Liberty Mutual, as do other property and casualty insurers, helps a diverse set of policyholders manage their risks. We do so not only by using our capital to assume financial risk, but by using our skills and experience to identify and evaluate potential causes of loss.

Vital to the task of risk management is of course the underwriter. The better our underwriters understand the risk characteristics of groups of individuals, or the risks associated with different types of businesses, the better they can match our risk management expertise and appetite for financial risk with the needs of prospective customers. When the match is right, we can best determine loss prevention and loss reduction programs, and tailor coverage to our policyholders’ needs.

On the next two pages, we profile two long-term underwriting relationships: one with a mid-sized manufacturer, the other with a multinational financial services firm. While dramatically different in terms of their risk management issues, each appreciates the benefits of working with the experts at Liberty.