Liberty Mutual

Liberty Mutual

You know your business. We understand how to protect it.

Welcome to Liberty Mutual Agent Resources

Your one-stop resource for agent questions and answers, whether you're an existing agent or interested in partnering with Liberty Mutual.

Supporting Your Business with 100 Years of Experience

Every business is different, which is why we take the time to understand your unique needs. Liberty Mutual Insurance is a leading commercial insurer with more than a century of experience. We have the resources and expertise to safeguard businesses against risk, and in partnership with independent agents, brokers, and consultants, we provide you with the tailored coverage your customers need:

  • A flexible range of coverages, from traditional lines through specialty lines
  • Support for businesses of all sizes, from two employees to 200,000+
  • Comprehensive packages that combine the coverages you need in a single solution

Whether you're quoting a new startup, a family-owned business, or a multinational Fortune 500 corporation, you can feel confident that we'll protect your customer's business. It's what we do best.

Liberty Mutual - Risk Appetite

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Select the coverage below to learn more about what we offer.

BOP product designed for ease of business for agency partners to quote and issue. Targets an agency small business customer.

Available In

Appetite by Sector

Simple BOP has eligible classes in 12 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade
2. Professional, Scientific, and Technical Services
3. Construction
4. Administrative and Support and Waste Management and Remediation Services
5. Other Services (except Public Administration)
6. Real Estate and Rental and Leasing
7. Information
8. Finance and Insurance
9. Accommodation and Food Services
10. Arts, Entertainment, and Recreation
11. Transportation and Warehousing
12. Manufacturing

Highlights

  • Rated based on Number of Employees
  • Policy is not Auditable
  • Policy includes General Liability coverage with option to add Contents coveraage
  • Optional Property Coverage Broadening Endorsement available when Property Coverage is added
  • Optional Cyber Suite Coverage Endorsement

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$500.00
Maximum
$150,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Liberty Mutual Simple BOP generally meet the following guidelines.

Years in Business
0 (min)
Annual Revenue
$0 - $2,500,000
Full-Time Employees
1 - 10
Part-Time Employees
0 - 0
Total Insured Value
$0 - $15,000,000
Number of Vehicles
0 - 0
Number of Locations
1 - 1
Number of Buildings
0 - 0
Square Footage
0 - 50,000
Building Age (Years)
1 - 50
Acceptable Entities
Association
C Corporation
Closely Held Corporation
Common Ownership
Corporation
General Partnership
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Other
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation
Unincorporated Association

Resources

Eligible risks for Liberty Mutual Simple BOP generally meet the following guidelines.

The Liberty Mutual Insurance Business Owners Policy provides specialized coverage to protect your small business clients. It bundles property and liability coverages in a single policy and provides the ability to tailor each policy to meet individual business needs.

Available In

Appetite by Sector

Traditional BOP has eligible classes in 17 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Management of Companies and Enterprises
2. Finance and Insurance
3. Professional, Scientific, and Technical Services
4. Retail Trade
5. Wholesale Trade
6. Administrative and Support and Waste Management and Remediation Services
7. Health Care and Social Assistance
8. Real Estate and Rental and Leasing
9. Other Services (except Public Administration)
10. Information
11. Accommodation and Food Services
12. Educational Services
13. Manufacturing
14. Construction
15. Arts, Entertainment, and Recreation
16. Transportation and Warehousing
17. Agriculture, Forestry, Fishing and Hunting

Highlights

  • Property endorsement
  • Property extension endorsement
  • Property plus extension endorsement
  • Liability extension endorsement
  • Optional coverages include Cyber Coverages, Eployment Practices Liability, Employee Benefits Liability

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$500.00
Maximum
$250,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Liberty Mutual Traditional BOP generally meet the following guidelines.

