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</ul> </li> </ul> </li> <li id="toc-Liberty_Mutual_Research_Institute_for_Safety" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Liberty_Mutual_Research_Institute_for_Safety"> <div class="vector-toc-text"> <span class="vector-toc-numb">3</span> <span>Liberty Mutual Research Institute for Safety</span> </div> </a> <ul id="toc-Liberty_Mutual_Research_Institute_for_Safety-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Controversy" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Controversy"> <div class="vector-toc-text"> <span class="vector-toc-numb">4</span> <span>Controversy</span> </div> </a> <ul id="toc-Controversy-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-Advertising" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#Advertising"> <div class="vector-toc-text"> <span class="vector-toc-numb">5</span> <span>Advertising</span> </div> </a> <ul id="toc-Advertising-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-References" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#References"> <div class="vector-toc-text"> <span class="vector-toc-numb">6</span> <span>References</span> </div> </a> <ul id="toc-References-sublist" class="vector-toc-list"> </ul> </li> <li id="toc-External_links" class="vector-toc-list-item vector-toc-level-1 vector-toc-list-item-expanded"> <a class="vector-toc-link" href="#External_links"> <div class="vector-toc-text"> <span class="vector-toc-numb">7</span> <span>External links</span> </div> </a> <ul id="toc-External_links-sublist" class="vector-toc-list"> </ul> </li> </ul> </div> </div> </nav> </div> </div> <div class="mw-content-container"> <main id="content" class="mw-body"> <header class="mw-body-header vector-page-titlebar"> <nav aria-label="Contents" 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class="firstHeading mw-first-heading"><span class="mw-page-title-main">Liberty Mutual</span></h1> <div id="p-lang-btn" class="vector-dropdown mw-portlet mw-portlet-lang" > <input type="checkbox" id="p-lang-btn-checkbox" role="button" aria-haspopup="true" data-event-name="ui.dropdown-p-lang-btn" class="vector-dropdown-checkbox mw-interlanguage-selector" aria-label="Go to an article in another language. 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class="interlanguage-link interwiki-da mw-list-item"><a href="https://da.wikipedia.org/wiki/Liberty_Mutual" title="Liberty Mutual – Danish" lang="da" hreflang="da" data-title="Liberty Mutual" data-language-autonym="Dansk" data-language-local-name="Danish" class="interlanguage-link-target"><span>Dansk</span></a></li><li class="interlanguage-link interwiki-de mw-list-item"><a href="https://de.wikipedia.org/wiki/Liberty_Mutual" title="Liberty Mutual – German" lang="de" hreflang="de" data-title="Liberty Mutual" data-language-autonym="Deutsch" data-language-local-name="German" class="interlanguage-link-target"><span>Deutsch</span></a></li><li class="interlanguage-link interwiki-es mw-list-item"><a href="https://es.wikipedia.org/wiki/Liberty_Mutual" title="Liberty Mutual – Spanish" lang="es" hreflang="es" data-title="Liberty Mutual" data-language-autonym="Español" data-language-local-name="Spanish" class="interlanguage-link-target"><span>Español</span></a></li><li class="interlanguage-link interwiki-fa mw-list-item"><a href="https://fa.wikipedia.org/wiki/%D9%84%DB%8C%D8%A8%D8%B1%D8%AA%DB%8C_%D9%85%DB%8C%DA%86%D9%88%D8%A7%D9%84" title="لیبرتی میچوال – Persian" lang="fa" hreflang="fa" data-title="لیبرتی میچوال" data-language-autonym="فارسی" data-language-local-name="Persian" class="interlanguage-link-target"><span>فارسی</span></a></li><li class="interlanguage-link interwiki-fr mw-list-item"><a href="https://fr.wikipedia.org/wiki/Liberty_Mutual" title="Liberty Mutual – French" lang="fr" hreflang="fr" data-title="Liberty Mutual" data-language-autonym="Français" data-language-local-name="French" class="interlanguage-link-target"><span>Français</span></a></li><li class="interlanguage-link interwiki-id mw-list-item"><a href="https://id.wikipedia.org/wiki/Liberty_Mutual" title="Liberty Mutual – Indonesian" lang="id" hreflang="id" data-title="Liberty Mutual" data-language-autonym="Bahasa Indonesia" data-language-local-name="Indonesian" class="interlanguage-link-target"><span>Bahasa Indonesia</span></a></li><li class="interlanguage-link interwiki-he mw-list-item"><a href="https://he.wikipedia.org/wiki/Liberty_Mutual" title="Liberty Mutual – Hebrew" lang="he" hreflang="he" data-title="Liberty Mutual" data-language-autonym="עברית" data-language-local-name="Hebrew" class="interlanguage-link-target"><span>עברית</span></a></li><li class="interlanguage-link interwiki-ms mw-list-item"><a href="https://ms.wikipedia.org/wiki/Liberty_Mutual" title="Liberty Mutual – Malay" lang="ms" hreflang="ms" data-title="Liberty Mutual" data-language-autonym="Bahasa Melayu" data-language-local-name="Malay" class="interlanguage-link-target"><span>Bahasa Melayu</span></a></li><li class="interlanguage-link interwiki-pt mw-list-item"><a href="https://pt.wikipedia.org/wiki/Liberty_Mutual_Group" title="Liberty Mutual Group – Portuguese" lang="pt" hreflang="pt" data-title="Liberty Mutual Group" data-language-autonym="Português" data-language-local-name="Portuguese" class="interlanguage-link-target"><span>Português</span></a></li><li class="interlanguage-link interwiki-ru mw-list-item"><a href="https://ru.wikipedia.org/wiki/Liberty_Mutual" title="Liberty Mutual – Russian" lang="ru" hreflang="ru" data-title="Liberty Mutual" data-language-autonym="Русский" data-language-local-name="Russian" class="interlanguage-link-target"><span>Русский</span></a></li><li class="interlanguage-link interwiki-simple mw-list-item"><a href="https://simple.wikipedia.org/wiki/Liberty_Mutual" title="Liberty Mutual – Simple English" lang="en-simple" hreflang="en-simple" data-title="Liberty Mutual" data-language-autonym="Simple English" data-language-local-name="Simple English" class="interlanguage-link-target"><span>Simple English</span></a></li><li class="interlanguage-link interwiki-vi mw-list-item"><a href="https://vi.wikipedia.org/wiki/Liberty_Mutual" title="Liberty Mutual – Vietnamese" lang="vi" hreflang="vi" data-title="Liberty Mutual" data-language-autonym="Tiếng Việt" data-language-local-name="Vietnamese" class="interlanguage-link-target"><span>Tiếng Việt</span></a></li><li class="interlanguage-link interwiki-zh mw-list-item"><a href="https://zh.wikipedia.org/wiki/%E5%88%A9%E5%AF%B6%E4%BA%92%E5%8A%A9%E4%BF%9D%E9%9A%AA" title="利寶互助保險 – Chinese" lang="zh" hreflang="zh" data-title="利寶互助保險" data-language-autonym="中文" data-language-local-name="Chinese" class="interlanguage-link-target"><span>中文</span></a></li> </ul> <div class="after-portlet after-portlet-lang"><span class="wb-langlinks-edit wb-langlinks-link"><a href="https://www.wikidata.org/wiki/Special:EntityPage/Q1516450#sitelinks-wikipedia" title="Edit interlanguage links" class="wbc-editpage">Edit links</a></span></div> </div> </div> </div> </header> <div class="vector-page-toolbar"> <div class="vector-page-toolbar-container"> <div id="left-navigation"> <nav aria-label="Namespaces"> <div id="p-associated-pages" class="vector-menu vector-menu-tabs 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.infobox-3cols-child{margin:auto}.mw-parser-output .infobox .navbar{font-size:100%}@media screen{html.skin-theme-clientpref-night .mw-parser-output .infobox-full-data:not(.notheme)>div:not(.notheme)[style]{background:#1f1f23!important;color:#f8f9fa}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .infobox-full-data:not(.notheme) div:not(.notheme){background:#1f1f23!important;color:#f8f9fa}}@media(min-width:640px){body.skin--responsive .mw-parser-output .infobox-table{display:table!important}body.skin--responsive .mw-parser-output .infobox-table>caption{display:table-caption!important}body.skin--responsive .mw-parser-output .infobox-table>tbody{display:table-row-group}body.skin--responsive .mw-parser-output .infobox-table tr{display:table-row!important}body.skin--responsive .mw-parser-output .infobox-table th,body.skin--responsive .mw-parser-output .infobox-table td{padding-left:inherit;padding-right:inherit}}</style><style data-mw-deduplicate="TemplateStyles:r1242257876">.mw-parser-output .ib-company .infobox-label{padding-right:0.5em}.mw-parser-output .ib-company .infobox-data,.mw-parser-output .ib-company .infobox-below{line-height:1.35em}.mw-parser-output .ib-company-logo img{background-color:#f8f9fa}.mw-parser-output .ib-company-locality,.mw-parser-output .ib-company-country{display:inline}</style><table class="infobox ib-company vcard"><caption class="infobox-title fn org" style="font-size: 125%;">Liberty Mutual Group</caption><tbody><tr><td colspan="2" class="infobox-image ib-company-logo logo"><span class="mw-default-size" typeof="mw:File/Frameless"><a href="/wiki/File:Liberty_Mutual_Insurance_logo.