Liberty Mutual

Liberty Mutual Group

FoundedJuly 1, 1912 (as Massachusetts Employees Insurance Association)
Headquarters175 Berkeley Street Boston, Massachusetts, U.S.
Area servedWorldwide
ServicesProperty and Casualty Insurance,
  • Liberty Mutual Group is an diversified global insurer and property and casualty insurer in the United States.
  • The company offers a wide range of insurance products and services, including personal automobile, homeowners, workers' compensation, commercial multiple peril, commercial automobile, general liability, global specialty, group disability, fire insurance and surety.
  • Liberty Mutual Group owns, wholly or in part, local insurance companies in Argentina, Brazil, Chile, China (including Hong Kong), Colombia, Ecuador, India, Ireland, Malaysia, Poland, Portugal, Singapore, Spain, Thailand, Turkey, the United Kingdom, Venezuela and Vietnam.
  • In the United States, Liberty Mutual remains a mutual company in which policyholders holding contracts for insurance are considered shareholders in the company.
  • However, Liberty Mutual Group's brand usually operates as a separate entity outside the United States, where a subsidiary is often created in countries where legally recognized mutual-company benefits cannot be enjoyed.
  • Liberty Mutual conducts all of its business through four strategic business units:
    1. US Consumer Markets
      • Passenger automobile, homeowners, life, annuity and other property and casualty insurance products are available via Liberty Mutual's US Consumer Markets line.
      • These products are branded under the Liberty Mutual Insurance and Safeco names.
    2. Commercial insurance
      • Property and casualty, as well as group benefits commercial insurance products, fall into two distinct categories: Business Insurance and National Insurance.
      • The former caters to businesses with fewer than 1,000 employees, while the latter serves businesses in specific industries or with more than 1,000 employees.
      • Group-benefits products include disability insurance and group life insurance.
    3. Global Consumer Markets
      • Localized insurance companies sell Liberty International's products in 18 different countries and markets.
      • International products are offered to both individual and business customers, and include property and casualty insurance as well as health and life insurance products.
      • The largest international product offering is passenger automobile insurance for private individuals.
    4. Global Specialty
      • The Global Specialty insurance line offers specialty products, such as marine, energy, aviation, professional liability and crisis management, offered through 40 Liberty International Underwriters offices worldwide.
      • In addition, Liberty International Underwriters provides global multi-line insurance and reinsurance written on its Lloyd's Syndicate 4472 platform.
      • Global Specialty also includes reinsurance products offered through Liberty Mutual Reinsurance.
  • Subsidiary companies
    1. Helmsman Management Services
    2. Liberty County Mutual Insurance Company
    3. Liberty International Underwriters (LIU)
    4. Liberty Mutual Surety (LMS)
    5. Liberty Mutual Reinsurance (LMR)
    6. Liberty Specialty Markets (LSM)
    7. Liberty Seguros
    8. Liberty Mutual Agency Corporation
      • American Fire & Casualty
      • America First Insurance
      • Colorado Casualty
      • Consolidated Insurance Company
      • Golden Eagle Insurance
      • Indiana Insurance
      • Liberty Mutual Surety
      • Liberty Surety First
      • Montgomery Insurance
      • Ohio Casualty
      • Ohio Security
      • West American
      • Peerless Insurance
      • Safeco
      • Ironshore (acquired in 2016)
    9. Peerless Insurance

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