Years in Business
1 (min)
Annual Revenue
$0 - $100,000,000
Full-Time Employees
0 - 250
Part-Time Employees
0 - 250
Total Insured Value
$0 - $100,000,000
Number of Vehicles
0 - 100
Number of Locations
1 - 100
Number of Buildings
0 - 100
Square Footage
0 - 100,000
Building Age (Years)
0 - 50
Acceptable Entities
Association
Condo Association
C Corporation
Co-Employer
Church
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
County
Farm Corporation
General Partnership
Homeowners Association
Individual
Indian Tribe / First Nation
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Not for Profit Organization
Other
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation
Trust
Unincorporated Association

Resources

Eligible risks for Liberty Mutual Traditional BOP generally meet the following guidelines.

Commercial Package Policy with BOP coverages and extension endorsements

Available In

Appetite by Sector

Custom Protector has eligible classes in 17 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Finance and Insurance
2. Professional, Scientific, and Technical Services
3. Management of Companies and Enterprises
4. Other Services (except Public Administration)
5. Retail Trade
6. Wholesale Trade
7. Information
8. Accommodation and Food Services
9. Administrative and Support and Waste Management and Remediation Services
10. Health Care and Social Assistance
11. Construction
12. Manufacturing
13. Real Estate and Rental and Leasing
14. Arts, Entertainment, and Recreation
15. Educational Services
16. Agriculture, Forestry, Fishing and Hunting
17. Transportation and Warehousing

Highlights

  • Provides discounted and bundled property and liability coverage to a broadened set of classes with more unique risks.
  • As easy to write as a BOP and offers additional small business coverages
  • Market segment enhancement bundles provide package coverage in a wide variety of industries.
  • Optional Cyber Liability Coverage
  • Optional Contractors E & O Coverage
  • Optional Manufacturers E & O Coverage

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$500.00
Maximum
$250,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Liberty Mutual Custom Protector generally meet the following guidelines.

Years in Business
3 (min)
Annual Revenue
$0 - $15,000,000
Full-Time Employees
0 - 250
Part-Time Employees
0 - 250
Total Insured Value
$0 - $15,000,000
Number of Vehicles
0 - 0
Number of Locations
0 - 100
Number of Buildings
0 - 100
Square Footage
0 - 100,000
Building Age (Years)
0 - 50
Acceptable Entities
Association
Condo Association
C Corporation
Church
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
General Partnership
Homeowners Association
Individual
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Not for Profit Organization
Other
Proprietorship
Partnership
School
S Corporation
Sole Proprietor
Subchapter S Corporation
Unincorporated Association

Resources

Eligible risks for Liberty Mutual Custom Protector generally meet the following guidelines.

A well-managed workers compensation program can help reduce medical costs, return employees to work faster, and support a strong bottom line. Liberty Mutual closes workers compensation claims 18 percent faster and at an 11 percent lower cost on average, than our major competitors.

Available In

Appetite by Sector

Workers Compensation has eligible classes in 17 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Management of Companies and Enterprises
2. Finance and Insurance
3. Professional, Scientific, and Technical Services
4. Wholesale Trade
5. Information
6. Other Services (except Public Administration)
7. Retail Trade
8. Manufacturing
9. Administrative and Support and Waste Management and Remediation Services
10. Accommodation and Food Services
11. Health Care and Social Assistance
12. Real Estate and Rental and Leasing
13. Construction
14. Arts, Entertainment, and Recreation
15. Agriculture, Forestry, Fishing and Hunting
16. Transportation and Warehousing
17. Educational Services

Highlights

  • Optional endorsement - Waiver of right to recover from others
  • Optional endorsement - Voluntary compensation and employer's liability coverage
  • Optional endorsement - Longshore and harbor workers compensation (incidental exposures)

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$250.00
Maximum
$150,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Liberty Mutual Workers Compensation generally meet the following guidelines.

Years in Business
1 (min)
Annual Revenue
$0 - $100,000,000
Full-Time Employees
0 - 250
Part-Time Employees
0 - 250
Total Insured Value
$0 - $100,000,000
Number of Vehicles
0 - 250
Number of Locations
0 - 250
Number of Buildings
0 - 250
Square Footage
0 - 100,000,000
Building Age (Years)
0 - 50
Acceptable Entities
Association
Condo Association
C Corporation
Co-Employer
Church
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
Farm Corporation
General Partnership
Homeowners Association
Individual
Indian Tribe / First Nation
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Not for Profit Organization
Other
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation
Trust
Unincorporated Association

Resources

Eligible risks for Liberty Mutual Workers Compensation generally meet the following guidelines.