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/en/thumb/5/5a/Liberty_Mutual_Insurance_logo.svg/250px-Liberty_Mutual_Insurance_logo.svg.png" decoding="async" width="220" height="57" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/5/5a/Liberty_Mutual_Insurance_logo.svg/330px-Liberty_Mutual_Insurance_logo.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/5/5a/Liberty_Mutual_Insurance_logo.svg/500px-Liberty_Mutual_Insurance_logo.svg.png 2x" data-file-width="623" data-file-height="161" /></a></span><div class="infobox-caption">Liberty Mutual Insurance's logo as of January 9, 2012, featuring the <a href="/wiki/Statue_of_Liberty" title="Statue of Liberty">Statue of Liberty</a></div></td></tr><tr><td colspan="2" class="infobox-image ib-company-logo logo"><span typeof="mw:File"><a href="/wiki/File:Liberty_Mutual_Insurance_Headquarters_-_Boston,_MA.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/1/1e/Liberty_Mutual_Insurance_Headquarters_-_Boston%2C_MA.jpg/250px-Liberty_Mutual_Insurance_Headquarters_-_Boston%2C_MA.jpg" decoding="async" width="250" height="167" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/1/1e/Liberty_Mutual_Insurance_Headquarters_-_Boston%2C_MA.jpg/375px-Liberty_Mutual_Insurance_Headquarters_-_Boston%2C_MA.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/1/1e/Liberty_Mutual_Insurance_Headquarters_-_Boston%2C_MA.jpg/500px-Liberty_Mutual_Insurance_Headquarters_-_Boston%2C_MA.jpg 2x" data-file-width="1000" data-file-height="667" /></a></span><div class="infobox-caption">Liberty Mutual's headquarters at 175 Berkeley Street in <a href="/wiki/Boston" title="Boston">Boston</a></div></td></tr><tr><th scope="row" class="infobox-label">Company type</th><td class="infobox-data category"><a href="/wiki/Mutual_company" class="mw-redirect" title="Mutual company">Mutual</a>. <a href="/wiki/Privately_held_company" title="Privately held company">Private</a></td></tr><tr><th scope="row" class="infobox-label">Industry</th><td class="infobox-data category"><a href="/wiki/Insurance" title="Insurance">Insurance</a></td></tr><tr><th scope="row" class="infobox-label">Founded</th><td class="infobox-data">July 1, 1912<span class="noprint">; 112 years ago</span><span style="display:none"> (<span class="bday dtstart published updated">1912-07-01</span>)</span> (as Massachusetts Employees Insurance Association)</td></tr><tr><th scope="row" class="infobox-label">Headquarters</th><td class="infobox-data adr"><div class="ib-company-locality locality">175 Berkeley Street<br /><a href="/wiki/Boston" title="Boston">Boston</a>, Massachusetts</div>, <div class="ib-company-country country-name">U.S.</div></td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Area served</div></th><td class="infobox-data">Worldwide</td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Key people</div></th><td class="infobox-data agent">Timothy M. Sweeney <small>(President and <a href="/wiki/Chief_Executive_Officer" class="mw-redirect" title="Chief Executive Officer">CEO</a>)</small></td></tr><tr><th scope="row" class="infobox-label">Services</th><td class="infobox-data category">Property and Casualty Insurance</td></tr><tr><th scope="row" class="infobox-label">Revenue</th><td class="infobox-data"><span typeof="mw:File"><span title="Increase"><img alt="Increase" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/20px-Increase2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/40px-Increase2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> $48.2 billion (2021)<sup id="cite_ref-2019FR_1-0" class="reference"><a href="#cite_note-2019FR-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-2017ar2_2-0" class="reference"><a href="#cite_note-2017ar2-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup></td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;"><a href="/wiki/Earnings_before_interest_and_taxes" title="Earnings before interest and taxes">Operating income</a></div></th><td class="infobox-data"><span typeof="mw:File"><span title="Decrease"><img alt="Decrease" src="//upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/11px-Decrease2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/17px-Decrease2.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/e/ed/Decrease2.svg/22px-Decrease2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> $1.282 billion (2019)</td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;"><a href="/wiki/Net_income" title="Net income">Net income</a></div></th><td class="infobox-data"><span typeof="mw:File"><span title="Increase"><img alt="Increase" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/20px-Increase2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/40px-Increase2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> $3.068 billion (2021)</td></tr><tr><th scope="row" class="infobox-label"><span class="nowrap"><a href="/wiki/Asset" title="Asset">Total assets</a></span></th><td class="infobox-data"><span typeof="mw:File"><span title="Increase"><img alt="Increase" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/20px-Increase2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/40px-Increase2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> $156.043 billion (2021)</td></tr><tr><th scope="row" class="infobox-label"><span class="nowrap"><a href="/wiki/Equity_(finance)" title="Equity (finance)">Total equity</a></span></th><td class="infobox-data"><span typeof="mw:File"><span title="Increase"><img alt="Increase" src="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/20px-Increase2.svg.png" decoding="async" width="11" height="11" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/b/b0/Increase2.svg/40px-Increase2.svg.png 2x" data-file-width="300" data-file-height="300" /></span></span> $27.848 billion (2021)</td></tr><tr><th scope="row" class="infobox-label"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Number of employees</div></th><td class="infobox-data">45,000+(2021)</td></tr><tr><th scope="row" class="infobox-label">Website</th><td class="infobox-data"><span class="url"><a rel="nofollow" class="external text" href="http://libertymutualgroup.com">libertymutualgroup<wbr />.com</a></span><br /><span class="url"><a rel="nofollow" class="external text" href="http://libertymutual.com">libertymutual<wbr />.com</a></span></td></tr></tbody></table> <p><b>Liberty Mutual Insurance Company</b> is an American diversified global insurer and the sixth-largest <a href="/wiki/Property_insurance" title="Property insurance">property</a> and <a href="/wiki/Casualty_insurance" title="Casualty insurance">casualty</a> insurer in the world. <sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> It ranks 87th on the <a href="/wiki/Fortune_100" class="mw-redirect" title="Fortune 100"><i>Fortune</i> 100</a> list of largest corporations in the United States based on 2024 revenue.<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> Based in <a href="/wiki/Boston" title="Boston">Boston</a>, Massachusetts, and featuring the <a href="/wiki/Statue_of_Liberty" title="Statue of Liberty">Statue of Liberty</a> on its logo, it employs over 45,000 people in more than 900 locations throughout the world. As of December 31, 2021, Liberty Mutual Insurance had $156.043 billion in consolidated assets, $128.195 billion in consolidated liabilities and $48.2 billion in annual consolidated revenue.<sup id="cite_ref-libertymutualgroup.com_5-0" class="reference"><a href="#cite_note-libertymutualgroup.com-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> </p><p>The company, founded in 1912, offers a wide range of <a href="/wiki/Insurance" title="Insurance">insurance</a> products and services, including personal <a href="/wiki/Auto_insurance" class="mw-redirect" title="Auto insurance">automobile</a>, <a href="/wiki/Homeowners_insurance" class="mw-redirect" title="Homeowners insurance">homeowners</a>, <a href="/wiki/Workers%27_compensation" title="Workers' compensation">workers' compensation</a>, commercial multiple peril, commercial automobile, <a href="/wiki/General_liability_insurance" class="mw-redirect" title="General liability insurance">general liability</a>, global specialty, group disability, <a href="/wiki/Fire_insurance" class="mw-redirect" title="Fire insurance">fire insurance</a> and <a href="/wiki/Surety" title="Surety">surety</a>.