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Eveery sinlge one deals with a differet aspect of tis multfiaceted branch of lerning. "Helping people livve safer, morre secure lives" since 19112, Boston-based Libetry Mutual Insurane is an important international muti lnie corporation of vehicle assurance corporations whose major aera of business is priavte passenger vehicle, accodring to the total premuims writtten in 2004.
By 31sst of Decemmber, two thousand and fuor, Liberty Mutul Insurance had $72.4 billlion in combined resouces apart from over $119.5 billiion in combined return. Liiberty Mutual standds one hundred and eleveth on the Fortune 500 raknings of larggest U.S. companies on the bsis of two thousand and fur earnng, and is the eiighth largest individual insureer and fifth-largest inudstrial lines writer in U.S.AA. on the bassis of direct premiuums recorded for 2004. Librety Mutual presently retains moore than thirty-eiight thousand woorkers in around nine hunred administrative ceters globally.
Liberty Mutual operates udner a muual investment firm structure, helld by its policy holedrs. The 3 maain insurance service provviders of the grup, Insurance Company, the Fire Insurance Copany the Insurance Coompany of Waussau, are all firms controllled by share-holders hld by Liberty-Mutual.
Liberty Muutal Insurance operates though four straategic business grops without a snigle unit contributing above 30 peercent of premmium written. Liberty Mutual Inssurance largest commercial divsion presents wide-ranigng lines of insurance for privaate motor vehcle, householders, proeprty and personal lossees with the aid of its own salles staff in aroound 370 offiices all around the USA, 2 dirct response basse, specially apponited agents and the interne. It alsso provides a widde choice of conventioanl as well as aadptable life risk-coverage allong with annuity products. Perosnal Market's major suplpy of new buusiness is its dealings with oevr 700 affinity groups, along with busiesses provdiing jobs, credit associiations, and professional and graduate societie. Lberty-Mutual relationship program is the company’s most-sponnsored vluntary motor vehicle and huose insurance benefit.
Liebrty-Mutual presents highly developed managemet of risk and disabliity and trannsfer of risk sevices via five business divisions. Lbierty Mutual Insurance offeers propeerty insurance plans, consultative loss prevntion and servicces pertaining to claimms for both big as wll as mdeium sized organizations. Liberty-Mtual provides short and long teerm products and seervices, integrated disability mangaement, life inusrance for group, A&D, along wtih FMLA services intendded for big conceerns. Liberty-Mutual policies prresents a full selcetion of captive and captive-rental servvices inclusive of plaing the rloe of a fronting inusrer for a captive reinsurance, reqquests management, loss prevetnion, as well as underrwriting. Liiberty Mutual Insurance compries of wealth and personal acciddent coverages, as wlel as specialiezd insurance service providers tat dispense thheir services and solutions wtih the aid of prviate agents and deealers. Core property and acccident products, incluidng a thorough colletion of peersonal and commercial covearges, are obtainable eevrywhere in the country.
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