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Liberty Mutual Review

Bybusiness.com editorial staff,
business.com writer
| Updated
Feb 09, 2019
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> Business Basics
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Whether your business is a sole proprietorship or a large multinational company, Liberty Mutual business liability insurance has the worldwide presence and expertise to protect you and your employees from lawsuits that range from slips and falls to injuries resulting from using your product. The company’s general liability policy covers expenses you incur as a result of out-of-court settlements, litigation and court judgments. The company has local agents with an understanding of regional business climates, and they can help determine your unique business liability insurance needs. There are also dedicated claims handlers with expertise to process claims as efficiently and as economically as possible. Liberty Mutual has been in business for over 100 years and is the third largest property and casualty insurer in the United States.

Liberty Mutual

Liberty Mutual

The Best Business Liability Insurance Providers of 2019

The Verdict

You can access Liberty Mutual via its call center, on the website, through an agent or broker, or via its representatives from a network of regional independent agent companies. The company offers a variety of insurance coverages across five continents and in in 150 countries. Liberty Mutual’s independent agents and brokers are available to answer your insurance questions, get you a Liberty Mutual Insurance quote and assist in selecting the coverage you need. Direct insurance companies typically offer online quotes, but this one does not. However, it can be useful to talk to a local agent who knows the company’s product and services. They may understand your risks and needs better as a result of your personal interaction.

The best way to keep premiums low and your business focused on what it does best, is to lower its risk. Liberty Mutual Insurance customizes solutions based on your business’s specific needs. Its focus is to safeguard your business, employees, and property against risk by providing information and helping you plan ahead. Liberty Mutual has consultants who specialize in engineering, safety and risk control, including many active members of leading industry associations and safety committees. The company’s risk control group will work with you to assess your business and make practical suggestions to help you lower your risk.

The company offers a proprietary safety website, Liberty Mutual SafetyNet, where it offers tools to help ensure the safety of your business. Liberty Mutual also has complimentary safety training, via PDF or webinars, to identify your company’s potential for accidents in order to help you put cost-effective solutions in place.

Liberty Mutual has specialized claims handlers dedicated to general liability policies in regional offices across the country to assist your business. These claims agents are trained to understand your type of claim and any specific state requirements. They have access to regional medical directors, legal personnel, data analytics and a predictive model to make the best possible claims handling decisions.

Liberty Mutual is able to provide a policy to meet the needs of a wide range of business sizes and types. Liberty Mutual’s emphasis on risk mitigation and professional claims process make it a good company to consider if you have a business that is considered medium to high risk. It has a long history of insuring businesses, has good financial standing and a solid infrastructure of agents worldwide.

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Liberty Mutual

Liberty Mutual

The Best Business Liability Insurance Providers of 2019

The Verdict

business.com editorial staff
business.com editorial staff
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