Company Details

Company Details

Company Name:
LIBERTY MUTUAL INSURANCE COMPANY
License Status:
Active
NAIC Number:
23043
Company Address:
175 Berkeley Street
Boston, MA 02116
Phone Number:
6173579500
Mailing Address:
175 Berkeley Street
Boston, MA 02116
Mailing Phone:
6173579500
Description:
Property and Casualty (Ch 379, RSMo)
License Number:
B423430
Date Admitted:
1919-07-02

Market Share

Year Line Market Share Direct Premium Written Direct Premium Earned Dividends Paid Direct Losses Paid Direct Losses Incurred In Force Loss Ratio
2025 Total Property & Casualty 0.2% $36,650,561 $33,646,611 $0 $31,583,775 $5,339,449 $0 16.91%
2025 Total Fire & Allied Lines 0.07% $477,377 $492,869 $0 $10,467 $270,305 $0 0%
2025 Dwelling Fire & Allied Lines 0% $0 $0 $0 $0 $261,465 $0 0%
2025 Commercial Fire & Allied Lines 0.15% $477,377 $492,869 $0 $10,467 $8,840 $0 84.46%
2025 Private Flood 0% $4 $4 $0 $0 $0 $0 0%
2025 Farmowners Multi-Peril 0% $0 $0 $0 $0 $1 $0 0%
2025 Total Homeowners 0.09% $3,187,003 $3,091,012 $0 $1,336,786 $574,279 $0 42.96%
2025 Homeowners Multi-Peril 0.09% $3,187,003 $3,091,012 $0 $1,336,786 $574,279 $0 42.96%
2025 Commercial Multi-Peril 0.03% $398,561 $413,140 $0 $0 $439,232 $0 0%
2025 Ocean Marine 1.6% $882,186 $871,697 $0 $468,111 $107,788 $0 23.03%
2025 Travel Coverage 0.12% $184,819 $161,102 $0 $45,089 $49,545 $0 109.88%
2025 Earthquake 0% $3,691 $3,470 $0 $0 $275 $0 0%
2025 Direct Workers Compensation 0% $1,688 $-363 $0 $378,100 $-1,442,578 $0 -381.53%
2025 Other Liability - Bodily Injury & Property Damage 0.02% $193,723 $179,041 $0 $11,445 $96,969 $0 0%
2025 Products Liability 0.14% $77,466 $72,801 $0 $825,939 $1,110,895 $0 134.5%
2025 Total Private Passenger Auto 0.01% $308,372 $353,410 $0 $106,747 $-169,094 $0 -158.41%
2025 Private Passenger Auto Liability - Bodily Injury 0.01% $148,035 $178,846 $0 $26,000 $1,045,127 $0 0%
2025 Private Passenger Auto Liability - Property Damage 0.01% $99,988 $109,535 $0 $0 $66,229 $0 0%
2025 Private Passenger Auto Liability - Medical Payments 0% $3,946 $3,660 $0 $0 $0 $0 0%
2025 Private Passenger Auto Liability - Uninsured Motorists 0.01% $33,038 $37,273 $0 $71,747 $-1,206,459 $0 0%
2025 Private Passenger Auto Liability - Underinsured Motorists 0.02% $23,365 $24,096 $0 $9,000 $-73,991 $0 0%
2025 Total Commercial Auto 0.01% $91,855 $81,568 $0 $14,229 $27,206 $0 191.2%
2025 Commercial Auto Liability - Bodily Injury 0.01% $71,547 $63,523 $0 $0 $-17,450 $0 0%
2025 Commercial Auto Liability - Property Damage 0.01% $20,208 $17,945 $0 $0 $-50,634 $0 0%
2025 Commercial Auto Liability - Medical Payments 0% $16 $16 $0 $0 $8,725 $0 0%
2025 Commercial Auto Liability - Uninsured Motorists 0% $84 $84 $0 $14,229 $86,565 $0 0%
2025 Private Passenger Auto - Comprehensive 0% $55,592 $57,095 $0 $36,046 $45,852 $0 127.2%
2025 Private Passenger Auto - Collision 0.01% $86,831 $86,449 $0 $58,308 $53,746 $0 92.18%
2025 Commercial Auto - Comprehensive 0% $1,480 $742 $0 $5,684 $5,684 $0 100%
2025 Commercial Auto - Collision 0% $3,500 $2,125 $0 $2,530 $4,080 $0 161.26%
