Liberty Mutual Insurance delivers comprehensive commercial solutions including workers compensation insurance, commercial auto insurance, business owners policy BOP, general liability insurance, property insurance, umbrella liability, and specialty programs for trucking fleets, construction, manufacturing, restaurants, retail, and service contractors nationwide.
This central Liberty Mutual hub stores all Liberty Mutual insurance reviews 2026, detailed cost guides, coverage comparisons, and provider analysis. Access Liberty Mutual workers comp insurance cost, Liberty Mutual commercial auto rates, Liberty Mutual BOP pricing, Liberty Mutual general liability insurance, Liberty Mutual fleet insurance, and transportation coverage details.
Liberty Mutual Insurance Coverage Portfolio
Liberty Mutual Workers Compensation Insurance
Liberty Mutual provides workers comp insurance with telematics-based safety programs, managed care networks, and industry-specific loss control. Coverage includes medical, indemnity, rehabilitation, and employer liability.
Target Industries:
- Trucking/transportation (commercial trucking insurance)
- Construction (contractors insurance near me)
- Manufacturing (heavy equipment insurance)
- Restaurants (employee compensation insurance)
Workers Comp Rates (2026):
| Payroll | Industry | Monthly Premium |
|---|---|---|
| $100K | Trucking | $400-$950 |
| $250K | Construction | $950-$2,500 |
| $500K | Manufacturing | $2,000-$5,000 |
| $1M | Restaurants | $3,500-$8,500 |
Liberty Mutual WC Features:
- RightSource managed care network
- Liberty Mutual Safety Management
- Payroll reporting integration
- Multi-state operations support
Liberty Mutual Commercial Auto Insurance
Liberty Mutual commercial auto insurance excels in fleet operations with $500K-$2M limits, bobtail/non-trucking coverage, and cargo insurance options for local/regional/long-haul operations.
Fleet Coverage Options:
- Business auto (local delivery)
- Motor truck cargo
- Trailer interchange
- Physical damage/comprehensive
Vehicle & Rate Examples:
| Vehicle Type | Operation | Annual Premium |
|---|---|---|
| Box Truck | Local | $3,800-$7,500 |
| Semi-Tractor | Regional | $12,500-$28,000 |
| Cargo Van | Delivery | $2,200-$4,800 |
| Fleet (10+ vehicles) | Discounted | 10-20% savings |
Liberty Mutual Business Owners Policy (BOP)
Liberty Mutual BOP insurance bundles GL + property + business income for eligible retail, office, and service businesses with revenue under $5M.
BOP Coverage Limits:
- GL: $1M/$2M standard
- Property: Up to $3M combined
- Business income: 12 months
- Equipment breakdown included
BOP Pricing:
| Revenue | Business Type | Monthly Premium |
|---|---|---|
| $250K | Retail | $55-$115 |
| $500K | Office | $75-$155 |
| $1M | Service | $115-$235 |
| $3M | Wholesale | $185-$385 |
Liberty Mutual General Liability Insurance
Liberty Mutual general liability insurance covers premises/operations, products liability, and completed operations with $1M-$5M limits and optional endorsements.
Key Features:
- Host liquor liability
- Damage to premises rented
- Personal/advertising injury
- Worldwide coverage available
GL Rates by Risk:
| NAICS | Description | Monthly Rate |
|---|---|---|
| 484110 | General Freight Trucking | $95-$225 |
| 236210 | Industrial Building Construction | $125-$325 |
| 722511 | Limited-Service Eating Places | $85-$195 |
| 541618 | Management Consulting | $35-$85 |
Liberty Mutual Commercial Property Insurance
Liberty Mutual commercial property insurance provides replacement cost coverage, business income (12-24 months), and extra expense protection for buildings, business personal property, and improvements.
Property Options:
- Blanket coverage
- Business income interruption
- Ordinance/law coverage
- Boiler/machinery
Rate Examples:
| Value | Occupancy | Annual Premium |
|---|---|---|
| $1M | Retail | $5,500-$11,000 |
| $2.5M | Manufacturing | $15,000-$32,500 |
| $5M | Warehouse | $22,500-$48,000 |
Liberty Mutual Umbrella/Excess Liability
Liberty Mutual umbrella insurance provides $1M-$25M excess coverage above primary policies protecting against catastrophic liability losses.
