Globalization. Industry consolidation. Financial services deregulation. Multi-channel distribution. Terrorism.

These are just some of the complex issues facing today’s global insurer.

Obviously, the insurance marketplace is much changed from when Liberty Mutual was founded in 1912 as one of the first workers compensation providers. However, while the environment in which we operate is constantly changing, and the pace of that change accelerating, our role as an insurance company remains fundamentally the same. Today, as was the case 90 years ago, Liberty Mutual helps people live safer, more secure lives. And we do so by remaining financially strong, by being sensitive to the needs of our customers, by being creative, flexible and responsive in how we service those needs, and by consistently delivering what we promise.

Yes, we are a much larger, more diversified company today than we were 90, or even five, years ago. We constantly evolve to meet our customers’ changing needs and thus compete successfully in today’s marketplace.

What differentiates Liberty Mutual, however, is not our size or breadth of product offerings, but how well we serve our customers. Service excellence is our mantra, whether it’s how well we manage global risk for a huge multinational, identify sources of loss at a mid-sized manufacturer, partner with an agent or broker, or handle your claim for a dented front fender.

In the following pages are examples of the many ways we work with you with the goal of adding value and providing superior service. After all, this is what we do.