Liberty Mutual Insurance

A Few Simple Reasons to write workers compensation (WC) with Liberty Mutual Insurance:

Fast and Easy

Get immediate WC quotes for policies under $25,000, if all automated underwriting rules are met.

Faster Claim Closures, Better Claim Satisfaction

Liberty Mutual closes WC claims faster and at a lower cost than other major competitors, while delivering superior customer experiences.

Expert Medical Resources

Expert data scientists, medical bill review specialists & registered nurse case managers help manage costs while ensuring your clients receive the best case possible.

Your Way Pay™

Liberty Mutual offers a pay-as-you-go billing option that enables policyholders to better manage cash flow and reduce audit exposure due to real-time premium calculations, based on ACTUAL payroll.

Competitive Rates with Pricing Sophistication

Take advantage of low rates across a wide spectrum of classes. 

SafetyNet™

One-stop online destination for safety tools, training, and resources to improve workplace safety, protect property, and prevent accidents. Includes OSHA compliance standards, drug-free workplace and return to work resources.

Risk Control Consulting Center

Liberty Mutual's experienced safety consultants can answer safety questions, provide technical guidance, and make recommendations before or after a loss.

Online Claims Policyholder / Injured Worker Toolkit

Extensive WC claims services and resources to support your Liberty Mutual WC clients.

Online Audit

User-friendly alternative to traditional hard-copy form that provides help and tips throughout the audit process. Reduces the risk of non-compliance surcharge.

Below is an abbreviated list of the target classes written with Liberty Mutual Insurance (not limited to):

• Clerical Office Employees NOC
• 9082 - Restaurants: with no sale of alcoholic beverages / with table service
• 8832 - Medical Offices
• 8742 - Sales or Service Organizations
• 9083 - Restaurants: with no sale of alcoholic beverages / without table service with seating
• 5190 - Electrical Wiring: within buildings
• 5183 - Plumbing Residential
• 9586 - Barber Shops 
• 5221 - Concrete Construction
• 8820 - Lawyers Offices: other than not-for-profit
• 8601 - Architectural Firm
• 8008 - Retail Store: clothing, wearing apparel or dry goods
• 6217 - Excavation
• 8831 - Veterinarians 
• 5403 - Carpentry NOC
• 0917 - Janitorial Services
• 8001 - Florists
• 8381 - Gasoline Station: self-service
• 6400 - Fence Erection Contractors
• 8045 - Drugstore: retail
• 8292 - Warehouses NOC
• 8832 - Medical Offices
• 9102 - Lawn Care Services
• 9015 - Buildings / Premises: bank or office, mercantile or manufacturing (lessor's risk only) / maintained by the Insured / other than not-for-profit

Liberty Mutual has many billing options to offer your clients including, EFT options, non-EFT pay plans (annual, quarterly, monthly) as well as Your Way Pay™, the pay-as-you-go billing option for workers compensation (WC) policies. Check out a few of the benefits to using Your Way Pay below!

Client benefits:

• No down payment
• Better cash flow management
• Reduced risk of owing large additional premium at the end of the policy term due to under-reported payroll
• Automatic withdraws of premium payments
• No installment fees
• No service charges (Liberty Mutual does not charge a service fee for Your Way Pay. Should a payroll provider report the payroll on the Insured's behalf, please check to see if they charge a fee for that service.)

Agency Benefits:

• Improves retention
• Allows you to provide your clients with increased billing flexibility and convenience
• Reduces premium audit exposure and hassles
• Reduces risk of non-payment and cancellation issues
• Quick and easy to add Your Way Pay
• It's easy to sell - policyholders want it!