Our History

​Over the past 100 years, Liberty Mutual Insurance has been committed to helping people preserve and protect what they earn, build, own and cherish. As we look to the future, we remember a century’s worth of milestones made possible by our employees, partners and most importantly our customers.


  • ​​The Massachusetts Legislature passes a law requiring employers to protect their employees with workers' compensation insurance.
  • ​​The Massachusetts Employees’ Insurance Association (MEIA), the forerunner of today’s Liberty Mutual, begins operation on July 1, 1912. As a mutual company, the MEIA is owned by its policyholders, not stockholders. It works on behalf of its policyholder customers — a tradition that continues to this day.
  • ​Company opens first branch office in Springfield, Massachusetts. The Company issues its first automobile policy.
  • ​​MEIA changes its name to the Liberty Mutual Insurance Company and begins writing public liability insurance. It also enters into an arrangement with the United Mutual Fire Insurance Company (later named Liberty Mutual Fire Insurance) to provide complete automobile insurance.
  • Liberty Mutual launches its first advertising campaign.


  • ​Two safety films — "The Outlaw" and "The Hand of Fate" — are seen by more than a quarter of a million plant managers and employees.
  • ​The first meeting of the Liberty Mutual Board of Directors and Customer Advisory Board takes place.


  • ​​Liberty Mutual distributes safety materials in high school drivers' education courses, an effort that continues today through the Company's teen driving program.
  • ​​Liberty Mutual holds a groundbreaking ceremony for its new home office in Boston.
  • Liberty Mutual becomes the no.1 writer of workers compensation insurance.
  • Liberty Mutual completes expansion of its operations to all 48 states.


  • ​​During World War II, Liberty Mutual provides more service for policyholder contractors operating overseas than any other casualty company, often in remote locations: Somaliland, Greenland, and Guam.
  • Liberty Mutual opens the first rehabilitation center in the country in Boston, with a goal of helping restore the injured to useful lives.


  • Liberty Mutual Research Institute partnered with the Cornell Aeronautical Laboratory in the early 1950s to develop Survival Cars I and II. In a time when cars were designed almost solely for looks and function, these prototype vehicles introduced the world to safety features such as collapsible steering columns, arm and headrests, air bags and seatbelts. Several of these features have since become standard in all U.S. automobiles, helping to dramatically reduce the rates of crash-related injuries and fatalities.


  • ​In the early 1960s, researchers at the Liberty Mutual Research Institute were the first to apply psychophysical methods to study the injury risks involved in manual handling tasks. Researchers used data from these studies to produce tables of maximum acceptable weights and forces that workers can lift, lower, push, pull, or carry without excessive fatigue. For decades, the Liberty Mutual Tables have helped safety experts design tasks to reduce injury risks.
  • In the 1960s, Liberty Mutual researchers developed and patented the first Horizontal Pull SlipmeterTM, a portable device for evaluating floor slipperiness. By providing an objective measure of slipperiness, this device—a forerunner of modern floor surface assessment tools—helped researchers and safety practitioners develop prevention strategies. It also provided a valuable tool for investigating floor surface assessment methods and cleaning protocols.
  • MIT, Harvard Medical School, Massachusetts General Hospital and Liberty Mutual produced a revolutionary artificial arm. Dubbed the Boston Arm/Elbow, the prosthesis was a major breakthrough in rehabilitation allowing the same proportional control as in an uninjured arm.
  • ​​Liberty Life Assurance Company of Boston is established offering a full range of individual and group life insurance products.  
  • ​Liberty Mutual establishes the Skid Control School, the first in North America, at the Hopkinton, Massachusetts, Research Center for Safety and Health.
  • Liberty International Agency was formed to handle the foreign insurance requirements of the Company's domestic policyholders doing business overseas.


  • ​Liberty Mutual surpasses the $2 billion mark in written premiums.
  • ​Liberty Mutual Insurance Company (Massachusetts) Limited was chartered in London to participate in the international reinsurance market, becoming the Company's first wholly owned international office. 


  • ​​The Medical Service Center in Boston expands to include The Back School, which shows people with low-back pain from work injuries how to live productive lives.
  • Liberty Mutual enters the financial services business with the purchase of Liberty Financial Services.


