Liberty Mutual Small Business Insurance Reviews 2018 (Ratings, Coverage & Complaints)

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Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Liberty Mutual Small Business Insurance Reviews

Liberty Mutual Reviews

Liberty Mutual Small Business Insurance Reviews 2018 (Ratings, Coverage & Complaints). Liberty Mutual began in 1912 as the Massachusetts Employees Insurance Association. It has grown from a workers compensation insurance firm to now being among the top 10 insurance companies globally. As a Fortune 500 company and with assets of more than $100 billion, Liberty Mutual is listed as the third largest casualty and property insurance company in the United States.

The company owns 4 major subsidiaries and perhaps as many as 34 smaller ones. The U.S. operations serve 45 states and are headquartered in Boston, Massachusetts. The company offers a variety of personal and business insurance policies including a range of auto & vehicle, property, as well as life insurance, under the Liberty Life banner.

Since its beginnings, policyholders have held the reins of the company, not stockholders - a fact that Liberty Mutual uses to tout its strong customer service. As an employer, Liberty Mutual has an impressive record as well. There are over 45,000 people employed for Liberty Mutual Group worldwide at more than 900 locations.

If you are a small business owner looking to buy liability insurance, read Liberty Mutual small business insurance reviews to learn about Liberty Mutual Insurance's products.

Check out Liberty Mutual small business insurance reviews & ratings for general liability, workers comp and other commercial policies.

Small Business Coverages Offered By Liberty Mutual

The Liberty Mutual small business insurance reviews on the Internet are a mixed bag. Following are some of Liberty Mutual's small commercial insurance policies:

General Liability - This type of insurance product is designed to cover you against legal hassles that might arise because of bodily injury or property damage claims against your business. General liability insurance also pays for any medical or legal expenses which is a result of a claim made against you and your business.

Professional Liability - Commonly referred to as errors and omissions (E&O) insurance, professional liability protects a business against negligence claims due to harm that results from a product or service failing to perform. Many industries require a certain level of liability insurance even to start a business, but there are a wide array of options and coverage levels to choose from. Liberty Mutual business insurance ratings are good for E and O.

Product Liability - If your business is found responsible for an issue with one of the products you sell, you could find yourself tangled up in a costly, time consuming lawsuits. Your product liability insurance can help protect you from legal and medical costs that may come up in these instances.

Workers' Compensation - If your employee gets injured in the workplace, it could be you that suffers the most with a hefty lawsuit coming your way. With workers' comp, you assure the lawsuits stay at bay and show your employee you care by having the policy to cover lost wages and medical bills. (Plus, it's legally required for any non owner employees.) Liberty Mutual small business insurance reviews are good for workers comp.

Property Insurance - Property insurance protects the building(s) you own as well as your business property. So it covers items like office furniture, computers, inventory, and other equipment you have on site. This is the kind of policy that insures you against things like theft, fire, vandalism or disaster. Liberty Mutual business insurance ratings are fair for commercial property.

Business Interruption - Even if you have property insurance in place, it will take time for your business to recover from a natural disaster or some other event of the sort. Business interruption insurance covers the income a business loses when a company can't operate right after a disaster. This policy can help pay for your operating costs when you're not able to generate an income.

Crime - Crime insurance protects a firm against losses caused by acts of criminals (other than company owners or principals). It is designed to cover certain losses that aren't covered by commercial property policies. For instance, most property policies exclude thefts perpetrated by employees. They also exclude loss or damage to money, currency, securities, food stamps and similar property.

Business Owner's Policy (BOP) - This is a combined insurance solution that usually consists of Commercial Property, Business Interruption and General Liability. Based on your company's needs, you can select the desired insurance coverage and adjust the sum insured. It offers cost savings as a bundled package compared to separately issued policies. Liberty Mutual small business insurance reviews ae good for BOP's.

Liberty Mutual Small Business Insurance Claims

Liberty Mutual has a great claims section on their website, with easy access to contact information and a rundown of the claims process. Business insurance claims can be reported in multiple ways:

  • Online. Liberty Mutual has very robust and useful website, allowing users to manage their policies, pay their bills and track their claims.
  • Through the mobile app. This allows users to track their claims, pay their bills or view policy documents.
  • Over the phone.

Liberty Mutual Commercial Insurance Reviews & Ratings

Here are Liberty Mutual ratings by the top rating organizations:

  • A.M. Best Company: A (Excellent). A.M. Best ratings are a measure of a company's ability to pay customer claims, stay in business and remain financially solvent.
  • Moody's Rating: A2 (Good).
  • Standard & Poor's: A (Strong).
  • BBB: Liberty Mutual Group is A BBB Accredited Business since 04/26/1931. It has received 3.76 out of 5 stars based on 240 Customer Reviews and a BBB Rating of A+

Liberty Mutual Market Strength and Reliability

Reliability and stability are two strengths that Liberty Mutual Insurance can offer its clients. This company has a strong financial background, so you can be assured that there will be no problem with regard to funding your claims should the need arise.

In 2015, Liberty Mutual reported revenues of $37.6 billion and assets worth $121.7 billion. So, their stability is pretty solid and they are one of NYSE's most extensive insurer. They operate in more than 17 countries across the world. Liberty Mutual small business insurance get good reviews for financial strength.


  • Liberty Mutual partners with more than 14,000 organizations, so there's a very good chance that you'll qualify for an affinity discount.
  • Their online quote tool is very quick and easy to use.
  • You can file claims from your mobile device.


  • It can be hard to find a local agent, since Liberty Mutual recently centralized all of its service representatives to national call centers.

Liberty Mutual's Contact Information

Address: 175 Berkeley Street, Boston, Massachusetts 02116


The Bottom Line On Liberty Mutual Commercial

Liberty Mutual insurance has an easy online application process, knowledgeable agents and multiple discounts. It's not the cheapest, but it offers unlimited business coverage options. It's worth checking out especially if you need multiple coverages.

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Small Business Independent Insurance Association Ratings: Trusted Choice

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Liberty Mutual Small Business Insurance Reviews
Rated 4.3/5 based on 88 reviews

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