You’re passionate about your business; they’re passionate about protecting it. At Liberty Mutual Insurance, they have the experience and expertise to help keep your business safe – and that is just what they’ve done since 1912. With more than 45,000 employees in approximately 900 offices around the world, they have broad capabilities and the local resources to support you.
Property & Casualty
Business Owner’s Policy & Packages
You’ve worked hard to build your business. And whether you are the only employee or you have a growing staff, you want to make sure your company is protected. Liberty Mutual Insurance offers the coverage you need so you can focus on what matters most to you:
- Business Owner’s Policy: A business owner’s policy, or BOP, combines business property and general liability insurance in one policy. A BOP is designed for smaller businesses.
- Commercial Package: A package also offers property and general liability protection, along with broader coverage options and higher policy limits. A package provides a comprehensive solution for small and midsize businesses with more complex needs that may not be eligible for BOPs.
If you own a local bakery with one delivery truck or a national delivery company with a large fleet, your commercial vehicles and drivers’ safety play a critical role in your company’s success. That’s why Liberty Mutual Insurance auto coverage and services not only minimize the financial impact of accidents but also help to prevent them. We offer comprehensive coverage for owned, leased, non-owned, and hired vehicles.
Our auto policies provide coverage for legal liability caused by an accident or physical damage resulting from collisions or other incidents. You can also select coverage to fill common gaps, such as coverage for business drivers without a personal auto insurance policy and lease gap coverage.
No matter the size or type of business you own, your equipment and technology help keep your operation running. Without fully functioning equipment, how would your business fare financially? While standard property insurance protects you against external causes of loss, such as fire, losses resulting from equipment failure—such as a short circuit or power surge—may not be covered. Liberty Mutual Insurance offers packaged or stand-alone equipment breakdown coverage for these types of losses.
Types of equipment covered include:
- Computers and telecommunications systems
- Diagnostic equipment
- Mechanical and electrical equipment
- Pressure vessels
- Production machinery
- Refrigeration and air-conditioning equipment
Excess Liability Insurance
How would your business fare against a catastrophic liability claim? If you own a midsize or large business, having extra protection to guard against these big, unexpected risks just makes good business sense. For larger organizations looking for coverage layers, we also participate in excess liability towers.
General Liability Insurance
Whether you own a sole proprietorship or run a multinational business in any of the 150 countries in which we offer coverage, Liberty Mutual Insurance has the breadth and depth of expertise to protect you and your employees if you are involved in a lawsuit. From someone slipping and falling in your parking lot to injuries resulting from using your product, your general liability policy covers expenses related to out-of-court settlements, litigation, and court judgments. Your policy may include protection against lawsuits relating to:
- Advertising injury
- Bodily injury
- Personal injury
- Property damage
Additionally, the LIU Data Insure™ suite of cyber liability insurance products from Liberty International Underwriters (LIU) can help protect your company against the costs of data breaches, hacking attacks, and privacy violations.
If you’re looking for a better pricing option and plan selection for your property and casualty insurance coverage, joining a group program together with companies that have similar business needs can be an attractive option. For the past 30 years, Liberty Mutual Insurance has offered a variety of group programs in the Northwest that provide several advantages:
- By pooling your premium with those of other businesses, you’ll have access to a better plans selection.
- Sharing risks with businesses that have similar needs to your can also lower costs. Your business could benefit from premium returns, discounts, or dividends based on the group’s safety performance.
- We’ll help you keep your workplace safe with workforce training tools, safety recommendations, and job site resources that are relevant to your business.
Standard property coverage is typically designed to protect the assets at your business address. But if you have equipment or materials that frequently move to different locations, you may need inland marine coverage. An inland marine policy can cover the high-end digital SLR camera for your photography business, the power cleaners you use to clean floors, or the bulldozer at your newest construction project.
With a strong team of local specialists and dedicated inland marine underwriters, Liberty Mutual Insurance can help you ensure that your property is protected not only at your location but also while it is on the road, in temporary storage, or otherwise off-site.
If a major storm or fire destroys your shop and inventory scheduled for delivery, you want to be confident that your business can recover with as little disruption as possible. With property insurance from Liberty Mutual Insurance, you can protect your business space as well as its contents. You can even elect to cover lost income or additional expenses incurred while your business is closed.
