way to know whether it is competitive for you is to compare its quote with others, ideally through an independent agent who can shop several carriers at once.
How it works
Small businesses can start a quote on Liberty Mutual's small business pages or go through a local independent agent who writes Liberty Mutual. Mid-size and larger contractors are served by Liberty Mutual's Global Risk Solutions unit through agents and brokers. Coverage and price are quoted per business.
Pros & cons
What works
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Large, long-established insurer
Founded in 1912 and based in Boston. Liberty Mutual says it has been in the insurance business for more than 100 years.
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Buy online or through an agent
Small businesses can start online or work with a local independent agent who writes Liberty Mutual, whichever they prefer.
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Broad commercial lines
BOPs, general liability, workers' comp, commercial auto, professional liability and umbrella, plus inland marine and surety for larger accounts, so a contractor can keep these policies with one carrier.
What doesn't
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No published prices
Premiums are quoted per business, so you need an actual quote to compare Liberty Mutual with other carriers.
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Different teams by business size
Small business policies are sold online and through agents, while mid-size and larger accounts go through Global Risk Solutions, so which part of the company you deal with depends on your size.
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One carrier's quote at a time
Buying direct gets you only Liberty Mutual's price. To compare, ask an independent agent who also shops other carriers.
Coverage
- Insurance lines
- general liabilityworkers compcommercial autobopprofessional liabilityumbrellainland marine
- Geographic coverage
- Liberty Mutual writes business insurance across the US; coverages and eligibility vary by state and type of business
- Premiums
- Quoted per business, online or through an independent agent; no published premiums
- Quote speed
- Start online on Liberty Mutual's small business pages or get a quote through an independent agent
- Trade coverage
- HVACPlumbingElectricalGeneral ContractorsLandscaping & Lawn CareCleaning ServicesPest Control
- Affiliate program
- None. Limited direct editorial affiliate program; accessible via broker channels.
Reviews and complaints at the source
We do not copy third-party review scores onto this page: they change often and we could not verify them. Read Liberty Mutual's current reviews at the source.
Frequently asked
How do I buy Liberty Mutual business insurance?
Small businesses can start on Liberty Mutual's small business pages online or find a local independent agent who writes Liberty Mutual. Mid-size and larger commercial accounts are handled by Liberty Mutual's Global Risk Solutions unit through agents and brokers.
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