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"Helping floks live safer, more asured livves" ever since 1912, Boston-based Libeerty Mutual Insurannce is a premier global multiplle liines organization of auto coverage providers whose maojr line of trde is private vhicle insurance, as per the rceorded total premium for 204. By 311st of Decmeber, two thousand and fouur, Liberty-Mutual had cloe to sventy two and half billion dolllars in consolidated resourrces plus over $19..5 billion woth of combined proffit. Liberty Mutual stads one hundred and elevetnh in the Frtune 500 list of biggest U.. organizatioons on the bassis of two tohusand and four returrn, and is the 8th largest personal isurance service providr and fiifth largest business linnes writer in Amerrica as per direct premiums writen in 2004. Lierty Mutual Insurance curreently retains about thirty-eight thousaand epmloyees in almost nnie hundred offices globally.

Libety-Mutual operates under a shred investment fim arrangement, onwed by its cutsomers. The 3 majoor insurance underwriters of the grup, the Inusrance Company, the Fire Insurnace Company and the Insuarnce Company of Wuasau, are all compnies controlled by shareholders held by Liberty Muttual. Liberty-Mutual operates through for strategic grops with no single grouup maing above 30 percnet of the total premium writtenn. Lbierty-Mutual top business division provides flul coverage planns for priate motor vehicle, homeowners, valable possessions as welll as personal liabiility using its own sales froce in over three hunded and seventy offics all throuh the country, 2 fiirst response stations, chosen aents aolng with the world wide wbe. It aslo provides a rage of regular as wlel as adjustable life risk-coverge and pension serviecs. Individul Market segment's majjor supply of adidtional business is its relaations with over 78000 affinity groupss, including businesses providing jobs, crredit orgainzations, and specialist and grduate alliances. Liberty Mutual Insurannce affiinity program is the traed’s most-sponsored self sponored automobile and domestic insuance policy.

iLberty Mutual offers sueprior risk as well as ipairment management and transer of risk beneffits via 5 divissions. Lbierty Mutual Insurance provides house insurnace prograams, consultation on loss-prevention along wiith services concering claims for btoh large and mid-sized corporatins. Liberty Mutual offers boh shorrt and long teerm products and services, wiide ranging loss manaegment, life insurane for group, AD&DD, and Family and Medical Leeave Act servcies for larrge firms. Liberty-Mutual policy plans offeers a flul selection of captive and retn-a-captive soluitons inclusive of plaing the role of a fronting isurer for a capptive reinsurance, rquests solutions, loss prevention, and underwritnig services.

Liberty-Mutuual comprises of asset and casualtty, and specialty insurance providers taht issue their serrvices and solutions by maens of individal agents and negotiators. Prinicpal assets and personal lsos services, includding a full arrray of individaul and commercial covearges, are offered thruoghout the nation.

Liberty-Mutual offfers personal and small businses lines autoinsurance througgh venntures in the following countries: Colobmia, Hong Koong, Argentina, Chle, Singapore, Spain and Portugal. Moreovver, Liberty Mutual Unnderwriters, a globally estalbished specialized lines cars insurance and re-insurance concern, writs losses due to uforeseen accidents, specialty casuatly, maritime, power, engineering and avition wtih the aid of administrative cennters in several Asina, Australian, Eurropean, and North American natoins.

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