Newsbrief Archive

In response to agent feedback, Address Analyst is now accessible from the Tell us about the customer section of the eCLIQ main menu.

Address Analyst is a tool you can use prior to quoting to see if a specific risk with a California address is in a wildfire zone. To use it, select the effective date from the calendar, enter the California address and click Search. You’ll get immediate results including underwriting hazards and requirements to quote.

Affected states: AL, AZ, CO, GA, IA, ID, IL, IN, MD, MI, MO, MS, MT, NE, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, WI, WV, and WY

You can now quote farm auto in eCLIQ Simple – and enjoy the benefits of enhanced pricing segmentation, flexible coverages and a much faster, easier quoting experience.

If you haven’t already, sign up for one of our two remaining instructor-led webinars – taking place today and Nov. 30. Learn more about auto in eCLIQ Simple by visiting the product page on the agent portal.

We’re committed to providing you and your clients with easy access to billing specialists over the phone, and through our robust self-serve capabilities. Here are two ways to connect with us to get what you need.

1. Call us at 844-961-0334

You and your customers can get the status of billing accounts or make a payment 24/7. And between 8 a.m. and 8 p.m. Eastern, billing specialists are available to help with a variety of questions and tasks including:

• Account status
• Auto pay (add, update, remove)
• Adding mortgagee
• Breakdown explaining minimum due
• Pay plan changes
• Payment
• Reinstatement
• Refund/check

2. Log onto the Liberty Mutual agent portal

The portal gives you access to a variety of self-service options including:

• Updating financial data for automatic payments
• Making online payments
• Viewing and printing electronic copies of notices
• Updating payment plan
• Seeing customers critical status via an agent dashboard
• Viewing, downloading and printing commission statements
• Accessing billing forms, manuals, payment plans, FAQs and other resources

And remember the My Business Online policyholder portal gives customers 24/7 access to their accounts. Through our self-service portal, policyholders can pay bills, access policy information, complete premium audits, check the status of claims, print certificates of insurance and more.

Doing business with us is even easier with eCLIQ Simple. Check out these recent changes:

• Today, in order to add Hired and Non-Owned Auto (HNOA) coverage for a BOP customer in eCLIQ Simple (when the primary risk state is Utah), you need to add a separate auto policy.
• Now you can add a separate HNOA policy in eCLIQ Simple directly from within your BOP quote, providing a seamless experience when customers need to add this coverage!

Learn more about these changes and more.

Affected states: AL, WV

Give commercial auto clients the right coverage at the right price. Our new commercial auto product offers enhanced pricing segmentation, flexible coverages and a much faster, easier quoting experience. What’s more, expanded eligibility allows you to quote most commercial auto risks in eCLIQ Simple!

You’ll find our pricing most competitive when writing business with the following risk characteristics:

• Retail, general/health/professional services, real estate, food manufacturing and carpentry industries
• Well-established businesses (10+ years)
• Older vehicles (15+ years)*
• Drivers age 40+ without violations
• Quotes with heavily populated driver lists, preferably with at least as many drivers on the policy as there are power units
• Claims-free businesses
• Smaller fleets with 1-4 power units
• Quotes with multiple lines of business (vs. monoline)

*Older vehicles typically have lower repair costs and lower annual mileage than new vehicles.

Learn more about auto in eCLIQ Simple by visiting the Agents’ Portal.

Note that, with the launch of auto in eCLIQ Simple, we’ve discontinued the legacy auto product we’ve offered in the eCLIQ platform. You are currently only able to quote new commercial auto business in eCLIQ Simple. This change only applies to new business and does not affect existing policies.

Affected states: AL, AZ, CO, GA, IA, ID, IL, IN, MD, MI, MO, MS, MT, NE, NM, NV, OH, OK, OR, SC, SD, TN, TX, UT, WI, WV, and WY

You can now quote farm auto in eCLIQ Simple – and enjoy the benefits of enhanced pricing segmentation, flexible coverages and a much faster, easier quoting experience.

Learn how to quote farm auto in eCLIQ Simple by taking one of our instructor-led webinars Nov. 16, 28 and 30.

In the coming weeks, we’re introducing new verification processes for certain post-bind and in-force policies.