<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup> </p><p>Liberty Mutual Group owns, wholly or in part, local insurance companies in <a href="/wiki/Brazil" title="Brazil">Brazil</a>, <a href="/wiki/Chile" title="Chile">Chile</a>, <a href="/wiki/China" title="China">China</a> (including <a href="/wiki/Hong_Kong" title="Hong Kong">Hong Kong</a>), <a href="/wiki/Colombia" title="Colombia">Colombia</a>, <a href="/wiki/Ecuador" title="Ecuador">Ecuador</a>, <a href="/wiki/India" title="India">India</a>, <a href="/wiki/Ireland" title="Ireland">Ireland</a>, <a href="/wiki/Malaysia" title="Malaysia">Malaysia</a>, <a href="/wiki/Portugal" title="Portugal">Portugal</a>, <a href="/wiki/Singapore" title="Singapore">Singapore</a>, <a href="/wiki/Spain" title="Spain">Spain</a>, <a href="/wiki/Thailand" title="Thailand">Thailand</a>, the <a href="/wiki/United_Kingdom" title="United Kingdom">United Kingdom</a>, and <a href="/wiki/Vietnam" title="Vietnam">Vietnam</a>. (In the UK, Liberty Mutual acts as the insurer for <a href="/wiki/Countrywide_Legal_Indemnities" title="Countrywide Legal Indemnities">Countrywide Legal Indemnities</a>).<sup id="cite_ref-9" class="reference"><a href="#cite_note-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup> </p><p>In the <a href="/wiki/United_States" title="United States">United States</a>, Liberty Mutual remains a <a href="/wiki/Mutual_organization" title="Mutual organization">mutual company</a> in which <a href="/wiki/Policyholder" class="mw-redirect" title="Policyholder">policyholders</a> holding contracts for insurance are considered <a href="/wiki/Shareholders" class="mw-redirect" title="Shareholders">shareholders</a> in the company. However, Liberty Mutual Group's <a href="/wiki/Brand" title="Brand">brand</a> usually operates as a <a href="/wiki/Types_of_business_entity" class="mw-redirect" title="Types of business entity">separate entity</a> outside the United States, where a <a href="/wiki/Subsidiary" title="Subsidiary">subsidiary</a> is often created in countries where legally recognized <a href="/wiki/Mutual_organization" title="Mutual organization">mutual-company</a> benefits cannot be enjoyed. </p><p>The current CEO is Timothy M. Sweeney. He succeeded his predecessor <a href="/wiki/David_H._Long" title="David H. Long">David H. Long</a> on January 1, 2023.<sup id="cite_ref-Turner_10-0" class="reference"><a href="#cite_note-Turner-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup> Long was preceded by Edmund "Ted" Kelly.<sup id="cite_ref-11" class="reference"><a href="#cite_note-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> Kelly was appointed CEO in 1998,<sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup> and stepped down from the Board of Directors as chairman in April 2013.<sup id="cite_ref-Luna_13-0" class="reference"><a href="#cite_note-Luna-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup> </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="History">History</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=1" title="Edit section: History"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading3"><h3 id="Early_history">Early history</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=2" title="Edit section: Early history"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Liberty Mutual was founded in 1912 as the <a href="/wiki/Massachusetts" title="Massachusetts">Massachusetts</a> Employees Insurance Association (MEIA), following the passage of a 1911 Massachusetts law requiring employers to protect their employees with <a href="/wiki/Workers%E2%80%99_compensation" class="mw-redirect" title="Workers’ compensation">workers’ compensation</a> insurance.<sup id="cite_ref-14" class="reference"><a href="#cite_note-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup> The company was founded as a mutual company, a structure in which an insurance company is owned by its policyholders. The first branch office was opened in 1914, and later that year, the company wrote its first <a href="/wiki/Automobile_insurance" class="mw-redirect" title="Automobile insurance">automobile insurance</a> policy. The name was changed in 1917 to the Liberty Mutual Insurance Company and, through partnerships, the company began offering full-coverage auto policies. </p> <div class="mw-heading mw-heading3"><h3 id="Structural_changes">Structural changes</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=3" title="Edit section: Structural changes"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In 1964, Liberty Mutual Insurance Company began offering life insurance through its Liberty Life Assurance Branch. In 2002, the company converted into its current <a href="/wiki/Demutualization#Types_of_demutualizations" title="Demutualization">mutual holding company</a> structure, which would allow it to offer <a href="/wiki/Stock" title="Stock">stock</a> while remaining a mutual company. The conversion was controversial, as some <a href="/wiki/Policyholder" class="mw-redirect" title="Policyholder">policyholders</a> believed the change would dilute their interest in the overall company, reduce their voting control, and limit their dividends. A <a href="/wiki/Lawsuit" title="Lawsuit">lawsuit</a> was filed, alleging that information provided to policyholders was misleading. Liberty Mutual settled the lawsuit in December 2001, which required additional disclosure and limited certain compensation to company officers and directors.<sup id="cite_ref-15" class="reference"><a href="#cite_note-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup> Despite these concerns, the plan was approved by voting policyholders around November 2001. Leveraging the greater flexibility of the mutual holding company structure, Liberty Mutual transformed from a single-line, highly regional insurer to one of the world's leading property and casualty insurance companies.<sup id="cite_ref-16" class="reference"><a href="#cite_note-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Growth_and_acquisitions">Growth and acquisitions</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=4" title="Edit section: Growth and acquisitions"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Liberty Mutual's growth has been both organic and through <a href="/wiki/Acquisitions" class="mw-redirect" title="Acquisitions">acquisition</a>. Early acquisitions were small, but Liberty Mutual has made several large acquisitions over the past decade, including the high-profile acquisition of <a href="/wiki/Safeco" title="Safeco">Safeco</a> Corporation in 2008. Liberty Mutual agreed to acquire all outstanding shares of Safeco for $68.25 per share, for a total transaction price of approximately $6.2 billion. The result of this activity was an increase in revenue from $6 billion to over $30 billion in twelve years. In 1999, the company purchased Wausau Insurance Cos.<sup id="cite_ref-BI_17-0" class="reference"><a href="#cite_note-BI-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup> </p><p>Liberty Mutual created a 2006 <a href="/wiki/Television_commercial" class="mw-redirect" title="Television commercial">television commercial</a> depicting people doing good for others, reporting that the "overwhelming" positive response led to its decision to create the website <i>The Responsibility Project</i>.<sup id="cite_ref-18" class="reference"><a href="#cite_note-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup> Liberty Mutual is the sole <a href="/wiki/Corporate_sponsorship" class="mw-redirect" title="Corporate sponsorship">corporate sponsor</a> of the long-running <a href="/wiki/Public_Broadcasting_System" class="mw-redirect" title="Public Broadcasting System">PBS</a> <a href="/wiki/Documentary_television_series" class="mw-redirect" title="Documentary television series">documentary</a> series <i><a href="/wiki/American_Experience" title="American Experience">American Experience</a></i>. In 2011, as part of the company's "Real America" campaign, the company introduced two new commercials featuring <a href="/wiki/Sacagawea" title="Sacagawea">Sacagawea</a> and <a href="/wiki/Paul_Revere" title="Paul Revere">Paul Revere</a>.<sup id="cite_ref-19" class="reference"><a href="#cite_note-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-20" class="reference"><a href="#cite_note-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> </p><p>In 2011, the company began constructing the <a href="/wiki/Liberty_Mutual_Tower" title="Liberty Mutual Tower">Liberty Mutual Tower</a>, a 22-story <a href="/wiki/Skyscraper" title="Skyscraper">skyscraper</a> as part of a headquarters expansion project.<sup id="cite_ref-21" class="reference"><a href="#cite_note-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup> The building received its <a href="/wiki/Certificate_of_occupancy" title="Certificate of occupancy">certificate of occupancy</a> in June 2013.<sup id="cite_ref-22" class="reference"><a href="#cite_note-22"><span class="cite-bracket">[</span>22<span class="cite-bracket">]</span></a></sup> </p><p>In May 2017, Liberty Mutual Insurance completed its acquisition of <a href="/wiki/Bermuda" title="Bermuda">Bermuda</a>-based Ironshore Inc. from Fosun International Limited for $2.93 billion.