Liberty Mutual Business Insurance

3526 reviews
on 2 websites

Key Features

  • 24/7 telephone line for claims
  • Wide scope of coverage
  • Focus on small business commercial policies
  • Worker’s compensation coverage
  • Commercial property coverage
  • Serves businesses in most industries


Liberty Mutual offers a wide array of pricing options. The rate you’ll get from them depends on several factors, including:

  • Claims history
  • Industry
  • Gross sales
  • Payroll
  • Location
  • Deductions
  • Endorsements (where applicable)

The total cost of a Liberty Mutual small business insurance policy should land between $30 and $200 per month, though this rate could be higher depending on your unique situation. It’ll also depend on the type of coverage you decide to purchase.

Generally, your insurance policy won’t cost much if the scope of your coverage is narrow. However, if you want substantial coverage, you’ll have to pay a more substantial amount.

Things To Note

Liberty Mutual is an affordable and generic business insurance provider. They serve businesses of all sizes, with a focus on small businesses, but you should keep in mind they serve small businesses best.

You should also note that Liberty Mutual offers specific insurance policies that cover specific circumstances. These specific packages include:

  • Business interruption coverage
  • Business owner’s policy (complete package)
  • Crime coverage
  • Commercial vehicle coverage
  • General liability coverage (for most claims or lawsuits)
  • Product liability coverage
  • Workers’ compensation coverage

Lastly, you should note that Liberty Mutual serves clients in many industries, but not all of them. According to the company’s website, they cover businesses in the following sectors:

  • Agriculture
  • Building Maintenance
  • Construction
  • Education
  • Energy
  • Financial Services
  • Food and Beverage Manufacturers
  • Healthcare
  • Hospitality
  • Manufacturing
  • Public Entities
  • Printing and Publishing
  • Real Estate
  • Religious Organizations
  • Restaurants
  • Retail
  • Transportation
  • Wholesale

In A Nutshell

Liberty Mutual offers you a decent, affordable policy for your business. They are a reputable insurance provider that is usually easy to work with. Their policies are robust, and the potential scope of their coverage is wide.

Signing up for a Liberty Mutual policy is easy. Making a claim with Liberty Mutual is also easy. In a nutshell, Liberty Mutual makes insurance rather easy and offers well-rounded protection for businesses, especially small businesses.


While Liberty Mutual offers mainstream business insurance policies, several things that set them apart from other insurance providers.

Claims Process & Tracking

Liberty Mutual makes the entire claims process easier and more personalized than other business insurers. Contacting them is easy and you can easily find information on policies and their claims process on their intuitive website.

While you can make a claim 24/7 over the phone, Liberty Mutual also offers a useful website. You can make a claim on their website or through their mobile app as well. The Liberty Mutual website has a policy management feature that makes it easy to keep track of your policies, pay bills, and track claims. You can also track a claim through their mobile app.

Diverse Coverage Options

You can gain specific coverage for your business depending on the unique concerns you have as a business owner. For example, if your business operates in an area with a high crime rate and you don’t have many other concerns, you can just buy crime coverage. You can also add other specific options to your Liberty Mutual policy.

Of course, if you want to be more thoroughly covered, Liberty Mutual offers more comprehensive packages if you’re willing to pay more. Even if you are especially worried and need coverage beyond what is considered normal, Liberty Mutual has something to offer you. The company offers additional coverage in case you’re worried about an event that would cause substantial losses.


Liberty Mutual is a busy company. They work with over 14,000 other establishments so if you look there’s a good chance you can land an affinity discount.

Mobile Friendly

The online and mobile versions of Liberty Mutual’s service are both comprehensive. You can access the claim tracking feature on the mobile app, where you can also view your policy information. It’s easy to make payments, make claims, and keep track of everything that matters on the go.

Also, interestingly, if you have Amazon’s Alexa, she can be your insurance agent! You can get a Liberty Mutual quote using the device or ask for general insurance advice.

The Final Word

Liberty Mutual offers well-rounded insurance packages for small businesses. They also offer extended coverage for businesses with specific concerns or larger businesses. In the end, Liberty Mutual is a well-established and generally fair provider of insurance for businesses.

Liberty Mutual isn’t a generically excellent insurance provider when you consider all the factors that go into making a great insurance provider. However, when you focus on their business insurance products, many of their shortcomings are less worrying. The company gets a considerable but not overwhelming number of complaints from customers, but their business insurance offers attract the least negativity.

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