  • ​Liberty Mutual forms Liberty International Holdings to underwrite commercial risks in selected international markets, and to export the Company's highly regarded health and safety services.
  • ​Liberty Mutual acquires Golden Eagle Insurance of San Diego, California, the first of many acquisitions that would be combined into Liberty's Regional Agency Markets organization.
  • ​​Liberty Mutual affiliates with Employers Insurance of Wausau, one of the most recognizable and respected brand names in the United States commercial insurance and risk management marketplace.
  • Liberty Mutual purchases Latinoamericana de Seguros SA in Colombia, and Citystate Insurance in Singapore, Hong Kong, and the Philippines.
  • Liberty Mutual establishes the Center for Disability Research at the Research Center for Safety and Health in Hopkinton, Massachusetts.


  • In 2000, Liberty Mutual Research Institute epidemiologists produced the first reliable, published ranking of the 10 leading causes of U.S. disabling work-place injuries and their direct costs to industry. The Liberty Mutual Workplace Safety Index has been cited in various mainstream and business publications, including USA Today, U.S. News & World Report, The Wall Street Journal, Risk & Insurance, and Occupational Hazards.
  • ​Liberty Mutual partners with SADD (Students Against Destructive Decisions) to explore solutions to problems associated with teen use of alcohol and drugs, as well as driving issues.
  • Policyholders of Liberty Mutual Insurance Company and Liberty Mutual Fire Insurance Company overwhelmingly approve the Company's mutual holding company plan during special meetings for members of both companies.
  • ​​Liberty Mutual sells Liberty Financial Companies and its asset management, and annuity and bank marketing businesses, allowing Liberty to focus on providing property and casualty products and services.
  • Liberty Mutual acquires OneBeacon, positioning its Agency Markets business as a true national organization of regional companies with operations in 42 states
  • Liberty expands into Spain with two acquisitions, and strengthens its operations in Colombia and Venezuela with the purchase of two more companies.
  • ​Liberty Mutual converts to a mutual holding company structure. The conversion better positions Liberty Mutual to compete on the global property and casualty stage.
  • Liberty Mutual loss prevention professionals coordinate the safe clean-up of the World Trade Center site.
  • Liberty acquires Winterthur’s operations in Portugal, and China approves Liberty Mutual’s insurance license application to open an insurance branch operation.
  • ​Liberty renames its research center the Liberty Mutual Research Institute for Safety, coinciding with the physical expansion of the Research Institute – from 42,570 sq. ft. to 93,800 sq. ft.
  • Liberty Mutual completes its purchase of Prudential Financial’s U.S. personal lines property and casualty operations in 47 states.
  • Liberty Mutual Group acquires Met Life’s Spanish operations.
  • ​​Liberty announces five-year event sponsorship of Boston's Fourth of July on the Esplanade, America's premier Independence Day celebration that is televised nationally on CBS stations.
  • Liberty Mutual opens "Where's The Fire?", a fire safety and education exhibit at INNOVENTIONS at Epcot ® at the Walt Disney World ® Resort in Florida.
  • Liberty Mutual sells its Canadian personal lines business in Canada to Meloche Monnex, Inc., a member of TD Bank Financial Group.
  • Liberty Mutual becomes the first foreign property and casualty insurance company in western China when it opens an office in Chongqing, the company’s first insurance office in China.
  • ​Liberty Mutual expands its presence in Boston, buying properties at 10 St. James Avenue and 75 Arlington Street in the Back Bay.
  • The National Safety Council presents its 2005 Green Cross for Safety Medallion to Liberty Mutual Group and Chairman, President and CEO Ted Kelly, recognizing the organization and its leader for outstanding achievements in safety and health, community service and responsible citizenship.
  • Liberty Mutual acquires ING’s P&C operations in Chile.
  • The company reorganizes its commercial Strategic Business Units to better align distribution channels and strengthen operations. Liberty Mutual Agency Markets is formed to coordinate and rationalize our third party distribution processes. Liberty Mutual Agency Markets comprise Wausau, Liberty Mutual Surety and Regional Agency Markets. 
  • ​Liberty Mutual launches national advertising campaign posing the question: "Responsibility. What's Your Policy?
  • Liberty International Underwriters enters Middle East with new office in Dubai, United Arab Emirates, bringing number of LIU offices worldwide to 29.
  • Liberty Mutual Group enters Turkey’s insurance market with acquisition of Seker Sigorta A.S.
  • Liberty Mutual Group receives General Insurance License from Vietnam’s Ministry Of Finance.
  • The company launches the inaugural Liberty Mutual “Coach of the Year” award, recognizing responsibility and excellence of college football coaches on and off the field. Rutgers Football Coach Greg Schiano is the the first to receive the award.
  • Liberty Mutual launches the Chairman's Community Service Award, which honors three employees each year who make "significant and sustained volunteer contributions"--outside of company-sponsored events--to charitable organizations in their community.
  • ​J.D. Power and Associates recognizes Liberty Mutual Direct Call Centers for Customer Service Excellence.
  • Give with Liberty--a new countrywide charitable giving program for U.S. employees commences.
  • Liberty Mutual Group completes acquisition of Ohio Casualty Corporation.
  • Liberty Mutual Group holds grand opening for Dover, N.H., office building.
  • Liberty Brazil has signed an agreement to buy Indiana Seguros, S.A.
  • Peerless Insurance reenters Massachusetts auto market.
  • ​Wausau Insurance joins Commercial Markets SBU.
  • Liberty Mutual launches The Responsibility Project – an online forum designed to open a national dialog about responsibility.
  • Liberty Mutual Group adds up to 300 jobs in Massachusetts with new Springfield office.
  • Liberty Mutual Group acquires Safeco Corporation.
  • For the second year, J.D. Power recognizes Liberty Mutual Direct Call Centers for customer service excellence.
  • Liberty Mutual Group opens an additional branch in Beijing, China.
  • ​​Liberty Mutual Group introduces Middle Market as a new business unit in Commercial Markets (which replaces the Business Market and Wausau).
  • Liberty Mutual Group moves up eight spots to rank 86th on the Fortune 500 list of America's largest companies.
  • Liberty Mutual Group extends title sponsorship of the Liberty Mutual Legends of Golf through to 2014.
  • Liberty Mutual Group acquires Salvation Army's Boston building.
  • Liberty Mutual Group joins online community of millions with official Facebook and Twitter pages.
  • Liberty Mutual Group sponsors Oprah Winfrey’s 2009-2010 television season.
  • Liberty Mutual Group ranks at number 31 in Business Week's "2009 Best Places to Launch a Career."
  • Liberty Mutual Group receives China Insurance Regulatory Commission (CIRC) approval to open Zhejiang branch.


