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Liberty Mutual Business Insurance
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Liberty Mutual
Insureon is proud to offer small business insurance quotes from our trusted partner Liberty Mutual. Founded in 1912, Liberty has become one of the largest property and casualty insurers in the world. The company combines local expertise with national capabilities to deliver exceptional service.
AM Best rating: A (Excellent)
Customer rating: 90% highly satisfied with claims process
Location: Boston, MA
Specialty: Property and casualty insurance
Why should I choose Liberty Mutual?
Liberty Mutual is a leading insurer and one of Insureon's best options for buying small business insurance. The company supplies quotes quickly, so Insureon's free online application can retrieve quotes for policies.
Liberty has the financial strength and the flexibility to meet the evolving needs of small business owners. It is deeply committed to its agents and consistently ranks as a top employer.
Liberty Mutual offers 24/7 online account services, including:
- Access and print policy documents
- View policy activity, including renewals and endorsements
- Pay bills online quickly and easily
- Check the status of a claim
What business insurance products does Liberty Mutual sell?
These are the top insurance policies sold by Liberty. You can also view all business insurance policies offered through Insureon.
Business owner's policy
A business owner's policy, or BOP, is the policy most often recommended by Insureon's licensed agents. It combines general liability insurance and commercial property insurance at a discount to protect against common liability and property risks.
Commercial auto insurance
Commercial auto insurance covers legal fees, medical bills, and property repairs for accidents involving your business vehicle. State laws usually require this coverage for vehicles owned by a business.
General liability insurance
General liability insurance is typically the first policy purchased by small business owners. It covers the cost of common accidents involving customers, such as someone who trips and suffers an injury in your office.
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Commercial property insurance
Commercial property insurance is essential for businesses that own a building, valuable equipment, or inventory. This policy helps cover the cost of a burglary, vandalism, or storm damage.
Liberty also offers specialized forms of property insurance, including:
- Equipment breakdown insurance for equipment and machinery
- Inland marine insurance for items in transit or stored off-site
Inland marine insurance
Commercial property insurance has exclusions for items stored off-site and mobile property, which is where inland marine insurance steps in. This policy covers equipment that moves to different worksites, inventory stored at a storage unit, and products in transit.
Commercial umbrella insurance
Commercial umbrella insurance boosts coverage on an underlying policy, such as general liability insurance or commercial auto insurance, once the policy limits are reached. It helps pay for the most expensive lawsuits.
Workers' compensation insurance
Workers' compensation insurance covers the cost of medical treatment and disability benefits for employee injuries and occupational diseases.
Each state has its own laws for when a business must carry this coverage. Typically, you need it as soon as you hire your first employee.
Find business insurance requirements in your state
Select your state to learn about insurance requirements for your small business.
Get insurance coverage that meets your business needs
View video transcript.
As a small business owner, you know it’s important to work with first-rate carriers when it comes to choosing the best small business insurance. With Insureon, you'll get free quotes from top-rated insurers. And our expert agents can answer any questions you have. While every small business is different, many companies share similar risks. Insureon offers the best business insurance coverage at affordable costs. Most small businesses require general liability insurance for common business risks, such as bodily injury and customer property damage. For businesses looking to save money, a business owner's policy, or BOP, bundles general liability coverage and commercial property insurance into one policy. Unhappy clients? Professional liability insurance, also known as errors and omissions, helps cover your legal expenses in event of a lawsuit. Required in most states, workers’ compensation insurance assists with work-related injury costs and lost wages. Do you handle customer data and information? Cyber liability insurance covers financial losses resulting from data breaches and cyberattacks. If your business owns vehicles, then you probably need commercial auto insurance. It’ll cover legal bills, medical expenses, and property damage to company-owned vehicles. With so many companies offering nationwide coverage, there's no shortage of insurance options. Insureon can help match you with the right A-rated insurance providers. Insureon is your number one marketplace for small business insurance.
Who does Liberty Mutual serve?
Liberty Mutual offers insurance protection for numerous industries in every state except Hawaii. Top industries covered by Liberty include:
Don't see your profession? Don't worry. We insure most businesses.
How much does small business insurance cost?
From our customer data, here's a quick look at median costs for small businesses:
Business owner's policy: $57 per month
General liability: $42 per month
Workers' comp: $45 per month
View small business insurance costs.
Factors such as business income and number of employees affect your premium. Start a free application to see insurance costs for your business.
How do I get insurance for my business?
Insureon can help you find the right insurance for your small business. It's an easy three-step process:
- Fill out our free online application. We'll ask for basic information about your business, such as revenue and number of employees.
- Review quotes from our trusted carriers, such as Liberty Mutual, and choose a policy.
- Pay for your policy online and download a certificate of insurance.
Most small business owners can buy a policy and get proof of insurance on the same day they apply for quotes. Note that you won't see quotes from all carriers, only those that match your risks.