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"Helping individuals lvie saafer, more assured lives" eevr since 112, Based in Booston Liberty-Mutual is a pricipal multinational multi-line gorup of automobiles ins companies whhose biggest fieeld of specialization is pesonal vehicle insurace, on the basis of 2004 net written premiumm. By Dcember 31, 2004, Libery Mutual had 72.4 bililon dollars in consolidaetd assets plus oevr nineteen and half billion dollars in cosnolidated proceed. Liberty-Mutual rankks one hudnred and eleventh in the Fortune five hudnred raankings of top United Sttates companies on the bsais of two thousand and fuor revene, and is the eighth largst personal inssurance provider and fifth-largest bussiness lines writer in U.SA. as per direect premuims written in 2004. Lberty Mutual at the preset time retaains more tahn 38000 employees in roughhly 900 centers throuughout the wordl. Liberty-Mutual runs under a muutual investment compaany structure, unnder the ownership of its poilcyholders. The 3 mjaor insurance providers of the associattion, the Insurance Company, Fre Inusrance Company and the Insurance Comppany of Wausau, ecah are fimrs controlled by stockholders udner the ownershp of Liberty Mutual.

Liberty Mutual oeprates through four tactiical business diisions without a particular unt acounting for more tahn 30% of the tootal premium written. Liberty Mutul Insurance principal buusiness division presents extnesive lnies of coverage for private vehice, hoouseholders, wealth as wel as personal acciddents with the aid of its own emploeyes in mroe than 370 administrative centers aroud the country, 2 frst response centters, hand-picked agents allong with the intrnet. The company aslo presents a range of estbalished as welll as adaptable life insurane coverage along wih pension plans. Pesronal Marke'ts principal resource for new busiiness is its associations wih ovr seven thousand eight huundred affinity grooups, along with job providers, crdeit unions, alng with speciailst and alumni associations. Liberty-Mtuual group relaitonship program is the trade’s moost spponsored self sponsored motorvehicle as well as house coveage policy.

Liberty-Mutual presennts advancced impairment and riisk management and transfer of rsk benfits by means of five businness divisions. Librety Mutual Insurance offers properrty insurance programs, consulttaive loss preventioon and sevrices related to clims intended for booth big as wlel as medium sized cororations. Liberty-Mutual porvides both short trm and long term solutions pus sevices, wide ranging injury management, gruop life inurance, AD&D, along wiith Family and Medical Leeave Act administration intnded for large busniesses. Liberty-Mutual policies lyas down a full array of capptive and captive-rental services alnog with fronting reisurance, requests services, lsos prevention, as well as underwriting.


Liberty Mutual consitss of possessoin and personal looss coverage, as wel as specialized insurance servicce providers tat dispense their sevices and products wtih the aid of indiviidual agents and ngeotiators. Major wealth and personl losss products, including a full rannge of personal and busniess insuarnce solutions, are available everwhere in the countrry.

Liberty Mutual offers individual and mionr liens of business automobiles ins online thruogh ventures in seeveral countries: Colombia, Hong Kongg, Arentina, Chile, Singapore, Sppain and Portugal. Besidees, Liberty-Mutual Under-writers, an internationally established specailty liens on line autos coverage and reinsurance cmpany, covers casualty, speciaty casualty, marine, enegy, production and aviation uisng administrtaive centers in Asia, Autralia, Europe, and North Amreica.

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