  • Liberty Mutual Group opens new China branch in Zhejiang province.
  • Liberty Mutual Group pledges to increase college hires by 30 percent in 2010.
  • Liberty Mutual Group moves up 15 spots to rank 71st on the Fortune 500 list of America's largest companies.
  • Liberty Mutual Group announces intention to form a public company comprising the Agency Markets Strategic Business Unit.
  • Liberty Mutual holds groundbreaking ceremony for expansion of its worldwide headquarters.
  • ​Liberty Insurance (China) opens branch in Guangdong.
  • Liberty Mutual Group's completion of the acquisition of Quinn Insurance (Ireland).
  • David Long elected President and Chief Executive Officer of Liberty Mutual.
  • Liberty Seguros (Brazil) announces it will be a national supporter of the 2014 FIFA World Cup.
  • ​Liberty to sponsor U.S. Olympic.
  • Liberty Direct Poland named best employer.
  • Liberty Mutual Insurance enters Ecuador acquiring two local insurers.
  • Liberty Mutual celebrates 100 years in business.
  • ​Liberty Mutual Insurance enters Mexico with acquisition of Primero Fianzas.
  • Liberty Mutual (China) opens Shandong branch.
  • Liberty Mutual Insurance expands home office in Boston with Ribbon Cutting Ceremony.
  • Liberty Mutual Insurance elects David H. Long Chairman; Edmund F. (Ted) Kelly to retire.
  • ​Liberty Mutual Insurance enters into Reinsurance Agreement with National Indemnity Company.
  • Liberty Mutual Insurance unveils new advertising and brand campaign to "See Car Insurance in a Whole New Light".
  • Liberty Mutual Insurance Group announces expansion in Northern Ireland with acquisition of Hughes Insurance.
  • Liberty Mutual Insurance Group acquires Malaysian Insurance Company.
  • ​Liberty Mutual Insurance named Gold Medal Sponsor of US Rowing.
  • Liberty Mutual Insurance named sponsor of the U.S. Soccer Federation.