Liberty Mutual Insurance Workers' Compensation

Liberty Mutual Insurance

Workers' Compensation

For more than 100 years, Liberty Mutual Insurance has led industry efforts to obtain and analyze claims data, help injured workers return to work, and assist employers in managing WC costs. As a Fortune 100 company and the #1 preferred business insurance provider*, Liberty Mutual has the experience, knowledge and resources to deliver superior service and better claim outcomes to the client.

*based on 2016 survey of business insurance buyers on preference of national carriers sold via independent agents.

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. 


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!

This information is provided as a guideline only and is subject to change with or without notice.