Umbrella Features:
- Follow-form coverage
- Worldwide protection
- Buffer layer options
- Drop-down coverage available
Liberty Mutual Insurance by Industry
Transportation & Trucking
- Commercial truck insurance companies ranked
- Commercial trucking insurance for new authority
- Bobtail insurance for semi truck
- Cargo van insurance cost optimization
- Fleet insurance compare options
Construction & Contracting
- Contractors insurance near me programs
- General contractor business insurance
- Home improvement contractor insurance cost
- Roofing business insurance coverage
- Construction liability insurance cost
Hospitality & Restaurants
- Restaurant insurance quote comprehensive
- Commercial restaurant insurance packages
- Food business insurance cost analysis
- Liquor liability insurance cost coverage
Manufacturing & Wholesale
- Heavy equipment insurance programs
- Manufacturing insurance coverage options
- Product liability insurance manufacturers
- Commercial property insurance rates
Service Businesses
- Janitorial business insurance coverage
- Plumbing business insurance contractors
- HVAC contractor insurance programs
- Auto repair shop insurance coverage
Liberty Mutual Complete Articles & Guides Hub
Central repository for all Liberty Mutual commercial insurance content:
Published Liberty Mutual Guides:
• Liberty Mutual Commercial Auto Insurance 2026: Trucking & Fleet Coverage
• Liberty Mutual Workers Compensation Insurance Cost Analysis
• Liberty Mutual BOP vs Progressive Commercial: Business Coverage Comparison
• Liberty Mutual General Contractor Insurance Complete Guide
Coming Soon:
• Liberty Mutual Fleet Insurance Programs for Box Trucks & Semis
• Liberty Mutual Restaurant Insurance: Property + Liability Packages
• Liberty Mutual Manufacturing Insurance Coverage Options
• Liberty Mutual Construction Contractor Insurance 2026 Rates
Liberty Mutual Premium Comparison Chart
Annual Costs for Transportation Businesses (2026):
| Coverage | Liberty Mutual | Progressive | AmTrust | Chubb |
|---|---|---|---|---|
| Workers Comp ($250K payroll) | $4,500 | $4,200 | $3,800 | $5,500 |
| Commercial Auto (Semi) | $18,500 | $16,800 | $22,000 | Custom |
| GL ($2M limits) | $2,800 | $2,400 | $2,100 | $3,900 |
| BOP Package | $2,400 | N/A | $2,100 | $2,400 |
| Umbrella ($5M) | $8,500 | $9,200 | N/A | $12,500 |
Liberty Mutual Financial Strength
Strengths:
• AM Best: A (Excellent)
• Fortune 100 company ($50B+ premiums)
• Largest workers comp writer USA
• Extensive fleet insurance experience
• Global network 900+ locations
Frequently Asked Questions
What is Liberty Mutual workers comp insurance cost?
$1.80-$3.40 per $100 payroll for trucking/construction, varies by experience mod, state, and safety programs.
Does Liberty Mutual offer commercial truck insurance?
Yes, comprehensive coverage for local/regional/long-haul with bobtail, cargo, trailer interchange, and fleet discounts.
Can I get Liberty Mutual BOP insurance for retail?
Yes for retail stores, offices, wholesalers under $5M revenue with property + GL + business income bundled.
What commercial auto coverage does Liberty Mutual provide?
$500K-$2M limits for trucks, tractors, trailers including physical damage, cargo, and hired/non-owned auto.
Does Liberty Mutual insure construction contractors?
Yes, workers comp, general liability, builders risk, and equipment coverage for general/residential contractors.
How much is Liberty Mutual general liability insurance?
$35-$325 monthly for $1M-$2M limits depending on industry classification and revenue.
What fleet insurance discounts does Liberty Mutual offer?
10-25% fleet discounts, telematics programs, safety training credits for 5+ vehicle operations.
Does Liberty Mutual provide umbrella liability coverage?
Yes, $1M-$25M excess liability above primary policies with worldwide protection.
Can restaurants get Liberty Mutual insurance?
Yes, property, general liability, liquor liability, workers comp for full-service and limited-service restaurants.
Obtaining Liberty Mutual Coverage
Process:
- Agent Locator – Find local Liberty Mutual commercial agent
- Risk Profile – Submit operations, fleet, payroll details
- Safety Review – Optional telematics/safety assessment
- Multi-Line Quote – Bundle workers comp + auto + property
- Account Servicing – Local agent + online policy management
Liberty Mutual Insurance Complete Hub – Updated January 2026. Centralized commercial auto, workers comp, BOP coverage resource for USA trucking, construction, manufacturing, restaurant businesses. Rates based on market data.