<sup id="cite_ref-23" class="reference"><a href="#cite_note-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> In October 2019, Liberty Mutual acquired Nationale Borg, Nationale Borg Reinsurance and AmTrust Insurance Spain, which are credit and surety reinsurance subsidiaries of <a href="/wiki/AmTrust_Financial_Services" title="AmTrust Financial Services">AmTrust Financial Services</a>.<sup id="cite_ref-24" class="reference"><a href="#cite_note-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> </p><p>In July 2021, Liberty agreed to acquire <a href="/wiki/State_Auto_Group" class="mw-redirect" title="State Auto Group">State Auto Group</a> for over $2 billion.<sup id="cite_ref-25" class="reference"><a href="#cite_note-25"><span class="cite-bracket">[</span>25<span class="cite-bracket">]</span></a></sup> In August 2022, Liberty acquired AmGeneral Insurance Berhad, a Malaysia insurance company. <sup id="cite_ref-26" class="reference"><a href="#cite_note-26"><span class="cite-bracket">[</span>26<span class="cite-bracket">]</span></a></sup> <sup id="cite_ref-27" class="reference"><a href="#cite_note-27"><span class="cite-bracket">[</span>27<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Organizational_structure">Organizational structure</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=5" title="Edit section: Organizational structure"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <div class="mw-heading mw-heading3"><h3 id="Strategic_business_units">Strategic business units</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=6" title="Edit section: Strategic business units"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Liberty Mutual conducts all of its business through two <a href="/wiki/Strategic_business_units" class="mw-redirect" title="Strategic business units">strategic business units</a>: US Retail Markets, and Global Risk Solutions.<sup id="cite_ref-28" class="reference"><a href="#cite_note-28"><span class="cite-bracket">[</span>28<span class="cite-bracket">]</span></a></sup> </p> <figure class="mw-halign-left" typeof="mw:File/Thumb"><a href="/wiki/File:Liberty_Mutual_booth.jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/e/ea/Liberty_Mutual_booth.jpg/266px-Liberty_Mutual_booth.jpg" decoding="async" width="266" height="150" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/e/ea/Liberty_Mutual_booth.jpg/399px-Liberty_Mutual_booth.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/e/ea/Liberty_Mutual_booth.jpg/532px-Liberty_Mutual_booth.jpg 2x" data-file-width="2731" data-file-height="1536" /></a><figcaption>A Liberty Mutual booth at a street fair in <a href="/wiki/Andover,_Massachusetts" title="Andover, Massachusetts">Andover, Massachusetts</a>.</figcaption></figure> <div class="mw-heading mw-heading4"><h4 id="US_Retail_Markets">US Retail Markets</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=7" title="Edit section: US Retail Markets"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Passenger automobile, homeowners, life, annuity and other property and casualty insurance products are available via Liberty Mutual's US Consumer Markets line. These products are branded under the Liberty Mutual Insurance and <a href="/wiki/Safeco" title="Safeco">Safeco</a> names, and are distributed via a network of more than 2,300 sales professionals. Other distribution means are call centers, third-party producers and the company's own website. Over 10,000 insurance agencies across the U.S. carry Safeco-branded products.<sup id="cite_ref-:35_29-0" class="reference"><a href="#cite_note-:35-29"><span class="cite-bracket">[</span>29<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading4"><h4 id="Global_Risk_Solutions">Global Risk Solutions</h4><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=8" title="Edit section: Global Risk Solutions"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>The Global Risk solutions insurance line offers commercial and specialty products, such as marine, energy, aviation, professional liability and crisis management, offered through 40 Liberty International Underwriters offices worldwide. In addition, Liberty International Underwriters provides global multi-line insurance and reinsurance written on its <a href="/wiki/Lloyd%27s_of_London" title="Lloyd's of London">Lloyd's</a> Syndicate 4472 platform. Global Specialty also includes reinsurance products offered through Liberty Mutual Reinsurance.<sup id="cite_ref-:35_29-1" class="reference"><a href="#cite_note-:35-29"><span class="cite-bracket">[</span>29<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading3"><h3 id="Subsidiary_companies">Subsidiary companies</h3><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=9" title="Edit section: Subsidiary companies"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li>Helmsman Management Services</li> <li>Liberty County Mutual Insurance Company</li> <li>Liberty International Underwriters (LIU)</li> <li>Liberty Mutual Surety (LMS)</li> <li>Liberty Mutual Reinsurance (LMR)</li> <li>Liberty Specialty Markets (LSM)</li> <li><a href="/wiki/Liberty_Seguros" class="mw-redirect" title="Liberty Seguros">Liberty Seguros</a></li> <li>Liberty Mutual Agency Corporation <ul><li>American Fire & Casualty</li> <li>America First Insurance</li> <li>Colorado Casualty</li> <li>Consolidated Insurance Company</li> <li>Golden Eagle Insurance</li> <li>Indiana Insurance</li> <li>Liberty Mutual Surety</li> <li>Liberty Surety First</li> <li>Montgomery Insurance</li> <li>Ohio Casualty</li> <li>Ohio Security</li> <li>West American</li> <li>Peerless Insurance</li> <li><a href="/wiki/Safeco" title="Safeco">Safeco</a></li> <li><a href="/w/index.php?title=State_Auto_Mutual_Insurance_Companies&action=edit&redlink=1" class="new" title="State Auto Mutual Insurance Companies (page does not exist)">State Auto Mutual Insurance Companies</a> (acquired in 2022)<sup id="cite_ref-30" class="reference"><a href="#cite_note-30"><span class="cite-bracket">[</span>30<span class="cite-bracket">]</span></a></sup></li> <li><a href="/wiki/Ironshore" title="Ironshore">Ironshore</a> (acquired in 2016)</li></ul></li> <li>Peerless Insurance</li></ul> <div class="mw-heading mw-heading2"><h2 id="Liberty_Mutual_Research_Institute_for_Safety">Liberty Mutual Research Institute for Safety</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=10" title="Edit section: Liberty Mutual Research Institute for Safety"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Founded in 1954, the Liberty Mutual Research Institute for Safety studied the <a href="/wiki/Occupational_safety_and_health" title="Occupational safety and health">occupational safety and health</a> of workers. Its scientific contributions include machine safeguarding guidelines, the <a href="/wiki/Cornell_Safety_Car" class="mw-redirect" title="Cornell Safety Car">Cornell-Liberty Survival Car</a> and <a href="/wiki/Ergonomic" class="mw-redirect" title="Ergonomic">ergonomic</a> guidelines that have informed the basis for national and international <a href="/wiki/Safety_standards" title="Safety standards">safety standards</a>. More recently, the institute developed the Workplace Safety Index, an annual ranking of the leading causes of the most disabling <a href="/wiki/Occupational_injuries" class="mw-redirect" title="Occupational injuries">occupational injuries</a> in the U.S. </p><p>The institute's <a href="/wiki/Scientists" class="mw-redirect" title="Scientists">scientists</a> conducted <a href="/wiki/Field_experiment" title="Field experiment">field</a> and laboratory experiments to study the major causes of work-related injury and <a href="/wiki/Disability" title="Disability">disability</a>, publishing their results in <a href="/wiki/Peer-reviewed" class="mw-redirect" title="Peer-reviewed">peer-reviewed</a> <a href="/wiki/Scientific_literature" title="Scientific literature">scientific literature</a>. Institute findings are the basis for safety programs, recommendations and <a href="/wiki/Software" title="Software">software</a> used by Liberty Mutual loss-control consultants to help policyholders enhance worker safety. The institute’s work was non-proprietary and available to the public.<sup id="cite_ref-31" class="reference"><a href="#cite_note-31"><span class="cite-bracket">[</span>31<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-32" class="reference"><a href="#cite_note-32"><span class="cite-bracket">[</span>32<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-33" class="reference"><a href="#cite_note-33"><span class="cite-bracket">[</span>33<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-34" class="reference"><a href="#cite_note-34"><span class="cite-bracket">[</span>34<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-35" class="reference"><a href="#cite_note-35"><span class="cite-bracket">[</span>35<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-36" class="reference"><a href="#cite_note-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-37" class="reference"><a href="#cite_note-37"><span class="cite-bracket">[</span>37<span class="cite-bracket">]</span></a></sup> </p><p>The institute closed in May 2017.