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Edited by: Kimberlee Leonard
 and Reviewed: Kimberlee Leonard

Review on Liberty Mutual Business Insurance

Author: | Nov 6, 2023

Editorial Note: We earn a commission from partner links on Go Sifter Advisor. Commissions do not affect our editors’ opinions or evaluations.

Whether you’re a sole proprietor with no employees or running a franchise with multiple locations and a large staff, business insurance can help protect your company in case the unexpected happens. Liberty Mutual offers business insurance to cover all your bases, including general liability, workers’ compensation, commercial property insurance, and more. 

This article explains how to get Liberty Mutual business insurance, the types of policies it offers, and information about pricing, claims, and customer service. 


  • Industry-specific coverage options
  • Policies are available for businesses of all sizes


  • No transparent pricing
  • Mixed customer service reviews

How to Get Business Insurance from Liberty Mutual

You can get most of Liberty Mutual’s small business insurance policies through an agent or an insurance marketplace.

You can contact your agent or broker directly to get professional liability insurance through Liberty Mutual or use its Find an Agent tool if you do not have an agent. 

Liberty Mutual Business Insurance Types of Coverage

Liberty commercial insurance offerings include a business owner’s policy (BOP), general and professional liability, workers’ compensation, commercial auto, and property insurance. 

Business Owners Policy

Liberty Mutual offers a BOP designed for small businesses that combines commercial property and general liability insurance in one policy. It also has a commercial package for small to midsize companies with more coverage and higher policy limits.

You can add other coverage options to your BOP, including:

  • Commercial auto 
  • Equipment breakdown
  • Inland marine (covers equipment, inventory, or materials at construction sites or in transit)
  • Umbrella (extra coverage beyond your policy limits)
  • Workers’ compensation

General Liability

General liability is a type of insurance that most small business owners will want to have. It can help pay for medical expenses (such as if someone slips, falls, and injures themself at your business) and property damage (such as if an employee accidentally breaks a client’s laptop). It can also help cover costs for defending lawsuits against claims of advertising or reputational harm (personal injury). 

Professional Liability

Professional liability insurance (also known as errors and omissions insurance or E&O insurance) helps protect your company if someone accuses you of making a business mistake or providing inaccurate information. It helps keep you from paying out of pocket for legal fees and settlement or judgment costs. 

For instance, a customer could take you to court if you miss a deadline and fail to deliver results for a contracted service. If you don’t have professional liability insurance, you would be responsible for paying costly legal defense fees on your own.

Liberty Mutual offers miscellaneous professional liability insurance, as well as options for specific industries including:

  • Architects and engineers
  • Cyber liability
  • Designers and contractors
  • Lawyers 
  • Technology 
  • Wholesale

It also provides optional coverage for copyright infringement, bodily injury, property damage, or claims that exceed your policy limit.

You can ask your insurance agent for a customized professional liability quote.

Workers’ Compensation

Workers’ compensation insurance helps pay for medical expenses, lost wages, and disability benefits if an employee gets hurt while working. Many states require small businesses to have workers’ compensation insurance if they have employees. 

Liberty Mutual’s Workplace Safety Index identifies the leading causes of workplace injuries so that you can take necessary steps to prevent accidents, and offers risk management guidance online and over the phone.

If an employee is injured, Liberty Mutual provides an injured worker portal where employees can access their claims information and offers telemedicine and telerehabilitation services. 

Liberty Mutual has an assigned risk service (available in 26 states) that can help you get the coverage you need if your business can’t get workers’ compensation insurance through the traditional marketplace due to high risks.

Commercial Auto Insurance

Commercial auto insurance is for businesses that have company vehicles. It can help cover the costs associated with accidents, including repairs, legal fees, and medical expenses. 

Liberty Mutual’s commercial auto insurance coverage can cover:

  • Bodily injury
  • Liability
  • Property damage
  • Uninsured motorists

Commercial Property Insurance

Liberty Mutual offers commercial property coverage for businesses of all sizes. Its commercial property insurance can help cover financial losses from property damage and theft. It can also help pay for lost revenue if your company shuts down temporarily due to covered events (such as fire, storms, and vandalism). 

Liberty Mutual’s Premier Property Protector form protects midsize and large companies with extended coverage limits, equipment breakdown protection, and customizable industry-specific coverage options.