General liability and workers compensation classification verification
In 2021, we launched a classification verification process for in-force business owner’s policies (BOPs). We’ll be expanding that process to in-force and new business GL and workers comp policies by validating class codes and exposures. Policies with inaccurate classifications and/or exposures will be corrected effective as of their renewal dates or backdated to the new business inception date if flagged during the underwriting period. In some states and in some circumstances, we may need to cancel the policy and rewrite it.

BOP business personal property coverage verification
We’ll be reviewing certain BOPs to ensure they provide adequate limits for business personal property. If we determine a BOP policy carries insufficient business personal property coverage, we may increase the limits. If one of your client’s policies is impacted, we will contact them directly with next steps. Customers who rent space or have small home-based businesses can request to keep lower limits.

Why it matters
When we use inaccurate data to rate policies and make underwriting decisions, our premiums become misaligned with risk profiles, which stifles growth and drives premium increases at renewal. That’s why it’s important to collect accurate data when quoting a policy.

With your help, we can stabilize rates to provide a better experience for your clients and help grow your book. Take our new on-demand risk classification training on how to classify risks properly and avoid common errors. Remember to use our Package/Product Determination Tool to route you to the best product fit, and ensure accuracy by providing a detailed description of operations in each quote.

Learn more about the steps we’re taking to achieve rate stability and a better customer experience with accurate data.

States affected: AZ, FL, IA, ID, NJ, NY, PA, VA, VT, WI

We recently updated the model we use to assess and price risk for workers compensation in an effort to price these risks more accurately. The new pricing model will apply to new business policies with effective dates on and after Nov. 17.

In certain industries – health care, information, professional science and technology, for example – you’ll find our pricing more competitive. Business with preferred risk characteristics will see more favorable rates. Preferred risk characteristics include:

• Policies quoted more than 11 days prior to their effective dates
• Policies with fewer unique class codes and locations
• Policies with low auto exposure
• Claims-free policies
• Policies that are part of a package

Take this opportunity to grow your book with high-quality workers compensation business. Learn more about the product on the workers compensation page on the agent portal.

The limit a client selects for a property policy should offer enough coverage to repair or replace a covered building in the event of a significant loss. If the limit is too low, a client could end up with uninsured expenses and pay out of pocket to return the building to its pre-loss condition. Based on the known characteristics and locations of their properties, some clients have in-force policies with limits less than the estimated replacement costs of their covered buildings. To ensure these policyholders have appropriate coverage, we are starting to correct these policies with appropriate limits at renewal.

Refer to the insurance to value resources for information on how to insure to value, a handout you can share with customers and more.

Doing business with us is even easier with eCLIQ Simple. Check out these recent changes:

• The eCLIQ Simple application continues to be enhanced, making it easier for you to navigate the platform and quote new business with Liberty Mutual.
• When adding a new vehicle (PPT, light truck, or medium truck) you will see a new underwriting question display within the Vehicle Information modal asking about the vehicle’s usage.

Learn more about these changes and more.

Give commercial auto clients the right coverage at the right price. Our new commercial auto product offers enhanced pricing segmentation, flexible coverages and a much faster, easier quoting experience. What’s more, expanded eligibility allows you to quote most commercial auto risks in eCLIQ Simple!

You’ll find our pricing most competitive when writing business with the following risk characteristics:

• Retail, general/health/professional services, real estate, food manufacturing and carpentry industries
• Well-established businesses (10+ years)
• Older vehicles (15+ years)*
• Drivers age 40+ without violations
• Quotes with heavily populated driver lists, preferably with at least as many drivers on the policy as there are power units
• Claims-free businesses
• Smaller fleets with 1-4 power units
• Quotes with multiple lines of business (vs. monoline)

*Older vehicles typically have lower repair costs and lower annual mileage than new vehicles.

Learn more about auto in eCLIQ Simple by visiting the Agents’ Portal.

Note that, with the launch of auto in eCLIQ Simple, we’ve discontinued the legacy auto product we’ve offered in the eCLIQ platform. You are currently only able to quote new commercial auto business in eCLIQ Simple. This change only applies to new business and does not affect existing policies.

In response to agent feedback, effective Sept. 29 we will stop printing and mailing the Policy Claim Report, which contains loss run information. Going forward, access loss run reports online. Online reports ensure you have the most accurate, up-to-date claim information at your fingertips and reduce the expense of managing paper. To access the reports from the Liberty Mutual^® agent portal, click the My customers tab, look under Claims resources, then click Loss runs.