<sup id="cite_ref-38" class="reference"><a href="#cite_note-38"><span class="cite-bracket">[</span>38<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Controversy">Controversy</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=11" title="Edit section: Controversy"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>In 2006, Liberty Mutual employees in the Los Angeles area sued, claiming that the company had failed to pay their overtime salaries. They attempted to certify a <a href="/wiki/Class_action" title="Class action">class-action suit</a>, but it was dismissed on technical grounds.<sup id="cite_ref-39" class="reference"><a href="#cite_note-39"><span class="cite-bracket">[</span>39<span class="cite-bracket">]</span></a></sup> </p><p>In late 2012, the company won an appeal granting it the ability to not pay employees for work performed on an overtime basis.<sup id="cite_ref-40" class="reference"><a href="#cite_note-40"><span class="cite-bracket">[</span>40<span class="cite-bracket">]</span></a></sup> Liberty Mutual relied on an <a href="/wiki/Amicus_curiae" title="Amicus curiae"><i>amicus</i> brief</a> filed on behalf of the <a href="/wiki/United_States_Department_of_Labor" title="United States Department of Labor">U.S. Department of Labor</a>.<sup id="cite_ref-41" class="reference"><a href="#cite_note-41"><span class="cite-bracket">[</span>41<span class="cite-bracket">]</span></a></sup> The court decided, based on the brief, that claims personnel are exempt "administrative employees" and not eligible for overtime pay. In late 2012, the <a href="/wiki/Supreme_Court_of_California" title="Supreme Court of California">Supreme Court of California</a> <a href="https://en.wiktionary.org/wiki/depublish" class="extiw" title="wikt:depublish">depublished</a> a contrary decision on the same issue.<sup id="cite_ref-42" class="reference"><a href="#cite_note-42"><span class="cite-bracket">[</span>42<span class="cite-bracket">]</span></a></sup> </p><p>In 2012 and 2013, <i><a href="/wiki/The_Boston_Globe" title="The Boston Globe">The Boston Globe</a></i> published a series of articles concerning Liberty Mutual executives' excessive compensation and weekend trips using the company's fleet of five long-range corporate jets.<sup id="cite_ref-43" class="reference"><a href="#cite_note-43"><span class="cite-bracket">[</span>43<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-44" class="reference"><a href="#cite_note-44"><span class="cite-bracket">[</span>44<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-45" class="reference"><a href="#cite_note-45"><span class="cite-bracket">[</span>45<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-46" class="reference"><a href="#cite_note-46"><span class="cite-bracket">[</span>46<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-47" class="reference"><a href="#cite_note-47"><span class="cite-bracket">[</span>47<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-48" class="reference"><a href="#cite_note-48"><span class="cite-bracket">[</span>48<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-49" class="reference"><a href="#cite_note-49"><span class="cite-bracket">[</span>49<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-50" class="reference"><a href="#cite_note-50"><span class="cite-bracket">[</span>50<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Advertising">Advertising</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=12" title="Edit section: Advertising"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1251242444">.mw-parser-output .ambox{border:1px solid #a2a9b1;border-left:10px solid #36c;background-color:#fbfbfb;box-sizing:border-box}.mw-parser-output .ambox+link+.ambox,.mw-parser-output .ambox+link+style+.ambox,.mw-parser-output .ambox+link+link+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+style+.ambox,.mw-parser-output .ambox+.mw-empty-elt+link+link+.ambox{margin-top:-1px}html body.mediawiki .mw-parser-output .ambox.mbox-small-left{margin:4px 1em 4px 0;overflow:hidden;width:238px;border-collapse:collapse;font-size:88%;line-height:1.25em}.mw-parser-output .ambox-speedy{border-left:10px solid #b32424;background-color:#fee7e6}.mw-parser-output .ambox-delete{border-left:10px solid #b32424}.mw-parser-output .ambox-content{border-left:10px solid #f28500}.mw-parser-output .ambox-style{border-left:10px solid #fc3}.mw-parser-output .ambox-move{border-left:10px solid #9932cc}.mw-parser-output .ambox-protection{border-left:10px solid #a2a9b1}.mw-parser-output .ambox .mbox-text{border:none;padding:0.25em 0.5em;width:100%}.mw-parser-output .ambox .mbox-image{border:none;padding:2px 0 2px 0.5em;text-align:center}.mw-parser-output .ambox .mbox-imageright{border:none;padding:2px 0.5em 2px 0;text-align:center}.mw-parser-output .ambox .mbox-empty-cell{border:none;padding:0;width:1px}.mw-parser-output .ambox .mbox-image-div{width:52px}@media(min-width:720px){.mw-parser-output .ambox{margin:0 10%}}@media print{body.ns-0 .mw-parser-output .ambox{display:none!important}}</style><table class="box-Expand_section plainlinks metadata ambox mbox-small-left ambox-content" role="presentation"><tbody><tr><td class="mbox-image"><span typeof="mw:File"><a href="/wiki/File:Wiki_letter_w_cropped.svg" class="mw-file-description"><img alt="[icon]" src="//upload.wikimedia.org/wikipedia/commons/thumb/1/1c/Wiki_letter_w_cropped.svg/20px-Wiki_letter_w_cropped.svg.png" decoding="async" width="20" height="14" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/1/1c/Wiki_letter_w_cropped.svg/30px-Wiki_letter_w_cropped.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/1/1c/Wiki_letter_w_cropped.svg/40px-Wiki_letter_w_cropped.svg.png 2x" data-file-width="44" data-file-height="31" /></a></span></td><td class="mbox-text"><div class="mbox-text-span">This section <b>needs expansion</b>. You can help by <a class="external text" href="https://en.wikipedia.org/w/index.php?title=Liberty_Mutual&action=edit&section=14">adding to it</a>.<span class="hide-when-compact"> (<a href="/wiki/Talk:Liberty_Mutual#Advertising" title="Talk:Liberty Mutual">talk</a>)</span> <span class="date-container"><i>(<span class="date">April 2022</span>)</i></span></div></td></tr></tbody></table> <p>LiMu <a href="/wiki/Emu" title="Emu">Emu</a>, a character that is represented using a real emu as well as through <a href="/wiki/Computer-generated_imagery" title="Computer-generated imagery">CGI</a>, appears in some of Liberty Mutual's advertising beginning in 2019.<sup id="cite_ref-51" class="reference"><a href="#cite_note-51"><span class="cite-bracket">[</span>51<span class="cite-bracket">]</span></a></sup> LiMu is also accompanied by Doug who tries to keep LiMu from acting out. Occasionally, LiMu and Doug will have a potential client in the office and type up a policy while LiMu looks on approvingly. On February 9, 2023, Liberty Mutual began advertising as Liberty at the end of its commercials. </p><p><a href="/wiki/Tanner_Novlan" title="Tanner Novlan">Tanner Novlan</a> has appeared in several commercials, alone as well as with "Doug", as a "struggling actor" who has trouble reciting basic facts about the company, especially its name ("Liberty Bibberty" and so on). </p><p>Various commercials are on a deck overlooking the <a href="/wiki/New_York_Harbor" title="New York Harbor">New York Harbor</a> with the Statue of Liberty in the background. </p> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=13" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist"> <div class="mw-references-wrap mw-references-columns"><ol class="references"> <li id="cite_note-2019FR-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-2019FR_1-0">^</a></b></span> <span class="reference-text"><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon a{background:url("//upload.wikimedia.org/wikipedia/commons/4/4c/Wikisource-logo.svg")right 0.1em center/12px no-repeat}body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-free a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-limited a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-registration a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .id-lock-subscription a,body:not(.skin-timeless):not(.skin-minerva) .mw-parser-output .cs1-ws-icon a{background-size:contain;padding:0 1em 0 0}.mw-parser-output .cs1-code{color:inherit;background:inherit;border:none;padding:inherit}.mw-parser-output .cs1-hidden-error{display:none;color:var(--color-error,#d33)}.mw-parser-output .cs1-visible-error{color:var(--color-error,#d33)}.mw-parser-output .cs1-maint{display:none;color:#085;margin-left:0.3em}.mw-parser-output .cs1-kern-left{padding-left:0.2em}.mw-parser-output .cs1-kern-right{padding-right:0.2em}.mw-parser-output .citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.libertymutualgroup.com/about-lm/investor-relations/documents/q4-2021-financial-statements.pdf">"2021 Financial Review"</a> <span class="cs1-format">(PDF)</span>. <i>Libertymutualgroup.com</i><span class="reference-accessdate">. Retrieved <span class="nowrap">February 24,</span> 2022</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Libertymutualgroup.com&rft.atitle=2021+Financial+Review&rft_id=https%3A%2F%2Fwww.libertymutualgroup.com%2Fabout-lm%2Finvestor-relations%2Fdocuments%2Fq4-2021-financial-statements.