An umbrella policy provides an extra layer of protection — limits that pick up once a general liability or auto liability limit is exhausted. Our umbrella coverage can help protect clients from the unexpected so they can focus on what really matters: making their business succeed.

Available In

Appetite by Sector

Umbrella has eligible classes in 17 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Management of Companies and Enterprises
2. Finance and Insurance
3. Professional, Scientific, and Technical Services
4. Other Services (except Public Administration)
5. Wholesale Trade
6. Retail Trade
7. Information
8. Manufacturing
9. Accommodation and Food Services
10. Administrative and Support and Waste Management and Remediation Services
11. Health Care and Social Assistance
12. Real Estate and Rental and Leasing
13. Construction
14. Arts, Entertainment, and Recreation
15. Agriculture, Forestry, Fishing and Hunting
16. Transportation and Warehousing
17. Educational Services

Highlights

  • Follow Form Coverage
  • Drop-down feature is triggered when the primary occurrence limit is exhausted or the aggregate is reduced below occurrence limit
  • Defense costs in addition to the policy limits
  • Worldwide coverage on the same basis as the underlying insurance
  • Crisis Management Coverage ($250,000)
  • Ability to write over other carrier's Auto & WC policies

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$450.00
Maximum
$250,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Liberty Mutual Umbrella generally meet the following guidelines.

Years in Business
1 (min)
Annual Revenue
$0 - $100,000,000
Full-Time Employees
0 - 250
Part-Time Employees
0 - 250
Total Insured Value
$0 - $100,000,000
Number of Vehicles
0 - 250
Number of Locations
0 - 250
Number of Buildings
0 - 250
Square Footage
0 - 100,000,000
Building Age (Years)
0 - 50
Acceptable Entities
Association
Condo Association
C Corporation
Co-Employer
Church
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
Farm Corporation
Governmental Entity
General Partnership
Homeowners Association
Individual
Indian Tribe / First Nation
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Not for Profit Organization
Other
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation
Trust
Unincorporated Association

Resources

Eligible risks for Liberty Mutual Umbrella generally meet the following guidelines.

We offer coverage for owned, leased, nonowned, and hired vehicles for both legal liability and physical damage resulting from collisions or other incidents. Drive other car coverage for business drivers without personal auto insurance and loan/lease gap coverage are available as well.

Available In

Appetite by Sector

Commercial Automobile has eligible classes in 17 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Management of Companies and Enterprises
2. Finance and Insurance
3. Professional, Scientific, and Technical Services
4. Information
5. Other Services (except Public Administration)
6. Retail Trade
7. Wholesale Trade
8. Manufacturing
9. Real Estate and Rental and Leasing
10. Accommodation and Food Services
11. Administrative and Support and Waste Management and Remediation Services
12. Health Care and Social Assistance
13. Construction
14. Agriculture, Forestry, Fishing and Hunting
15. Arts, Entertainment, and Recreation
16. Transportation and Warehousing
17. Educational Services

Highlights

  • ISO Form CA 00 01
  • Business auto enhancement endorsement form CA 88 10

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$500.00
Maximum
$150,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Liberty Mutual Commercial Automobile generally meet the following guidelines.

Years in Business
1 (min)
Annual Revenue
$0 - $100,000,000
Full-Time Employees
0 - 250
Part-Time Employees
0 - 250
Total Insured Value
$0 - $100,000,000
Number of Vehicles
1 - 250
Number of Locations
1 - 250
Number of Buildings
1 - 250
Square Footage
0 - 10,000,000
Building Age (Years)
0 - 50
Acceptable Entities
Association
Condo Association
C Corporation
Co-Employer
Church
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
Farm Corporation
General Partnership
Homeowners Association
Individual
Indian Tribe / First Nation
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Not for Profit Organization
Other
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation
Trust
Unincorporated Association

Resources

Eligible risks for Liberty Mutual Commercial Automobile generally meet the following guidelines.