Liberty Mutual’s commercial property insurance is available in 150 countries, making it a good option for global businesses.

While you can get a quote for Liberty Mutual homeowners insurance through its website, you must contact an insurance agent to get a customized commercial property quote.

Should You Choose Liberty Mutual Business Insurance?

As far as small business insurance goes, Liberty Mutual is a strong choice, as it offers customizable and industry-specific options for companies of all sizes. Small business owners who need general liability, commercial auto or property, workers’ compensation, or a BOP can purchase Liberty Mutual policies through an insurance marketplace, by submitting their information on its website to connect with an agent, or by calling the company directly.

Customers can use Liberty Mutual’s online Find an Agent tool to contact an agent about professional liability insurance pricing.

As a plus, if you need personal auto or homeowners’ insurance, you can get Liberty Mutual auto and property quotes via their website, where you can adjust coverage limits, deductible amounts, and endorsements (additional coverage options) to get a policy that fits your needs. 

Liberty Mutual Business Insurance Pricing

Liberty Mutual doesn’t offer transparent pricing for all of its insurance options online, but you can enter your name, zip code, and phone number on an online form to connect with an agent or call 1-888-299-5417 to get a customized quote.

According to Tivly (an insurance marketplace) the average annual costs for business insurance policies are as follows:

  • BOP: $500-$700
  • General liability: A few hundred dollars 
  • Professional liability: $700 per person 
  • Workers’ compensation: $2,000-$3,000
  • Commercial auto insurance: $750-$3000/vehicle
  • Commercial property insurance: Call or fill out an online form for a customized quote

Liberty Mutual Business Insurance Claims

So, what happens if you need to file a claim? You want to ensure you’re with a financially stable insurance company with a good history of paying out claims. One way to gauge this information is to look at an insurance provider’s claims ratio.

A claims ratio is the amount of claims an insurance company pays out compared to the premiums it collects. For example, if an insurance company collects $1,000 in premiums and pays out $500 in claims, its claims ratio would be 50%. 

While a high claims ratio can signify that an insurance provider pays out on many claims, it can also indicate that it is not charging enough for its premiums, which can foreshadow financial instability for the company.

According to a Liberty Mutual press release, its claims and claim adjustment expense ratio was 64.1% in 2022 and 64.9% in the first quarter of 2023, with a change of 0.8 points.

Liberty Mutual ranked 870 (out of 1,000 point scale) in both J.D. Power’s 2023 U.S. Property Claims Satisfaction Study and its 2022 U.S. Auto Claims Satisfaction Study, which is slightly below the industry average (874 and 873, respectively) for both types of claims. 

Liberty Mutual’s Claims Center allows you to file and track your claim online anytime. To file a claim, you will need your Liberty Mutual small business insurance login, the date of the incident, and the details about what happened.

Liberty Mutual Business Insurance Customer Service

How is Liberty Mutual’s customer service? Customer reviews are varied. Some customers who have purchased business insurance through Liberty Mutual love its customer service and are pleased with how easy it is to manage their claims, while others post about communication problems with the company.

Liberty Mutual has mixed ratings from customer review sites ConsumerAffairs, TrustPilot, and WalletHub, with customers praising their prices and claims system and citing issues with customer service.

ConsumerAffairs: 3.5/5

TrustPilot: 1/5

WalletHub: 2.4/5


You can get most of Liberty Mutual’s insurance for business through an agent or insurance marketplace.

Business owners looking for commercial insurance through Liberty Mutual may not find a lot of details online. While customer reviews are mixed, many clients praise the company’s efficient claims process and friendly and committed customer service representatives. 

If you’re looking to purchase business insurance through a larger company that partners with a marketplace servicing other top providers, Liberty Mutual is a solid choice.


We compared Liberty Mutual’s insurance offerings with those of similarly sized insurance companies and analyzed customer reviews on ConsumerAffairs, TrustPilot, and WalletHub. We evaluated Liberty Mutual’s financial strength ratings (used to measure an insurance company’s ability to fulfill its financial obligations) from credit rating agencies A.M. Best, Moody’s, and Standard and Poor’s. We also looked at J.D. Power’s (a data analytics company) 2023 U.S. Property Claims Satisfaction Survey and 2022 U.S. Auto Claims Satisfaction Study to determine Liberty Mutual’s rank in customer satisfaction with claims payouts. 

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