Liberty Mutual insurance review

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  • Company Type: Mutual
  • Customer Service: 888-398-8924
  • Founded: 1912
  • Claims: 800-225-2467

  • CEO: David H. Long
  • Headquarters: Boston, MA
  • Employees: 50,000+
  • A.M. Best Financial Stability Ratings: A

About Liberty Mutual Insurance

You can look it up: As of 2014, Liberty Mutual Insurance was the second-largest property-and-casualty carrier in the United States. You’ve probably seen the commercials for Liberty Mutual auto insurance, and the provider has more than 400 offices across the country and 500 more around the world.

And while the name is familiar now, that’s not how the company started. In 1912, MEIA – the Massachusetts Employees’ Insurance Association – formed after the state adopted a law permitting some sort of workers compensation for all employees. Five years later, MEIA became Liberty Mutual Insurance Company. By then, it had been selling Liberty Mutual auto insurance for three years.

Since those humble beginnings, the company has exhibited tremendous growth – both organically and by acquisition. It’s now 78th on the Fortune 500 list (based on 2014 revenue of more than $39.6 billion).

Liberty Mutual Insurance Products

The provider offers products across four divisions – personal, commercial, Liberty International, and global specialty. Among the personal lines are Liberty Mutual homeowners insurance, auto insurance, life insurance, renters insurance, condo insurance, and many others. Commercial lines include coverage for large businesses and for small and mid-sized ventures. They include property and liability protections and many others as well. Liberty International companies operate in 17 countries in Europe, Latin America and Asia, where they mainly offer personal and small commercial insurance. The global specialty group unit offers a wide array of specialty products in 19 countries, including some coverage for people in the aviation field and in the armed forces.

Claims Process

Liberty Mutual prides itself on going the extra mile to make it easier to file claims. Policyholders can report claims 24/7 on a special phone line, or those who prefer may visit the company’s website and file their claim on line. The provider also offers apps for iPhones and Android phones to help with claims. Typically, a claims specialist from the provider will contact the policyholder within a business day to offer personalized guidance through the process.

Liberty Mutual Discounts, Benefits

Liberty Mutual homeowners insurance discounts include group savings, multi-policy price breaks, claims free discounts, early shopper discounts, protective device price breaks, new home discounts, and more. Remember, however, that some discounts are not available in all states.

Liberty Mutual auto insurance benefits include accident forgiveness for policyholders who have been accident- and violation-free for five years. Price breaks include discounts for safety equipment, hybrid vehicles, multiple cars, good students, new graduates, new retirees, and many more. Again, some discounts are not allowed in some states.

Additional Information

Have you heard of the Liberty Mutual Research Institute for Safety? It conducts research designed to improve safety and health on a global scale. It focuses on driving, the workplace, the environment, and disabilities.

Call today about Liberty Mutual Insurance

If you’re interested in a Liberty Mutual quote for home or auto insurance, call today. Even better, see whether you can save by bundling your Liberty Mutual homeowners insurance coverage with the provider’s auto insurance. Call now!

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