Liberty Mutual Business Insurance Review
Liberty Mutual offers general liability, commercial property, and workers' compensation through its small business business owner's policy (BOP). Is Liberty Mutual business insurance right for your small business?
Liberty Mutual

Total Rating | 3.5 |
---|---|
Pricing | Fair |
Features | Excellent |
Customer Service | Excellent |
Liberty Mutual At A Glance
- Aggregated free quotes offered
- Established, reputable company
- Best suited for mid-sized to larger businesses
Pros
- Available in all 50 states
- Established and trusted
- Competitive pricing
Cons
- No online quotes
- Not all businesses get to file claims online
Table of Contents
- What Is Liberty Mutual Business Insurance?
- Liberty Mutual Small Business Insurance Pricing
- Liberty Mutual Business Insurance Features
- Liberty Mutual Business Insurance Range Of Services
- Liberty Mutual Claims
- Customer Service & Support
- Liberty Mutual Business Insurance Reviews
- Final Verdict Of Liberty Mutual Small Business Insurance
- Liberty Mutual Business Insurance FAQs
What Is Liberty Mutual Business Insurance?
Liberty Mutual is already a top name in the insurance field for its home and auto insurance (and the 6th largest insurance company worldwide), but in addition to protecting individuals, Liberty Mutual also offers competitive small business insurance. As a nationwide brand with regional representation, Liberty Mutual promises its partnership with small businesses is tailor-made for individual policy owners.
Liberty Mutual’s basic small business insurance options include a small business owner’s policy (BOP) which bundles general liability and business property insurance, and workers’ compensation insurance.
Other policy options are add-ons to your general liability or commercial auto, such as an umbrella policy or equipment protection. Liberty Mutual also offers surety bonds.
Liberty Mutual Small Business Insurance Pricing
As with most insurance companies, the cost is determined by any number of fluctuating criteria.
How much business insurance costs will depend on what kinds of insurance you want to purchase for your small business as well as how much and what you want to be covered. Generally speaking, the more coverage you add to your policy, the more expensive it can become.
According to industry leaders, Liberty Mutual’s prices are average among its competitors.
How To Get A Quote From Liberty Mutual
Liberty Mutual has partnered with a company called Tivly (a third-party insurance quote aggregator) to provide free quotes online. There are two options. You can call a number and wait to speak to a representative, or you can fill out an online form and wait to be called back by a representative. Both options involve a phone call with Tivly.
We would prefer an easy online quote without the need to speak to a real human; it’s easier, immediate, and without time-constraints.
You can also get a quote for Liberty Mutual among other insurance providers by using an aggregator like CoverWallet — a company that takes your information and provides you with quotes from a number of various insurers. Read our CoverWallet review for more information.
Liberty Mutual Business Insurance Features
Liberty Mutual offers a wide range of insurances and surety bonds.
Small Business Owner’s Policy
Liberty Mutual’s small business owner’s policy (BOP) bundles general liability, business property insurance, and workers’ compensation insurance. This is the foundational insurance available for small businesses. Any additional coverage will be added to the BOP.
Surety Bonds
Liberty Mutual is the largest surety writer in the United States and Canada. They provide both commercial and construction surety to help guarantee that customers will be paid if they don’t receive services.
Specialty Protection
If your small business has a niche need or coverage issue, Liberty Mutual will work with you to create coverage that is best suited to your needs. Types of specialty protection could include:
- Livestock protection
- Fine art and collectibles
- Ocean marine and inland marine
- Stop loss
- War and terrorism
Liberty Mutual Business Insurance Range Of Services
Liberty Mutual offers small businesses the following insurance policy options:
- Business Owner’s Policy
- General liability insurance
- Worker’s compensation insurance
- Commercial auto insurance
- Commercial property insurance
- Marine insurance
Liberty Mutual Claims
Liberty Mutual has 24/7 claim support, so someone will always be there to answer the phone to talk you through the process or answer questions.
How To File A Claim With Liberty Mutual Business Insurance
You can always contact Liberty Mutual by phone, but you can also file a claim online by logging into your account. To file a claim, you will need your username/password, date of the incident, and details about the incident.
Liberty Mutual also has an app. From the phone app, a small business can pay their bill or file and check on any claims.
Customer Satisfaction With Liberty Mutual Claims
The majority of data concerning Liberty Mutual’s claims department is related to their auto or home insurance policies. When it comes to their auto claims, Liberty Mutual performed at the industry average (according to a 2022 JD Power auto claims satisfaction study). While this data does not specifically support small business claims, it demonstrates that Liberty Mutual is on par with its competitors for claims processing in general. The data for the 2023 property claims satisfaction study shows the same score.
Some customer satisfaction sites say that claim times are a little slower than average.
Customer Service & Support
Liberty Mutual Support | Availability |
---|---|
Phone Support | |
Email Support | |
Support Tickets | |
Live Chat | |
Dedicated Support Representative | |
Knowledge Base or Help Center | |
Videos & Tutorials | |
Company Blog | |
Social Media |
The easiest way to get in touch with customer support at Liberty Mutual is to log-in to your online account. From there, you can access customer support. There is a database of online accounts to assist with the most frequently asked questions and help with filing/checking on claims, etc.
Small businesses can also send a text to Liberty Mutual at their provided number. By sending a message (standard rates apply), you will hear back from a representative at any time. They also purport to be very active and responsive on social media — should you want to send them a Tweet or Facebook message with your questions.
Liberty Mutual Business Insurance Reviews
Liberty Mutual has a very positive reputation overall as an insurance company, with the bulk of online reviewers claiming they were satisfied with getting insured and/or filing claims. All major rating systems of insurance companies score Liberty Mutual high, as well, and they have an A+ rating with the Better Business Bureau.
Here’s what reviewers had to say:
Negative Reviews & Complaints About Liberty Mutual
- Lack of customer support: Some reviewers say they get the runaround from Liberty Mutual when trying to get in touch with someone to escalate their claims/cancel their account.
- Lower than average claims satisfaction: While Liberty Mutual is within the average for claims satisfaction, it does perform slightly under its peers in this category. Slow claims are the biggest complaint.
- Smaller businesses may not have access to online claims: Some small businesses will not be able to make claims online or have access to a dedicated service team, depending on the policy premium — premiums under $250,000 aren’t eligible.
Positive Reviews & Testimonials For Liberty Mutual
- Ease Of Use: Reviews say it is generally easy to file a claim or log-in and check information on your account.
- Local agents are nice/informed: Liberty Mutual is a national brand, but each brand is locally operated. So, you know you are getting an agent from your area who is familiar with state and local laws and risks.
Final Verdict Of Liberty Mutual Small Business Insurance
Liberty Mutual has been around a long time and has established itself as a competitor in the insurance world, and it’s a good insurance company. We consider Liberty Mutual a decent choice, but there are some drawbacks for small businesses.
Claim satisfaction and price are average based on other top choices, and Liberty Mutual is just a fraction behind its peers when it comes to online accessibility. We don’t like that you have to call a third-party to receive a quote, and that small businesses may not receive the same website/online claim filing benefits as larger businesses. If you already have insurance through Liberty Mutual and an agent you trust, it could be a fine option for your small business. If you have the flexibility to shop around, you might find a better fit with a different carrier.
Check out some of the other best small business insurance companies for our top choices.
Liberty Mutual Business Insurance FAQs
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