Liberty Mutual Business Insurance Review 2023: Pros, Cons, Coverage Options

Liberty Mutual business insurance is sold through independent agents and brokers.
Kelsey Sheehy
By Kelsey Sheehy 
Edited by Christine Aebischer

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Liberty Mutual business insurance


NerdWallet rating 

Liberty Mutual offers a full range of business insurance coverage, including general liability, workers’ compensation and commercial auto insurance. All policies are sold via independent brokers and agents.

Liberty Mutual’s website is sparse on details. You can’t get a quote or find out basic information, like what types of business vehicles are covered under its commercial auto policy. You need to contact a broker to get into the nuts and bolts of each policy.

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Liberty Mutual business insurance: Pros and cons



Wide range of business insurance policies to fit the needs of most businesses.

No online quotes.

Industry-specific coverage options for construction, health care and wholesale businesses, among others.

Website lacks in-depth detail on commercial insurance policies.

Liberty Mutual business insurance: Types of coverage

Liberty Mutual offers the following coverage options for small-business owners:

Liberty Mutual also offers management liability and inland marine policies, as well as industry-specific coverage options for construction, health care and wholesale businesses, among others.

While business insurance policies are handled in-house — via Liberty Mutual or its subsidiary Ironshore — all policies are sold by independent agents and brokers, who typically provide quotes from multiple insurance companies. You cannot get a business insurance quote online from Liberty Mutual.

Liberty Mutual general liability insurance

General liability insurance is a must-have for business owners. It helps cover costs that arise due to bodily injury, personal injury, property damage and advertising injury (libel, slander and copyright infringement). As a rule, liability coverage applies only to third-party claims, such as if a customer falls in your parking lot or an employee damages a customer’s property while on a job site.

General liability insurance doesn’t cover damage to your own property or injuries to your employees. Commercial property insurance and workers’ compensation coverage would be required in those instances.

Liberty Mutual offers general liability insurance as a stand-alone policy or bundled with property insurance as part of its business owners policy.

Liberty Mutual workers’ compensation insurance

Liberty Mutual offers workers’ compensation insurance to protect business owners if an employee is injured on the job or becomes ill as a result of their work. Most states mandate workers’ compensation coverage for businesses with at least one employee, though some states have a higher threshold.

Workers’ compensation covers the employee’s medical expenses and also shields businesses from lawsuits related to the incident. Workers’ comp typically covers the following expenses:

  • Immediate medical care.

  • Rehabilitation.

  • Disability and lost wages.

  • Survivor benefits.

Workers’ compensation won't pay out if the employee’s injury occurred while performing a personal task, under the influence of drugs or alcohol or participating in a voluntary recreational activity.

Liberty Mutual commercial auto insurance

Liberty Mutual’s commercial auto insurance can cover a single business vehicle or an entire fleet. Policies typically include liability, physical damage, bodily injury and uninsured motorist coverage.

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How much does Liberty Mutual business insurance cost?

Liberty Mutual doesn't disclose the average cost of its business insurance policies. Business owners need to contact an independent broker or agent to discuss policy details and get a quote. Factors like coverage, location, business type and associated risk factors will influence your rate.


Business insurance ratings methodology

NerdWallet’s business insurance ratings reward companies that offer small-business owners reliability and ease of use. Ratings are based on weighted averages of scores in several categories, including financial strength, customer complaint data, shopping experience and customer service. Learn more about how we rate small-business insurance companies.

These ratings are a guide, but insurance policy details and prices can vary widely from business to business and provider to provider. We encourage you to shop around and compare several insurance quotes.

NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2021.

To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.

Our star ratings consider ratios for both general liability insurance and commercial property insurance. When an insurer sells policies that are underwritten by several different insurance companies, we consider the NAIC complaint ratios of all the underwriters.