2025 Aircraft 0% $0 $0 $0 $-13 $-13 $0 100%
2025 Fidelity 1.18% $299,470 $290,749 $0 $0 $139,617 $0 0%
2025 Surety 17.39% $28,607,352 $25,684,267 $0 $28,034,307 $4,228,683 $0 15.08%
2025 Credit Casualty 14.11% $738,832 $683,237 $0 $0 $16,652 $0 0%
2025 Umbrella 0.97% $1,050,759 $1,122,196 $0 $250,000 $-219,675 $0 -87.87%
2024 Total Property & Casualty 0.17% $29,059,503 $21,532,113 $0 $10,480,935 $8,223,149 $0 78.46%
2024 Total Fire & Allied Lines 0.08% $513,326 $414,492 $0 $0 $216,034 $0 0%
2024 Dwelling Fire & Allied Lines 0% $0 $0 $0 $0 $218,069 $0 0%
2024 Commercial Fire & Allied Lines 0.13% $513,326 $414,492 $0 $0 $-2,035 $0 0%
2024 Farmowners Multi-Peril 0% $-26 $-26 $0 $0 $-131 $0 0%
2024 Total Homeowners 0.09% $2,948,416 $2,896,478 $0 $1,132,170 $1,971,172 $0 174.11%
2024 Homeowners Multi-Peril 0.09% $2,948,416 $2,896,478 $0 $1,132,170 $1,971,172 $0 174.11%
2024 Commercial Multi-Peril 0.04% $473,109 $390,906 $0 $0 $102,009 $0 0%
2024 Ocean Marine 1.65% $935,899 $984,905 $0 $390,368 $943,885 $0 241.79%
2024 Travel Coverage 0.08% $129,091 $157,882 $0 $49,240 $-20,181 $0 -40.98%
2024 Earthquake 0% $2,635 $3,089 $0 $0 $190 $0 0%
2024 Direct Workers Compensation 0% $23,894 $27,558 $0 $549,445 $230,429 $0 41.94%
2024 Other Liability - Bodily Injury & Property Damage 0% $41,627 $64,902 $0 $6,290,102 $39,335 $0 0.63%
2024 Products Liability 0.09% $53,787 $35,615 $0 $89,372 $-156,394 $0 -174.99%
2024 Total Private Passenger Auto 0.01% $356,431 $470,648 $0 $180,812 $-12,829 $0 -7.1%
2024 Private Passenger Auto Liability - Bodily Injury 0.01% $183,665 $236,957 $0 $77,484 $-572,128 $0 0%
2024 Private Passenger Auto Liability - Property Damage 0.01% $110,877 $149,019 $0 $64,777 $25,655 $0 39.61%
2024 Private Passenger Auto Liability - Medical Payments 0% $2,193 $2,426 $0 $0 $0 $0 0%
2024 Private Passenger Auto Liability - Uninsured Motorists 0.01% $37,386 $52,483 $0 $37,551 $462,796 $0 0%
2024 Private Passenger Auto Liability - Underinsured Motorists 0.02% $22,310 $29,763 $0 $1,000 $70,848 $0 0%
2024 Total Commercial Auto 0.01% $100,850 $95,618 $0 $0 $77,357 $0 0%
2024 Commercial Auto Liability - Bodily Injury 0.01% $78,563 $74,432 $0 $0 $-115,624 $0 0%
2024 Commercial Auto Liability - Property Damage 0.01% $22,187 $21,036 $0 $-12,500 $69,223 $0 0%
2024 Commercial Auto Liability - Medical Payments 0% $16 $24 $0 $0 $57,812 $0 0%
2024 Commercial Auto Liability - Uninsured Motorists 0% $84 $126 $0 $12,500 $65,946 $0 0%
2024 Private Passenger Auto - Comprehensive 0% $47,548 $62,017 $0 $22,271 $16,910 $0 75.93%
2024 Private Passenger Auto - Collision 0% $69,696 $88,393 $0 $27,179 $30,652 $0 112.78%
2024 Commercial Auto - Comprehensive 0% $2,428 $2,219 $0 $0 $919 $0 0%
2024 Commercial Auto - Collision 0% $4,554 $4,364 $0 $0 $890 $0 0%
2024 Aircraft 0% $0 $0 $0 $-24 $-24 $0 100%
2024 Fidelity 1.05% $270,108 $202,800 $0 $0 $79,323 $0 0%
2024 Surety 14.74% $21,244,846 $13,668,980 $0 $1,750,000 $2,421,683 $0 138.38%
2024 Burglary & Theft 0% $0 $0 $0 $0 $20 $0 0%
