Filing insurance claims with Liberty Mutual can be a complex task. Individuals can choose different options when filing a claim with Liberty Mutual, including using the Liberty Mutual mobile application, going to the Liberty Mutual website, and calling Liberty Mutual\u2019s customer service line.<\/p>
Dealing with the insurance claims process while protecting your rights can be difficult against the aggressive legal teams at Liberty Mutual, as they are one of the biggest insurance providers in the US. It might be easier getting your life back on track after an accident, especially when you are covered by large insurance companies like\u00a0Liberty Mutual. But what exactly does Liberty Mutual Insurance mean as a claims policyholder?\u00a0<\/p>
Liberty Mutual Group is an American diversified global insurer and the sixth-largest property and casualty insurer in the United States. Founded in 1912, it offers a wide range of insurance products and services, including personal automobile, homeowners, workers\u2019 compensation, commercial multiple peril, commercial automobile, general liability, global specialty, group disability, fire insurance, and surety.<\/p>
Liberty ranks 71st on the\u00a0Fortune 100\u00a0list of largest corporations in the United States based on 2020 revenue.\u00a0With its headquarters in\u00a0Boston, Massachusetts, and featuring the\u00a0Statue of Liberty\u00a0(formally\u00a0Liberty Enlightening the World<\/em>) on its logo, it employs over 45,000 people in more than 900 locations throughout the world.<\/p> In the United States, Liberty Mutual remains a mutual company in which policyholders holding insurance contracts are considered shareholders in the company. However, the company\u2019s brand usually operates as a separate entity outside the United States. It often creates a subsidiary in countries that cannot enjoy legally recognized mutual-company benefits.<\/p> These are the top insurance policies from Liberty Mutual:<\/p> This 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\u2019s property while on a job site.<\/p> General liability insurance does not cover damage to your own property or injuries to your employees. That kind of situation would require commercial property insurance and workers\u2019 compensation coverage.<\/p> Liberty Mutual offers general liability insurance as a stand-alone policy or bundled with property insurance as part of its business owners\u2019 policy.<\/p> Liberty Mutual\u2019s business owners policy (BOP) combines general liability and commercial property coverages together under one policy. So, you\u2019d be covered if your business were to be sued by a third party for claims like bodily injury, property damage, and personal injury or if some of your business\u2019s equipment or furniture were to be damaged by a covered peril.<\/p> Liberty Mutual offers workers\u2019 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\u2019 compensation coverage for businesses with at least one employee, though some states have a higher threshold.<\/p> Workers\u2019 compensation covers the employee\u2019s medical expenses and also shields businesses from lawsuits related to the incident. It typically covers the following expenses:<\/p> Workers\u2019 compensation won\u2019t pay out if the employee\u2019s injury occurred while performing a personal task, under the influence of drugs or alcohol or participating in a voluntary recreational activity.<\/p> Professional liability, or errors and omissions (E&O) policies protect a service-oriented business against claims of negligence, inaccurate advice, misrepresentation, or failure to disclose important information.<\/p> Liberty Mutual offers options for contractors and designers, architects and engineers, technology professionals, lawyers, and more.<\/p> If your business uses vehicles as part of its operations, Liberty Mutual\u2019s commercial auto and fleet policies can provide coverage for things like liability, physical damage, and uninsured motorists. Whether you rely on company-owned cars, employees\u2019 personal cars, or hired or leased vehicles, you should contact a Liberty Mutual agent for more information on its policies.<\/p> Liberty Mutual\u2019s commercial auto insurance can cover a single business vehicle or an entire fleet.<\/p> These policies provide coverage for businesses with a physical location, inventory, and equipment. It can help repair, replace, or rebuild damaged property after a covered loss, like fire, vandalism, theft, or severe weather, occurs. Liberty Mutual\u2019s commercial property policies are tailored for businesses of varying sizes and needs.<\/p> Liberty Mutual\u2019s management liability policies protect company leaders against lawsuits that are based on the activities of company management, finances, benefits, and governance. This can include liability for directors and officers (D&O), school leaders, fiduciaries, employment practices, and public officials.<\/p> This type of policy protects companies in the healthcare industry, like HMOs, healthcare providers and programs, hospitals, and long-term care facilities. It offers stop-loss coverage, property and casualty coverage, and reinsurance coverage designed to mitigate the legal, financial, and reputational risks that come with being in the industry.<\/p> If physical equipment is necessary to keep your business running, this type of insurance can help cover the associated risks. For example, it can cover short circuits, power surges, and other unexpected losses when they damage equipment or systems like computers, kitchen appliances, and production machinery.<\/p> That includes repair and replacement costs and losses from spoiled products, as well as resulting lost income.<\/p> These policies cover companies that have risks related to environmental factors, such as site pollution, contractor legalities, and emergency cleanups. The coverages included will depend on the package. For example, the environmental protection policy has general liability, contractor pollution liability, site pollution liability, and professional liability.