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Liberty Mutual Commercial Truck Insurance Review


ConsumersAdvocate.org Rating: 4.3 / 5 (Excellent)
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Liberty Mutual is the United States' fourth largest property and casualty insurer, providing policies for both individuals and businesses. It is 75th on the list of Fortune 500 companies, operates in 30 countries, and employs close to 50,000 people around the world. Along with customized policies for commercial trucks and towing businesses, it features several risk-mitigating options and discounts for businesses with multiple drivers.
 
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How is Liberty Mutual rated?

Breakdown

4.5/5
Coverage
4.0/5
Total Costs
3.5/5
Extras

Overall Rating: 4.3 / 5 (Excellent)

Being the fourth largest insurer and one of the oldest in the United States, Liberty Mutual is set apart by its long history in the market, financial stability, comprehensive coverage, and international reach. It does, however, have a high complaint ratio and a fair amount of negative reviews by customers. Like many traditional companies, it does not provide much information online, preferring instead to direct potential customers to a local broker.

Liberty Mutual Coverage Options

Coverage - 4.5 / 5

Liberty Mutual features several services designed to mitigate risks involved in commercial driving, such as safety training for operators, and a tool to monitor driver performance and possible unsafe driving behavior. The company also provides technical options that can help speed the claims process, such as an app that allows drivers to take pictures of damage with their phone and instantly request estimates from Liberty Mutual adjusters. In 2014, the company partnered with Trinity Transportation Services to provide specialized coverage for tow trucks.

Basic Coverage

Liability
Bodily Injury
Property Damage
Uninsured/Underinsured Motorist
Medical Payments
Collision
Comprehensive
Types of Vehicles Covered
Cars
SUVs
Pickup Truck
Utility Vans
Bucket Trucks

Additional Coverage

  • Towing & Labor Costs
Truck-Specific Coverage
On-Hook Towing Insurance

Liberty Mutual Pricing & Discounts

Total Costs - 4 / 5

Liberty Mutual offers multi-policy and multi-car discounts, as well as discounts for new clients and policyholders that pay their premium in full.
Online Quote
No
Discounts
Package or Multi-Policy Discounts
Paid-in-Full Discount

Liberty Mutual Financial Strength

Financial Strength - 5 / 5

Liberty Mutual is the third-largest property and casualty insurer in the U.S. They are consistently ranked in the top 100 in Forbes' Fortune 500 list.
Standard & Poor's Financial Rating
A
Moody's Financial Rating
A2
AM Best Financial Rating
A
Year Founded
1912
Company Type
Subsidiary/ Partner
Underwriter
Liberty Mutual Group

Liberty Mutual Customer Experience

Extras - 3.5 / 5

Liberty Mutual has an "A" grade from the Better Business Bureau. They have 1,187 complaints and 236 negative reviews on the site. Additionally, they have a very high complaint ratio with the National Association of Insurance Commissioners, with 6 filings involving their commercial auto products.
BBB Rating
A
Number of BBB Positive Reviews
12
Number of BBB Negative Reviews
236
NAIC Complaint Ratio 2017
12.52
NAIC Total Complaints 2017
6
Date Collected
2018-03-26

Company Profile

Full Name
Liberty Mutual Commercial Truck Insurance
Company Website
https://business.libertymutualgroup.com/business-insurance/coverages/commercial-auto-insurance-policy
Headquarters
175 Berkeley Street, Boston, MA, 02116
Mailing Address
175 Berkeley Street, Boston, MA, 02116

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Top Rated
Our Partner
  • Business insurance broker that works with well-regarded insurers
  • Offers Cyber, Business Owners Policy (BOP), General Liability, Professional Liability (Errors & Omissions), Workers Compensation, Commercial Auto, Directors & Officers
  • Operates in all 50 states plus DC
  • Connects to customers via web interface or phone
  • Produces competing insurance offers for customers to choose among
  • Focuses on small- to medium-sized businesses
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