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-2017ar2-2"><span class="mw-cite-backlink"><b><a href="#cite_ref-2017ar2_2-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.libertymutualgroup.com/about-liberty-mutual-site/investor-relations-site/Documents/Q4_2017_Financial_Statements.pdf">"Report of Independent Registered Public Accounting Firm"</a> <span class="cs1-format">(PDF)</span>. <i>Libertymutualgroup.com</i><span class="reference-accessdate">. Retrieved <span class="nowrap">November 28,</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Libertymutualgroup.com&rft.atitle=Report+of+Independent+Registered+Public+Accounting+Firm&rft_id=https%3A%2F%2Fwww.libertymutualgroup.com%2Fabout-liberty-mutual-site%2Finvestor-relations-site%2FDocuments%2FQ4_2017_Financial_Statements.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><b><a href="#cite_ref-3">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://fortune.com/company/liberty-mutual-insurance-group/#:~:text=As%20of%202021%2C%20Liberty%20Mutual,possessions%2C%20and%20personal%20liability%20insurance.">"As of 2021 Liberty Mutual is the sixth-largest property and casualty insurer globally"</a>. <i>Fortune Media</i>. October 2, 2021.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Fortune+Media&rft.atitle=As+of+2021+Liberty+Mutual+is+the+sixth-largest+property+and+casualty+insurer+globally&rft.date=2021-10-02&rft_id=https%3A%2F%2Ffortune.com%2Fcompany%2Fliberty-mutual-insurance-group%2F%23%3A~%3Atext%3DAs%2520of%25202021%252C%2520Liberty%2520Mutual%2Cpossessions%252C%2520and%2520personal%2520liability%2520insurance.&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><b><a href="#cite_ref-4">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://fortune.com/company/liberty-mutual-insurance-group/fortune500/">"Forbes 500 2024"</a>. <i>Fortune</i><span class="reference-accessdate">. Retrieved <span class="nowrap">January 8,</span> 2025</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=Fortune&rft.atitle=Forbes+500+2024&rft_id=https%3A%2F%2Ffortune.com%2Fcompany%2Fliberty-mutual-insurance-group%2Ffortune500%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-libertymutualgroup.com-5"><span class="mw-cite-backlink"><b><a href="#cite_ref-libertymutualgroup.com_5-0">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.libertymutualgroup.com/about-lm/investor-relations/documents/q4-2021-financial-statements.pdf">"2021 Financial Reports"</a> <span class="cs1-format">(PDF)</span>. Liberty Mutual. February 24, 2022.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=2021+Financial+Reports&rft.pub=Liberty+Mutual&rft.date=2022-02-24&rft_id=https%3A%2F%2Fwww.libertymutualgroup.com%2Fabout-lm%2Finvestor-relations%2Fdocuments%2Fq4-2021-financial-statements.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-6"><span class="mw-cite-backlink"><b><a href="#cite_ref-6">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite class="citation web cs1"><a rel="nofollow" class="external text" href="http://www.libertymutualgroup.com/omapps/ContentServer?pagename=LMGroup/Views/LMG&ft=3&fid=1142008723692&ln=en">"About Liberty Mutual Insurance"</a>. Liberty Mutual<span class="reference-accessdate">. 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Retrieved <span class="nowrap">July 11,</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=California+Supreme+Court+Depublishes+Case+Holding+That+Insurance+Adjusters+Are+Nonexempt+Employees+%26%23124%3B+Manatt%2C+Phelps+%26+Phillips%2C+LLP&rft.pub=JDSupra&rft.date=2012-11-05&rft_id=http%3A%2F%2Fwww.jdsupra.com%2Flegalnews%2Fcalifornia-supreme-court-depublishes-cas-24242%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-43"><span class="mw-cite-backlink"><b><a href="#cite_ref-43">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.bostonglobe.com/metro/2012/05/01/liberty-mutual-accounting-for-executive-privileges/sSVU5HithurylpBKJlcxxM/story.html">"At Liberty Mutual, accounting to no one"</a>. <i><a href="/wiki/The_Boston_Globe" title="The Boston Globe">The Boston Globe</a></i><span class="reference-accessdate">. Retrieved <span class="nowrap">January 17,</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=unknown&rft.jtitle=The+Boston+Globe&rft.atitle=At+Liberty+Mutual%2C+accounting+to+no+one&rft_id=https%3A%2F%2Fwww.bostonglobe.com%2Fmetro%2F2012%2F05%2F01%2Fliberty-mutual-accounting-for-executive-privileges%2FsSVU5HithurylpBKJlcxxM%2Fstory.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-44"><span class="mw-cite-backlink"><b><a href="#cite_ref-44">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite id="CITEREFMcGrory2012" class="citation news cs1">McGrory, Brian (May 23, 2012). <a rel="nofollow" class="external text" href="https://www.bostonglobe.com/metro/2012/05/22/deval-patrick-liberty-mutual-the-benefits-friendship/6RkpCKxitx4Xih0Dg2D3dN/story.html">"The benefits of political friendship"</a>. <i>The Boston Globe</i>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Boston+Globe&rft.atitle=The+benefits+of+political+friendship&rft.date=2012-05-23&rft.aulast=McGrory&rft.aufirst=Brian&rft_id=https%3A%2F%2Fwww.bostonglobe.com%2Fmetro%2F2012%2F05%2F22%2Fdeval-patrick-liberty-mutual-the-benefits-friendship%2F6RkpCKxitx4Xih0Dg2D3dN%2Fstory.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-45"><span class="mw-cite-backlink"><b><a href="#cite_ref-45">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite id="CITEREFMcGrory2012" class="citation news cs1">McGrory, Brian (October 5, 2012). <a rel="nofollow" class="external text" href="https://www.bostonglobe.com/metro/2012/10/04/Y0QxGU0oOWVvk8xEw2j4FK/story.html">"Perspectives Can Change at Liberty Mutual"</a>. <i>The Boston Globe</i>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=The+Boston+Globe&rft.atitle=Perspectives+Can+Change+at+Liberty+Mutual&rft.date=2012-10-05&rft.aulast=McGrory&rft.aufirst=Brian&rft_id=https%3A%2F%2Fwww.bostonglobe.com%2Fmetro%2F2012%2F10%2F04%2FY0QxGU0oOWVvk8xEw2j4FK%2Fstory.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-46"><span class="mw-cite-backlink"><b><a href="#cite_ref-46">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.bostonglobe.com/metro/2012/05/10/liberty-mutual-your-premiums-his-premium-office/KCBs1sGY6krd5No3t06WDI/story.html">"Liberty Mutual: Your premiums, his premium office – Metro"</a>. The Boston Globe. May 11, 2012<span class="reference-accessdate">. Retrieved <span class="nowrap">July 11,</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Liberty+Mutual%3A+Your+premiums%2C+his+premium+office+%E2%80%93+Metro&rft.pub=The+Boston+Globe&rft.date=2012-05-11&rft_id=https%3A%2F%2Fwww.bostonglobe.com%2Fmetro%2F2012%2F05%2F10%2Fliberty-mutual-your-premiums-his-premium-office%2FKCBs1sGY6krd5No3t06WDI%2Fstory.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-47"><span class="mw-cite-backlink"><b><a href="#cite_ref-47">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.bostonglobe.com/metro/2012/04/19/untimely-award/NIZk2GFeLMM6KWAiID3ZcN/story.html">"An untimely award – Metro"</a>. The Boston Globe. April 20, 2012<span class="reference-accessdate">. Retrieved <span class="nowrap">July 11,</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=An+untimely+award+%E2%80%93+Metro&rft.pub=The+Boston+Globe&rft.date=2012-04-20&rft_id=https%3A%2F%2Fwww.bostonglobe.com%2Fmetro%2F2012%2F04%2F19%2Funtimely-award%2FNIZk2GFeLMM6KWAiID3ZcN%2Fstory.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-48"><span class="mw-cite-backlink"><b><a href="#cite_ref-48">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.bostonglobe.com/metro/2012/06/12/the-viewfrom-top/M6EYFeckQuB2sMBsMxfc3H/story.html">"The viewfrom the top – Metro"</a>. The Boston Globe. June 13, 2012<span class="reference-accessdate">. Retrieved <span class="nowrap">July 11,</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=The+viewfrom+the+top+%E2%80%93+Metro&rft.pub=The+Boston+Globe&rft.date=2012-06-13&rft_id=https%3A%2F%2Fwww.bostonglobe.com%2Fmetro%2F2012%2F06%2F12%2Fthe-viewfrom-top%2FM6EYFeckQuB2sMBsMxfc3H%2Fstory.