As an insurance provider, you protect other businesses from risk – but who is protecting your business? Reinsurance, often referred to as “insurance for insurance,” indemnifies insurance companies against loss exposures. This helps guard against some or all of the risks that you assume on behalf of your customers every day.
If you are a standard or excess and surplus property and casualty insurance provider, you can work with your broker to find out how Liberty Mutual Reinsurance can protect your business from risk. With our years of experience and long-term broker relationships to support you, you can focus on protecting your own customers.
Whether you own a health club or a pizzeria, we know you’re passionate about providing your members the best workout possible or serving up a pie with just the right toppings. At Liberty Mutual Insurance, we bring that same focus to providing you the best policy for your needs.
We do that by working with some of the top program administrators in the country to offer specialty programs that give you the protection you need for the industry you are in.
Working with independent agents and brokers, the responsive, knowledgeable underwriters at Liberty Mutual Surety™ can provide you with the contract, commercial, and fidelity bonding program that best fits your business needs.
If you have a midsize to large business, you can turn to Liberty Mutual Surety for industry-leading bond program capacity. If you are an individual or have a small to midsize business, you’ll find the bond products and dedicated underwriters you need at Liberty SuretyFirst™, a division of Liberty Mutual Surety.
Visit the homepage of Liberty Mutual Surety to find out how our full range of global bond products and 43 field offices throughout the country can meet your needs.
Third Party Administration
Helmsman Management Services is a third party administrator (TPA) that offers claims management, managed care, and risk control solutions for businesses with complex risk management needs.
As a member of Liberty Mutual Insurance, Helmsman offers the strength and resources of an established insurance carrier while providing the flexibility of an independent TPA. By working with Helmsman Management Services, your business will benefit from:
- Claims management, managed care, and risk control services for fronted and self-insured programs
- Our experience and expertise, gained by managing more than $5 billion in incurred losses
- Programs for workers compensation, general liability, and commercial auto
- The ability to work with a carrier of your choice, thanks to our relationships with leading property and casualty insurers
Even with the best planning, the unexpected can happen. A sizable judgment against your business can damage your reputation, market share, and bottom line. Would your auto or general liability policies protect your business against a substantial loss? With umbrella coverage from Liberty Mutual Insurance, you can safeguard your business. We’ll help protect you from the unexpected so you can focus on what really matters: your business.
A key part of running your business is keeping employees safe at work. However, if a worker does suffer an injury, workers compensation coverage provides you and your employees with important protection.
Workers compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.
You value your workforce and the role it plays in your business’s success. Your employees may be full time or part time; some located in your corporate office, some in other states. No matter their status or location, you want your employees to receive the right leave benefits.
Your employees are the most valuable resource your business has. And whether they serve customers, stock shelves, or man your production lines, they are critical to the success of your business. At Liberty Mutual Insurance, we understand this importance and recognize that an employee’s absence due to disability can affect workplace morale, service quality, and productivity.
If one of your employees suffers a non-work-related injury or illness and is unable to work, disability insurance can help cover daily living expenses and provide resources for recovery and return to work.
Your employees play a key role in the success of your business. By offering a benefits program, you can help protect the well-being of your employees and their families. Group life insurance is an important aspect of your employee benefits package, as employees rely on it to provide financial security for their families. And while the death of an employee is rare, it’s an unexpected event that you need to be prepared for.
When the need arises, Liberty Mutual Insurance’s dedicated case managers will guide beneficiaries through the process. We can help families with administrative aspects, such as how to complete claims forms or apply for Social Security benefits. And because our staff is also trained in bereavement counseling, we are sensitive to each family’s needs during this difficult time.
Administering your life, disability, and leave of absence employee benefits programs should be simple and straightforward. Our secure MyLibertyConnection® website, available via desktop, tablet, or phone, provides easy access to critical plan information and reports for employers and convenient benefits management for employees.
Without your employees’ hard work, your business wouldn’t be able to grow and succeed. Reward them with auto and home voluntary benefits programs from Liberty Mutual Insurance. With these programs, your employees are eligible to receive exclusive group savings on our quality coverage and exceptional service, including:
- 12-month rate guarantee
- 24-hour claims assistance
- Convenient payment options, including automatic withdrawals from your personal bank account, payroll deduction, recurring credit card billing, and direct home billing
- In-person support from 350 local sales and customer service offices, by phone at two toll-free call centers, and online
Contact your America’s Choice Insurance Partner representative for more information on all of the great insurance products offered by the American Modern Group.