Liberty Mutual's property product is the perfect solution for small commercial businesses. We have three general extension endorsements and 12 industry-specific endorsements available to help protect your clients' properties.

Available In

Appetite by Sector

Property has eligible classes in 18 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Management of Companies and Enterprises
2. Finance and Insurance
3. Health Care and Social Assistance
4. Information
5. Other Services (except Public Administration)
6. Wholesale Trade
7. Retail Trade
8. Professional, Scientific, and Technical Services
9. Manufacturing
10. Administrative and Support and Waste Management and Remediation Services
11. Real Estate and Rental and Leasing
12. Construction
13. Accommodation and Food Services
14. Arts, Entertainment, and Recreation
15. Transportation and Warehousing
16. Agriculture, Forestry, Fishing and Hunting
17. Public Administration
18. Educational Services

Highlights

  • Monoline and package products available
  • Property extension endorsement
  • Property extension plus endorsement
  • Property extension optimum
  • 12 optional industry-specific endorsements available including artisan contractors, automobile services, construction, golf courses, hotels, manufacturers, offices and lessors, religious organizations, restaurants, retailers, service providers, wholesale

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$350.00
Maximum
$250,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Liberty Mutual Property generally meet the following guidelines.

Years in Business
1 (min)
Annual Revenue
$0 - $100,000,000
Full-Time Employees
0 - 250
Part-Time Employees
0 - 250
Total Insured Value
$0 - $100,000,000
Number of Vehicles
0 - 250
Number of Locations
0 - 250
Number of Buildings
0 - 250
Square Footage
0 - 100,000,000
Building Age (Years)
0 - 50
Acceptable Entities
Association
Condo Association
C Corporation
Co-Employer
Church
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
Farm Corporation
General Partnership
Homeowners Association
Individual
Indian Tribe / First Nation
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Not for Profit Organization
Other
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation
Trust
Unincorporated Association

Resources

Eligible risks for Liberty Mutual Property generally meet the following guidelines.

Liberty Mutual's general liability product is the perfect solution for small commercial businesses. We have 12 industry-specific endorsement bundles to help protect your clients' businesses.

Available In

Appetite by Sector

General Liability has eligible classes in 17 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Management of Companies and Enterprises
2. Finance and Insurance
3. Professional, Scientific, and Technical Services
4. Other Services (except Public Administration)
5. Wholesale Trade
6. Retail Trade
7. Information
8. Manufacturing
9. Administrative and Support and Waste Management and Remediation Services
10. Accommodation and Food Services
11. Health Care and Social Assistance
12. Real Estate and Rental and Leasing
13. Construction
14. Arts, Entertainment, and Recreation
15. Agriculture, Forestry, Fishing and Hunting
16. Transportation and Warehousing
17. Educational Services

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$250.00
Maximum
$250,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Liberty Mutual General Liability generally meet the following guidelines.

Years in Business
1 (min)
Annual Revenue
$0 - $100,000,000
Full-Time Employees
0 - 250
Part-Time Employees
0 - 250
Total Insured Value
$0 - $100,000,000
Number of Vehicles
0 - 250
Number of Locations
0 - 250
Number of Buildings
0 - 250
Square Footage
0 - 100,000,000
Building Age (Years)
0 - 50
Acceptable Entities
Association
Condo Association
C Corporation
Co-Employer
Church
Closely Held Corporation
Common Ownership
Corporation
Condo Owners
Farm Corporation
General Partnership
Homeowners Association
Individual
Indian Tribe / First Nation
Joint Venture
Limited Corporation
Limited Liability Company
Limited Partnership
Not for Profit Organization
Other
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation
Trust
Unincorporated Association

Resources

Eligible risks for Liberty Mutual General Liability generally meet the following guidelines.