2024 Credit Casualty 14.48% $682,313 $679,738 $0 $0 $-357,951 $0 0%
2024 Umbrella 0.98% $1,158,971 $1,281,535 $0 $0 $2,639,851 $0 0%
2023 Total Property & Casualty 0.14% $22,444,805 $20,584,818 $0 $5,055,726 $5,102,586 $0 100.93%
2023 Total Fire & Allied Lines 0.03% $223,278 $171,225 $0 $0 $177,997 $0 0%
2023 Dwelling Fire & Allied Lines 0% $0 $0 $0 $0 $173,880 $0 0%
2023 Commercial Fire & Allied Lines 0.07% $223,278 $171,225 $0 $0 $4,117 $0 0%
2023 Farmowners Multi-Peril 0% $543 $543 $0 $0 $-9 $0 0%
2023 Total Homeowners 0.09% $2,768,984 $2,794,476 $0 $1,737,012 $1,175,894 $0 67.7%
2023 Homeowners Multi-Peril 0.1% $2,768,984 $2,794,476 $0 $1,737,012 $1,175,894 $0 67.7%
2023 Commercial Multi-Peril 0.02% $264,767 $255,759 $0 $1,500 $-40,019 $0 0%
2023 Ocean Marine 1.15% $602,816 $774,245 $0 $65,468 $-71,424 $0 -109.1%
2023 Inland Marine (Incl Auto Cargo) 0.06% $314,377 $383,914 $0 $210,192 $206,891 $0 98.43%
2023 Earthquake 0% $3,186 $3,501 $0 $0 $106 $0 0%
2023 Direct Workers Compensation 0% $-83 $-5,704 $0 $753,293 $309,604 $0 41.1%
2023 Other Liability - Bodily Injury & Property Damage 0.02% $228,226 $256,496 $0 $13,887 $261,349 $0 0%
2023 Products Liability 0.01% $5,287 $12,539 $0 $31,923 $133,786 $0 419.09%
2023 Total Private Passenger Automobile 0.01% $780,796 $1,046,862 $0 $979,025 $147,579 $0 15.07%
2023 Private Passenger Auto Liability Bodily Injury 0.02% $284,757 $387,278 $0 $614,840 $-760,781 $0 -123.74%
2023 Private Passenger Auto Liability Property Damage 0.02% $190,222 $268,708 $0 $188,842 $78,172 $0 41.4%
2023 Private Passenger Auto Medical Payments 0% $2,181 $4,680 $0 $0 $-2,180 $0 0%
2023 Private Passenger Uninsured Motorists 0.02% $70,265 $95,021 $0 $40,000 $635,908 $0 0%
2023 Private Passenger Underinsured Motorists 0.03% $35,508 $48,201 $0 $21,000 $94,084 $0 448.02%
2023 Private Passenger Auto Comprehensive 0.01% $82,462 $106,165 $0 $45,588 $30,569 $0 67.05%
2023 Private Passenger Auto Collision 0.01% $115,401 $136,809 $0 $68,755 $71,807 $0 104.44%
2023 Total Commercial Automobile 0.01% $150,739 $92,841 $0 $0 $5,567 $0 0%
2023 Commercial Auto Liability Bodily Injury 0.02% $113,175 $67,973 $0 $0 $-26,386 $0 0%
2023 Commercial Auto Liability Property Damage 0.02% $32,026 $19,267 $0 $-27,300 $-86,582 $0 317.15%
2023 Commercial Auto Medical Payments 0% $60 $59 $0 $0 $13,193 $0 0%
2023 Commercial Auto Uninsured Motorists 0% $312 $280 $0 $27,300 $115,864 $0 424.41%
2023 Commercial Auto Comprehensive 0% $1,116 $1,468 $0 $0 $-1,935 $0 0%
2023 Commercial Auto Collision 0% $4,050 $3,794 $0 $0 $-8,587 $0 0%
2023 Aircraft 0% $0 $0 $0 $-2 $-3,491 $0 0%
2023 Fidelity 0.47% $124,218 $100,353 $0 $0 $46,269 $0 0%
2023 Surety 12.43% $14,222,336 $11,722,352 $0 $75,928 $1,865,366 $0 0%
2023 Credit Property (Excluding V.S.I.) 5.77% $1,356,936 $1,428,659 $0 $0 $435,502 $0 0%
2023 Umbrella 1.36% $1,398,399 $1,546,757 $0 $1,187,500 $451,619 $0 38.03%
2022 Total Property & Casualty 0.14% $20,635,610 $20,677,145 $0 $16,813,402 $14,677,807 $0 87.3%
