Strategic Business Units
Liberty Mutual Group operates through four strategic business units with no single unit contributing more than 30 percent of net premium written. Read on to learn more.
Personal Markets
Liberty Mutual’s Personal Markets provides full lines of coverage for private passenger automobile, homeowners, valuable possessions and personal liability through its own sales force in more than 400 offices throughout the U.S., two direct response centers, appointed Prudential agents and the internet. It also offers a wide range of traditional and variable life insurance and annuity products through a subsidiary, Liberty Life Assurance Company of Boston. Personal Markets’ largest source of new business is its more than 9,800 affinity group relationships, including employers, credit unions, and professional and alumni associations. Liberty Mutual’s affinity program is the industry’s most-sponsored voluntary auto and home insurance benefit.
www.LibertyMutual.com
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Commercial Markets
Liberty Mutual’s Commercial Markets provides mid-sized and large companies with high-quality insurance products and services through six business units:
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National Market, which serves the complex needs of large companies through national and regional brokers;
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Middle Market, which serves mid-sized companies exclusively through agents and brokers;
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Liberty Mutual Property, which provides property insurance programs to mid-sized and large companies through regional and national brokers;
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Specialty Lines, which provides companies of all sizes specialty coverage through its four businesses: Commercial Affinity, Energy, Global and Umbrella;
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Group Market, which provides companies with more than 250 employees group life and disability products through employee benefits brokers and consultants; and
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Liberty Mutual Reinsurance, which provides property and casualty reinsurance to insurance companies in the U.S. and other countries through reinsurance brokers.
www.libertymutualgroup.com/business
Agency Markets
Liberty Mutual Agency Markets consists of property and casualty, and specialty insurance carriers that distribute their products and services primarily through independent agents and brokers. Core property and casualty products, including a comprehensive set of personal and commercial coverages, are available in most states by the following brands:
Specialty operations include:
International Operations
Liberty International provides personal and commercial lines insurance through operations in 14 markets:
Additionally, Liberty International Underwriters, a global specialty lines insurance and reinsurance business, writes casualty, specialty casualty, marine, energy, engineering and aviation through 31 offices in Asia, Australia, Europe, Latin America, the Middle East and North America. Liberty Syndicate 4472 at Lloyd’s of London writes on a worldwide basis.
www.libertyinternational.com