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-49"><span class="mw-cite-backlink"><b><a href="#cite_ref-49">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.bostonglobe.com/metro/2012/04/24/brian-mcgrory-there-more-lots-more-liberty-mutual-compensation-story/hbzbaX4WfCZG6BypJf8uRK/story.html">"Brian McGrory: There's more, lots more to Liberty Mutual compensation story – Metro"</a>. The Boston Globe. April 25, 2012<span class="reference-accessdate">. Retrieved <span class="nowrap">July 11,</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Brian+McGrory%3A+There%27s+more%2C+lots+more+to+Liberty+Mutual+compensation+story+%E2%80%93+Metro&rft.pub=The+Boston+Globe&rft.date=2012-04-25&rft_id=https%3A%2F%2Fwww.bostonglobe.com%2Fmetro%2F2012%2F04%2F24%2Fbrian-mcgrory-there-more-lots-more-liberty-mutual-compensation-story%2FhbzbaX4WfCZG6BypJf8uRK%2Fstory.html&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-50"><span class="mw-cite-backlink"><b><a href="#cite_ref-50">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite id="CITEREFMcGrory2012" class="citation news cs1">McGrory, Brian (May 2, 2012). <a rel="nofollow" class="external text" href="http://www.boston.com/news/local/massachusetts/articles/2012/05/02/at_liberty_mutual_no_accounting_for_executive_privileges/">"At Liberty Mutual, no accounting for executive privileges – The Boston Globe"</a>. <i>Boston.com</i><span class="reference-accessdate">. Retrieved <span class="nowrap">July 11,</span> 2015</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Boston.com&rft.atitle=At+Liberty+Mutual%2C+no+accounting+for+executive+privileges+%E2%80%93+The+Boston+Globe&rft.date=2012-05-02&rft.aulast=McGrory&rft.aufirst=Brian&rft_id=http%3A%2F%2Fwww.boston.com%2Fnews%2Flocal%2Fmassachusetts%2Farticles%2F2012%2F05%2F02%2Fat_liberty_mutual_no_accounting_for_executive_privileges%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> <li id="cite_note-51"><span class="mw-cite-backlink"><b><a href="#cite_ref-51">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222" /><cite id="CITEREFHeldenfels2019" class="citation news cs1">Heldenfels, Rich (July 19, 2019). <a rel="nofollow" class="external text" href="https://www.ohio.com/news/20190718/television-mailbag-is-that-real-emu-in-liberty-mutual-commercials">"Television mailbag: Is that a real emu in Liberty Mutual commercials?"</a>. <i><a href="/wiki/Akron_Beacon_Journal" title="Akron Beacon Journal">Akron Beacon Journal</a></i><span class="reference-accessdate">. Retrieved <span class="nowrap">July 23,</span> 2019</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Ajournal&rft.genre=article&rft.jtitle=Akron+Beacon+Journal&rft.atitle=Television+mailbag%3A+Is+that+a+real+emu+in+Liberty+Mutual+commercials%3F&rft.date=2019-07-19&rft.aulast=Heldenfels&rft.aufirst=Rich&rft_id=https%3A%2F%2Fwww.ohio.com%2Fnews%2F20190718%2Ftelevision-mailbag-is-that-real-emu-in-liberty-mutual-commercials&rfr_id=info%3Asid%2Fen.wikipedia.org%3ALiberty+Mutual" class="Z3988"></span></span> </li> </ol></div></div> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Liberty_Mutual&action=edit&section=14" title="Edit section: External links"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1235681985">.mw-parser-output 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href="/wiki/Template:Major_insurance_companies" title="Template:Major insurance companies"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Major_insurance_companies" title="Template talk:Major insurance companies"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Major_insurance_companies" title="Special:EditPage/Template:Major insurance companies"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Major_insurance_and_reinsurance_companies293" style="font-size:114%;margin:0 4em">Major <a href="/wiki/Insurance" title="Insurance">insurance</a> and <a href="/wiki/Reinsurance" title="Reinsurance">reinsurance</a> companies</div></th></tr><tr><th scope="row" class="navbox-group" style="width:1%;text-align: left;">Insurance</th><td class="navbox-list-with-group navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"></div><table class="nowraplinks navbox-subgroup" style="border-spacing:0"><tbody><tr><th scope="row" class="navbox-group" style="width:1%;text-align: left;background-color: #eee;"><a href="/wiki/Americas" title="Americas">Americas</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Aflac" title="Aflac">Aflac</a></li> <li><a href="/wiki/Ambac" title="Ambac">Ambac</a></li> <li><a href="/wiki/American_Family_Insurance" title="American Family Insurance">American Family Insurance</a></li> <li><a href="/wiki/American_International_Group" title="American International Group">American International Group</a></li> <li><a href="/wiki/Berkshire_Hathaway" title="Berkshire Hathaway">Berkshire Hathaway</a></li> <li><a href="/wiki/Chubb_Limited" title="Chubb Limited">Chubb</a></li> <li><a href="/wiki/Cigna" class="mw-redirect" title="Cigna">Cigna</a></li> <li><a href="/wiki/CNA_Financial" title="CNA Financial">CNA Financial</a></li> <li><a href="/wiki/CUNA_Mutual_Group" title="CUNA Mutual Group">CUNA Mutual Group</a></li> <li><a href="/wiki/FM_Global" title="FM Global">FM Global</a></li> <li><a href="/wiki/The_Hartford" title="The Hartford">The Hartford</a></li> <li><a href="/wiki/Humana" title="Humana">Humana</a></li> <li><a class="mw-selflink selflink">Liberty Mutual</a></li> <li><a href="/wiki/Markel_Corporation" class="mw-redirect" title="Markel Corporation">Markel Corporation</a></li> <li><a href="/wiki/Manulife" title="Manulife">Manulife</a></li> <li><a href="/wiki/MassMutual" title="MassMutual">MassMutual</a></li> <li><a href="/wiki/MetLife" title="MetLife">MetLife</a></li> <li><a href="/wiki/Mutual_of_America" title="Mutual of America">Mutual of America</a></li> <li><a href="/wiki/Mutual_of_Omaha" title="Mutual of Omaha">Mutual of Omaha</a></li> <li><a href="/wiki/National_Life_Group" title="National Life Group">National Life Group</a></li> <li><a href="/wiki/Nationwide_Mutual_Insurance_Company" title="Nationwide Mutual Insurance Company">Nationwide Mutual Insurance Company</a></li> <li><a href="/wiki/New_York_Life_Insurance_Company" title="New York Life Insurance Company">New York Life Insurance Company</a></li> <li><a href="/wiki/Northwestern_Mutual" title="Northwestern Mutual">Northwestern Mutual</a></li> <li><a href="/wiki/Ohio_National_Life_Insurance_Company" title="Ohio National Life Insurance Company">Ohio National Life Insurance Company</a></li> <li><a href="/wiki/Pacific_Life" title="Pacific Life">Pacific Life</a></li> <li><a href="/wiki/Progressive_Corporation" title="Progressive Corporation">Progressive Corporation</a></li> <li><a href="/wiki/Prudential_Financial" title="Prudential Financial">Prudential Financial</a></li> <li><a href="/wiki/State_Farm" title="State Farm">State Farm</a></li> <li><a href="/wiki/Sun_Life_Financial" title="Sun Life Financial">Sun Life Financial</a></li> <li><a href="/wiki/UnitedHealth_Group" title="UnitedHealth Group">UnitedHealth Group</a></li> <li><a href="/wiki/Unum" title="Unum">Unum</a></li> <li><a href="/wiki/USAA" title="USAA">USAA</a></li> <li><a href="/wiki/Western_%26_Southern_Financial_Group" title="Western & Southern Financial Group">Western & Southern Financial Group</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%;text-align: left;background-color: #eee;"><a href="/wiki/Europe,_the_Middle_East_and_Africa" title="Europe, the Middle East and Africa">EMEA</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Aegon_N.V." class="mw-redirect" title="Aegon N.V.">Aegon N.V.</a></li> <li><a href="/wiki/Ageas" title="Ageas">Ageas</a></li> <li><a href="/wiki/Allianz" title="Allianz">Allianz</a></li> <li><a href="/wiki/Aon_(company)" title="Aon (company)">Aon</a></li> <li><a href="/wiki/Assicurazioni_Generali" title="Assicurazioni Generali">Assicurazioni Generali</a></li> <li><a href="/wiki/Aviva" title="Aviva">Aviva</a></li> <li><a href="/wiki/Axa" title="Axa">Axa</a></li> <li><a href="/wiki/B%C3%A2loise" title="Bâloise">Bâloise</a></li> <li><a href="/wiki/CNP_Assurances" title="CNP Assurances">CNP Assurances</a></li> <li><a href="/wiki/Folksam" title="Folksam">Folksam</a></li> <li><a href="/wiki/Groupama" title="Groupama">Groupama</a></li> <li><a href="/wiki/L%C3%A4hiTapiola" title="LähiTapiola">LähiTapiola</a></li> <li><a href="/wiki/Mapfre" title="Mapfre">Mapfre</a></li> <li><a href="/wiki/Mutua_Madrile%C3%B1a" title="Mutua Madrileña">Mutua Madrileña</a></li> <li><a href="/wiki/NN_Group" title="NN Group">NN Group</a></li> <li><a href="/wiki/Old_Mutual" title="Old Mutual">Old Mutual</a></li> <li><a href="/wiki/Phoenix_Group" title="Phoenix Group">Phoenix Group</a></li> <li><a href="/wiki/Prudential_plc" title="Prudential plc">Prudential plc</a></li> <li><a href="/wiki/Royal_London_Group" title="Royal London Group">Royal London Group</a></li> <li><a href="/wiki/RSA_Insurance_Group" title="RSA Insurance Group">RSA Insurance Group</a></li> <li><a href="/wiki/Sampo_Group" title="Sampo Group">Sampo Group</a></li> <li><a