2022 Total Fire & Allied Lines 0.06% $306,913 $289,943 $0 $0 $58,525 $0 0%
2022 Dwelling Fire & Allied Lines 0% $0 $0 $0 $0 $56,283 $0 0%
2022 Commercial Fire & Allied Lines 0.1% $306,913 $289,943 $0 $0 $2,242 $0 0%
2022 Farmowners Multi-Peril 0% $567 $567 $0 $0 $31 $0 0%
2022 Total Homeowners 0.1% $2,820,774 $2,567,708 $0 $1,327,745 $2,123,549 $0 159.94%
2022 Homeowners Multi-Peril 0.11% $2,820,774 $2,567,708 $0 $1,327,745 $2,123,549 $0 159.94%
2022 Commercial Multi-Peril 0.02% $237,140 $226,661 $0 $0 $47,202 $0 0%
2022 Ocean Marine 2.39% $1,167,374 $1,118,100 $0 $51,351 $62,946 $0 122.58%
2022 Inland Marine (Incl Auto Cargo) 0.07% $390,950 $381,221 $0 $306,193 $400,401 $0 130.77%
2022 Earthquake 0% $3,448 $2,130 $0 $0 $97 $0 0%
2022 Direct Workers Compensation 0% $-24,352 $-30,911 $0 $358,766 $206,153 $0 57.46%
2022 Other Liability - Bodily Injury & Property Damage 0.03% $258,419 $232,862 $0 $718,509 $7,314,334 $0 0%
2022 Products Liability 0.05% $21,546 $16,523 $0 $1,094,080 $956,207 $0 87.4%
2022 Total Private Passenger Automobile 0.03% $1,268,431 $2,072,886 $0 $1,670,154 $1,529,205 $0 91.56%
2022 Private Passenger Auto Liability Bodily Injury 0.04% $465,596 $700,844 $0 $594,006 $231,637 $0 39%
2022 Private Passenger Auto Liability Property Damage 0.04% $332,111 $560,806 $0 $558,301 $501,623 $0 89.85%
2022 Private Passenger Auto Medical Payments 0.01% $6,265 $11,213 $0 $0 $-2,674 $0 0%
2022 Private Passenger Uninsured Motorists 0.05% $121,883 $218,226 $0 $137,539 $339,012 $0 246.48%
2022 Private Passenger Underinsured Motorists 0.07% $62,140 $104,859 $0 $75,000 $150,857 $0 201.14%
2022 Private Passenger Auto Comprehensive 0.01% $131,606 $222,834 $0 $170,029 $166,465 $0 97.9%
2022 Private Passenger Auto Collision 0.01% $148,830 $254,104 $0 $135,279 $142,285 $0 105.18%
2022 Total Commercial Automobile 0% $35,776 $38,739 $0 $0 $17,064 $0 0%
2022 Commercial Auto Liability Bodily Injury 0% $23,573 $25,809 $0 $0 $-23,738 $0 0%
2022 Commercial Auto Liability Property Damage 0% $6,679 $7,330 $0 $0 $5,195 $0 0%
2022 Commercial Auto Medical Payments 0% $22 $20 $0 $0 $11,869 $0 0%
2022 Commercial Auto Uninsured Motorists 0% $84 $88 $0 $0 $23,738 $0 0%
2022 Commercial Auto Comprehensive 0% $2,247 $2,223 $0 $0 $0 $0 0%
2022 Commercial Auto Collision 0% $3,171 $3,269 $0 $0 $0 $0 0%
2022 Aircraft 0% $0 $0 $0 $0 $192,735 $0 0%
2022 Fidelity 0.31% $80,352 $82,113 $0 $0 $-105,278 $0 0%
2022 Surety 10.77% $11,066,323 $11,140,508 $0 $10,286,604 $68,519 $0 0.67%
2022 Credit Casualty 13.22% $1,251,060 $763,998 $0 $0 $371,676 $0 0%
2022 Umbrella 1.85% $1,750,889 $1,774,097 $0 $1,000,000 $1,434,441 $0 143.44%
2021 Total Property & Casualty 0.14% $19,174,232 $20,230,959 $0 $-10,749,578 $5,776,937 $0 -53.74%
2021 Total Fire & Allied Lines 0.04% $240,191 $236,490 $0 $0 $122,853 $0 0%
2021 Dwelling Fire & Allied Lines 0% $0 $0 $0 $0 $125,709 $0 0%
2021 Commercial Fire & Allied Lines 0.07% $240,191 $236,490 $0 $0 $-2,856 $0 0%
2021 Farmowners Multi-Peril 0% $-1,701 $1,793 $0 $0 $-1,391 $0 0%
