Liberty Mutual has been providing insurance across the globe for over 100 years. It is one of the largest casualty insurers in the United States. Liberty Mutual also ranks 95th in the Fortune 500 list for largest corporations. It began operation in 1912 as a Mutual Company, an offshoot from The Massachusetts Employee's Insurance Association, and was owned by policyholders, not by Corporations or stockholders. Liberty Mutual offers a wide range of insurance and financial products at competitive prices, which matched with an excellent history of customer service and competitive pricing allowed it to grow into the company it is today. Liberty Mutual was given a rating 'A' by the A.M. Best Co. With over a $104.3 billion in consolidated assets, Liberty Mutual is currently the 5th largest P&C insurance company in the United States. In addition to major insurance coverage for auto, health, and life, Liberty Mutual also offers personal liability coverage as well as insurance for commercial purposes, such as specialty risk and workers compensation. Liberty Mutual Group is among the top ten writers of "commercial lines" and "personal lines" insurance. Liberty Mutual sells primarily through its own agent force and some independent brokers. The company has over 900 offices in 17 countries and about 38,000 employees worldwide.
Liberty Mutual is also known for its Customer Choice Model, which allows customers to do business with the company in whatever way is most convenient for them, whether by phone, internet or through branch offices. With over 400 offices worldwide, Liberty Mutual offers competitive pricing for auto insurance, home insurance and life insurance. Nationally recognized, so consumers feel a sense of security and comfort when doing business with Liberty Mutual. This company has also been around for years, so stability is definitely an extra added benefit.
Although Liberty Mutual Group sells insurance in every state, unfortunately not all of its lines may be available in each state. You must check with an agent to see what all is available to you in your area. Some customers have also had an issue with claims being processed too slowly. Many even went as far as to say that Liberty Mutual denied claims even when the evidence of damage was overwhelming. While the rates are competitive, they are still higher than many others.