<\/p> Excess and surplus lines (E&S) policies help cover companies with complex needs that standard insurance policies may not meet due to high and unique risks. This can include both property and liability coverages. E&S policies are provided by non-admitted or unauthorized insurance carriers, meaning they don\u2019t have to be licensed within your state to provide you with coverage.<\/p> Ironshore, a Liberty Mutual company and wholesale distribution channel, provides the E&S policies.<\/p> These policies are a specialized form of property coverage. Liberty Mutual\u2019s inland marine policies can help cover gaps in standard property policies if, for example, your business has assets that are under construction or regularly move locations. It can also include inventory that is moving between locations.<\/p> Despite the use of the word \u201cmarine,\u201d this typically only applies to transit over land, or assets that are temporarily warehoused by a third party.<\/p> Unlike inland marine, ocean marine specifically covers assets on or near the water. For instance, companies that build ships, port operators, cargo owners, and vessel operators can find tailored coverage, such as marine liability and marine hull protection and indemnity.<\/p> You can file a claim over the phone or through the Liberty Mutual website. Filing online usually takes about 10 minutes, and a claims representative typically gets back to you within two business days. With a Liberty Mutual online account, you can upload documents, schedule repairs and track your claim\u2019s progress with ease. <\/p> Once you receive an estimate and schedule your repairs, Liberty Mutual will issue a check for the repair costs minus your deductible. If you choose a repair facility in the company\u2019s Guaranteed Repair Network, Liberty Mutual will send payment directly to the shop.<\/p> Going to the hospital is important for you as a car accident victim for a few different reasons. First, it will lead to prompt injury diagnosis and the treatments you need to optimize healing and recovery after a car crash. Waiting could exacerbate your injuries. <\/p> Second, it could show an insurance company that your injuries were serious enough to warrant immediate medical attention. Third, it demonstrates to the insurer that did your part to recover from your injuries. <\/p> An insurer will look to see if you were negligent in any way that might have contributed to the bodily injury you are claiming, such as failing to go to the hospital right away or ignoring a doctor\u2019s treatment plan. Obtaining immediate medical care after a car accident could protect you physically and financially.<\/p> If an at-fault driver has Liberty Mutual Insurance coverage, you will need to call the company to file a claim as soon as possible. Before you make the call, gather some facts about your case.<\/p> The insurance agent that takes your claim might ask you these questions as well as others. <\/p> However, only provide answers to the questions asked. Do not offer the insurance claims adjuster extraneous information or long, narrative answers. Never admit fault during conversations with an insurance agent from Liberty Mutual. The agent could use this as a reason to deny your claim.<\/p> Once you have the relevant information, call your own insurance provider to report the crash. Make the call as soon as possible after the car accident. Even if you were not at fault, your insurer will want to know you were in an accident. Then, either call the at-fault driver\u2019s insurance company directly or wait for its insurance adjuster to call you. This may take a day or two. <\/p> If you wish to call Liberty Mutual Insurance directly, dial 1-844-525-2467. You can also\u00a0submit a claim online. Give the agent the name of the driver to access his or her policy information. Deal with the claims process as quickly as you can to make sure you meet any deadlines the company might impose.<\/p> Once an insurance adjuster from Liberty Mutual contacts you, be careful what you say. The agent from Liberty Mutual will want to save the insurance company money rather than maximize your financial recovery after a car accident. The agent may be waiting for you to make a mistake or say the wrong thing to hurt your chances of obtaining compensation. <\/p> You might need an\u00a0insurance lawyer\u00a0to handle correspondence with Liberty Mutual on your behalf.<\/p> Protect yourself by documenting everything. Keep track of all discussions you have with the insurance agent by recording them or writing down the details immediately after you hang up. Avoid coming to any agreements without first contacting your attorney. Do not agree to give the adjuster a recorded statement and do not sign anything unless required by law enforcement. <\/p> Before you say yes to the first settlement offer, contact a lawyer to find out if it is in your best interests. A car accident lawyer can assist you with every step of your claim.<\/p>Liberty Mutual\u2019s business insurance products<\/strong><\/span><\/h2>
General liability insurance<\/strong><\/h3>
Business Owners Policy (BOP)<\/strong><\/h3>
Workers\u2019 compensation insurance<\/strong><\/h3>
Professional liability<\/strong><\/h3>
Commercial auto insurance<\/strong><\/h3>
Commercial property<\/strong><\/h3>
Management liability<\/strong><\/h3>
Healthcare liability<\/strong><\/h3>
Equipment breakdown<\/strong><\/h3>
Environmental liability<\/strong><\/h3>
Excess and surplus lines (E&S)<\/strong><\/h3>
Inland marine<\/strong><\/h3>
Ocean marine<\/strong><\/h3>
How do Liberty Mutual insurance claims work?<\/strong><\/h2>
How to file claims with Liberty Mutual Insurance<\/strong><\/span><\/h2>
Go to the hospital<\/strong><\/h3>
Gather information about your accident<\/strong><\/h3>
File your claim<\/strong><\/h3>
Protect your rights as a claimant<\/strong><\/h2>
Recommended Articles <\/strong><\/span><\/h2>
References<\/strong><\/span><\/h2>