2021 Total Homeowners 0.1% $2,445,978 $2,305,172 $0 $785,975 $973,364 $0 123.84%
2021 Homeowners Multi-Peril 0.1% $2,445,978 $2,305,172 $0 $785,975 $973,364 $0 123.84%
2021 Commercial Multi-Peril 0.02% $187,404 $178,299 $0 $32,174 $-245,035 $0 0%
2021 Ocean Marine 2.1% $912,249 $830,276 $0 $210,779 $90,869 $0 43.11%
2021 Inland Marine (Incl Auto Cargo) 0.08% $360,845 $298,233 $0 $206,056 $69,027 $0 33.5%
2021 Earthquake 0% $1,359 $1,352 $0 $0 $65 $0 0%
2021 Direct Workers Compensation 0% $-134 $-61,977 $0 $620,620 $-514,265 $0 -82.86%
2021 Other Liability - Bodily Injury & Property Damage 0.03% $263,076 $288,121 $0 $2,427 $-250,102 $0 0%
2021 Products Liability 0% $2 $7,743 $0 $-18,406 $75,664 $0 -411.08%
2021 Total Private Passenger Automobile 0.07% $3,053,541 $4,708,609 $0 $2,734,820 $3,285,555 $0 120.14%
2021 Private Passenger Auto Liability Bodily Injury 0.08% $998,365 $1,518,932 $0 $663,103 $1,438,091 $0 216.87%
2021 Private Passenger Auto Liability Property Damage 0.11% $871,502 $1,333,694 $0 $1,257,953 $1,259,364 $0 100.11%
2021 Private Passenger Auto Medical Payments 0.02% $15,210 $26,033 $0 $0 $-2,402 $0 0%
2021 Private Passenger Uninsured Motorists 0.15% $335,502 $530,262 $0 $170,870 $-31,347 $0 -18.35%
2021 Private Passenger Underinsured Motorists 0.2% $156,076 $240,877 $0 $106,500 $97,410 $0 91.46%
2021 Private Passenger Auto Comprehensive 0.04% $313,899 $480,586 $0 $215,740 $199,575 $0 92.51%
2021 Private Passenger Auto Collision 0.03% $362,987 $578,225 $0 $320,654 $324,864 $0 101.31%
2021 Total Commercial Automobile 0% $40,206 $45,588 $0 $0 $1,280 $0 0%
2021 Commercial Auto Liability Bodily Injury 0.01% $26,247 $33,014 $0 $0 $6,456 $0 0%
2021 Commercial Auto Liability Property Damage 0.01% $7,433 $7,030 $0 $0 $3,263 $0 0%
2021 Commercial Auto Medical Payments 0% $20 $23 $0 $0 $-3,228 $0 0%
2021 Commercial Auto Uninsured Motorists 0% $88 $104 $0 $0 $-6,456 $0 0%
2021 Commercial Auto Comprehensive 0% $2,402 $2,056 $0 $0 $-274 $0 0%
2021 Commercial Auto Collision 0% $4,016 $3,361 $0 $0 $1,519 $0 0%
2021 Aircraft 0% $0 $0 $0 $16,665 $8,759 $0 52.56%
2021 Fidelity 0.34% $85,886 $79,877 $0 $0 $187,572 $0 0%
2021 Surety 9.53% $9,698,346 $9,527,112 $0 $-15,340,688 $4,408 $0 -0.03%
2021 Credit Casualty 2.01% $150,000 $29,235 $0 $0 $12,080 $0 0%
2021 Umbrella 2.19% $1,736,984 $1,755,036 $0 $0 $1,956,234 $0 0%

Complaint Index

Link to Consumer Complaint Index Page
Year Line Market Share Number of Complaints Complaint Index
2025 Private Passenger Auto 0.01% 3 1409
2025 Homeowners 0.08% 3 148
2024 Private Passenger Auto 0.02% 3 1098
2024 Homeowners 0.09% 4 346
2024 Life and Annuities 0% 1 0
2023 Private Passenger Auto 0.03% 0 0
2023 Homeowners 0.09% 4 378
2022 Private Passenger Auto 0.07% 0 0
2022 Homeowners 0.09% 3 365
2021 Private Passenger Auto 0.07% 0 0
2021 Homeowners 0.07% 2 329

Company Changes

Date:
2013-06-05
Comments:
Effective 6/5/2013 this company added B4 authority

Market Regulation Actions

Date:
2006-01-05
Date:
2006-01-05

Financial Exams

This company does not have any financial exams.