href="/wiki/Storebrand" title="Storebrand">Storebrand</a></li> <li><a href="/wiki/Suva_(insurer)" title="Suva (insurer)">Suva</a></li> <li><a href="/wiki/Swiss_Life" title="Swiss Life">Swiss Life</a></li> <li><a href="/wiki/Varma_Mutual_Pension_Insurance_Company" title="Varma Mutual Pension Insurance Company">Varma Mutual Pension Insurance Company</a></li> <li><a href="/wiki/Zurich_Insurance_Group" title="Zurich Insurance Group">Zurich Insurance Group</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%;text-align: left;background-color: #eee;"><a href="/wiki/Asia%E2%80%93Pacific" title="Asia–Pacific">APAC</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/AIA_Group" title="AIA Group">AIA Group</a></li> <li><a href="/wiki/China_Life_Insurance_Company" title="China Life Insurance Company">China Life Insurance Company</a></li> <li><a href="/wiki/China_Pacific_Insurance_Company" title="China Pacific Insurance Company">China Pacific Insurance Company</a></li> <li><a href="/wiki/Dai-ichi_Life" title="Dai-ichi Life">Dai-ichi Life</a></li> <li><a href="/wiki/Great_Eastern_Life" title="Great Eastern Life">Great Eastern Life</a></li> <li><a href="/wiki/Kyobo_Life_Insurance" title="Kyobo Life Insurance">Kyobo Life Insurance</a></li> <li><a href="/wiki/Life_Insurance_Corporation" title="Life Insurance Corporation">Life Insurance Corporation</a></li> <li><a href="/wiki/Meiji_Yasuda_Life" title="Meiji Yasuda Life">Meiji Yasuda Life</a></li> <li><a href="/wiki/MS%26AD_Insurance_Group" title="MS&AD Insurance Group">MS&AD Insurance Group</a></li> <li><a href="/wiki/Nippon_Life" title="Nippon Life">Nippon Life</a></li> <li><a href="/wiki/Income_Insurance" title="Income Insurance">Income Insurance</a></li> <li><a href="/wiki/Ping_An_Insurance" title="Ping An Insurance">Ping An Insurance</a></li> <li><a href="/wiki/QBE_Insurance" title="QBE Insurance">QBE Insurance</a></li> <li><a href="/wiki/Singlife" title="Singlife">Singlife</a></li> <li><a href="/wiki/SOMPO_Holdings" title="SOMPO Holdings">SOMPO Holdings</a></li> <li><a href="/wiki/Sumitomo_Life" title="Sumitomo Life">Sumitomo Life</a></li> <li><a href="/wiki/T%26D_Holdings" title="T&D Holdings">T&D Holdings</a></li> <li><a href="/wiki/Taikang_Life_Insurance" title="Taikang Life Insurance">Taikang Life Insurance</a></li> <li><a href="/wiki/Tokio_Marine" title="Tokio Marine">Tokio Marine</a></li></ul> </div></td></tr></tbody></table><div></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%;text-align: left;">Reinsurance</th><td class="navbox-list-with-group navbox-list navbox-even hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Arch_Capital_Group" title="Arch Capital Group">Arch Capital Group</a></li> <li><a href="/wiki/Axa_XL" title="Axa XL">Axa XL</a></li> <li><a href="/wiki/China_Re" title="China Re">China Re</a></li> <li><a href="/wiki/Everest_Group" title="Everest Group">Everest Group</a></li> <li><a href="/wiki/General_Insurance_Corporation_of_India" title="General Insurance Corporation of India">General Insurance Corporation of India</a></li> <li><a href="/wiki/Hannover_Re" title="Hannover Re">Hannover Re</a></li> <li><a href="/wiki/Instituto_de_Resseguros_do_Brasil" title="Instituto de Resseguros do Brasil">Instituto de Resseguros do Brasil</a></li> <li><a href="/wiki/Korean_Re" title="Korean Re">Korean Re</a></li> <li><a href="/wiki/Lloyd%27s_of_London" title="Lloyd's of London">Lloyd's of London</a></li> <li><a href="/wiki/Munich_Re" title="Munich Re">Munich Re</a></li> <li><a href="/wiki/Reinsurance_Group_of_America" title="Reinsurance Group of America">Reinsurance Group of America</a></li> <li><a href="/wiki/RenaissanceRe" title="RenaissanceRe">RenaissanceRe</a></li> <li><a href="/wiki/SCOR_SE" title="SCOR SE">SCOR SE</a></li> <li><a href="/wiki/Swiss_Re" title="Swiss Re">Swiss Re</a></li> <li><a href="/wiki/TransRe" title="TransRe">TransRe</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="2"><div><small><i>Methodology: <a href="/wiki/Sovereign_Wealth_Fund_Institute" title="Sovereign Wealth Fund Institute">SWFI</a> ranking by Total Assets</i></small><br /> <span class="noviewer" typeof="mw:File"><span title="List-Class article"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/d/db/Symbol_list_class.svg/16px-Symbol_list_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/d/db/Symbol_list_class.svg/23px-Symbol_list_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/d/db/Symbol_list_class.svg/31px-Symbol_list_class.svg.png 2x" data-file-width="180" data-file-height="185" /></span></span> <a href="/wiki/List_of_largest_insurance_companies" title="List of largest insurance companies">List of largest insurance companies</a></div></td></tr></tbody></table></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374" /><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236075235" /></div><div role="navigation" class="navbox" aria-labelledby="International_Credit_Insurance_&amp;_Surety_Association_Members63" style="padding:3px"><table class="nowraplinks mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374" /><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231" /><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:ICISA_members" title="Template:ICISA members"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:ICISA_members" title="Template talk:ICISA members"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:ICISA_members" title="Special:EditPage/Template:ICISA members"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="International_Credit_Insurance_&amp;_Surety_Association_Members63" style="font-size:114%;margin:0 4em"><a href="/wiki/International_Credit_Insurance_%26_Surety_Association" title="International Credit Insurance & Surety Association">International Credit Insurance & Surety Association</a> Members</div></th></tr><tr><td colspan="2" class="navbox-list navbox-odd hlist" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/American_International_Group" title="American International Group">AIG</a></li> <li><a href="/wiki/Allianz" title="Allianz">Allianz Trade</a></li> <li><a href="/wiki/Arch_Capital_Group" title="Arch Capital Group">Arch Re Europe</a></li> <li><a href="/wiki/Atradius" title="Atradius">Atradius</a></li> <li><a href="/wiki/Aviva" title="Aviva">Aviva</a></li> <li><a href="/wiki/Axa" title="Axa">Axa Switzerland</a></li> <li><a href="/wiki/AXIS_Capital" title="AXIS Capital">AXIS Capital</a></li> <li><a href="/wiki/BTG_Pactual" title="BTG Pactual">BTG Pactual</a></li> <li><a href="/wiki/Belgian_Export_Credit_Agency" title="Belgian Export Credit Agency">Credendo</a></li> <li><a href="/wiki/Chubb_Corp." class="mw-redirect" title="Chubb Corp.">Chubb</a></li> <li><a href="/wiki/Coface" class="mw-redirect" title="Coface">Coface</a></li> <li><a href="/wiki/Export%E2%80%93Import_Bank_of_Thailand" title="Export–Import Bank of Thailand">Exim Thailand</a></li> <li><a href="/wiki/Groupama" title="Groupama">Groupama</a></li> <li><a href="/wiki/Hannover_Re" title="Hannover Re">Hannover Re</a></li> <li><a href="/wiki/Intact_Financial" title="Intact Financial">Intact Insurance</a></li> <li><a class="mw-selflink selflink">Liberty Mutual</a></li> <li><a href="/wiki/Mitsui_Sumitomo" class="mw-redirect" title="Mitsui Sumitomo">Mitsui Sumitomo</a></li> <li><a href="/wiki/Amlin" title="Amlin">MS Reinsurance</a></li> <li><a href="/wiki/Munich_Re" title="Munich Re">Munich Re</a></li> <li><a href="/wiki/The_Hartford" title="The Hartford">Navigators Re</a></li> <li><a href="/wiki/People%27s_Insurance_Company_of_China" title="People's Insurance Company of China">PICC</a></li> <li><a href="/wiki/Ping_An_Insurance" title="Ping An Insurance">Ping An</a></li> <li><a href="/wiki/QBE_Insurance" title="QBE Insurance">QBE Insurance</a></li> <li><a href="/wiki/RenaissanceRe" title="RenaissanceRe">RenaissanceRe</a></li> <li><a href="/wiki/SACE_(company)" title="SACE (company)">SACE</a></li> <li><a href="/wiki/SCOR_SE" title="SCOR SE">SCOR SE</a></li> <li><a href="/wiki/Seoul_Guarantee_Insurance" title="Seoul Guarantee Insurance">Seoul Guarantee Insurance</a></li> <li><a href="/wiki/Sompo_Japan" title="Sompo Japan">Sompo Japan</a></li> <li><a href="/wiki/Swiss_Re" title="Swiss Re">Swiss Re</a></li> <li><a href="/wiki/Tokio_Marine_%26_Nichido_Fire" class="mw-redirect" title="Tokio Marine & Nichido Fire">Tokyo Marine</a></li> <li><a href="/wiki/Travelers_Insurance" class="mw-redirect" title="Travelers Insurance">Travelers</a></li> <li><a href="/wiki/Tryg" title="Tryg">Tryg Trade</a></li> <li><a href="/wiki/Zurich_Insurance_Group" title="Zurich Insurance Group">Zurich</a></li></ul> </div></td></tr></tbody></table></div>    </div><noscript><img src="https://login.wikimedia.org/wiki/Special:CentralAutoLogin/start?useformat=desktop&type=1x1&usesul3=0" alt="" width="1" height="1" style="border: none; position: 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