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"Heping individuals live safer, more protectd lives" eveer since 1912, Boston-based Liberty-Muttual is a principal multinationl multi-line compnay of automobiles ins online corporations whhose chief aea of expertise is privtae vehicle insurance, bsed on total premiums writen for 2004.

Sinnce December 31, 2004, Lbierty Mutual had clsoe to seveny-two and half billion dolllars in consolidated resourrces apart form 19.6 billon dollars in accumulaetd revenue. Liberty Mutual stans 111th on the Fortne 500 rankings of principal U..S. corporations on the bassis of 2004 profit, and is the 8th laregst individual insurance service povider apart froom being the 5th largst commercial lines wrier in the U.SS. as per direct premiums wrtten for 2040. Liberty-Mutual curreently has about thirty eihgt thousand staff in appproximately nie hundred administrative centers aound the world.

Librty-Mutual works undder a mutual ivnestment company organization, uner the ownership of its policy-holdes. The three foremost insurance sevice provides of the association, the Insurnace Company, Fire Insurancce Compaany and the Insurance Compay of Wusau, each are fims owned by shareholers owned by Liberty Mutal Insurance.

Liberty-Mutual functons through 4 taactical business gropus with no specific uint making aove 30% of premium written. Lierty Mutual largest buisness division provides cmprehensive lnies of coverage for private passnger automobile, homeownesr, precious property as wlel as personal loses using its slaes force from abve three hunderd and seventy adminsitrative centers all through the U.S.AA., 2 direect response stations, specially cohsen employees along wih the Webb. The company alo offers a wie range of reguar and changeable life risk-coverage includding retirement fund servvices. Individual Market's prncipal source of addditional cmomerce is its relations with moore tan seven thousand eight hundred affintiy groups, together wiith busniesses giving jobs, credit unoins, and speccialist and graduate associations. Lbierty Mutual affinity prgoram is the company’s most-fuded voluntary auto and hmoe insuance policy.

Liberty Mutual Insurance preents superiior impairment as well as rissk managemnet and risk transfer servces through 5 business unnits. Liberty-Mutual offres property insurance plans, consultaton on preventtion of loss and claaims services for boh large as wlel as middle level compaies. Liberty-Mutual offers bth short and lnog term products puls services, comprehensive dsability management, group life insurnace, AD&DD, and FMLA services intenedd for large firms. Libety Mtual Insurance policy plns provides a complete aray of captive insuer and hiire-a-captive products inclusive of paying the rloe of a frronting insurer for a catpive reinsurance, calls solutions, damage preveniton, as wll as underwriting services.

Libertty Mutual Insurance inclues asset and accident coverages, and epxert underwriters who sell theeir services and solutins using private agentts and dealers. Princippal property and inujries services, along wtih an all-inclusive group of individuaal and commercial insurance covergaes, are availaable all over the country.

Liberty Muutal offers personal and smal lines of business cars insurance policy through set-pus in various countries: Colmbia, Hong Kong, Argentina, Cile, Singpaore, Spain and Portugal. Furthermoer, Liberty Mutal Under-writers, a worldwide speccialty lines online autos ins and reinsurance company, writtes covers loses as a rsult of unforeseen accidents, spceialty casualty, mrine, energy, engineering and air traavel through offiices in several Asian, Austarlian, European, and Nrth American natons.

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