Claims

We’ve identified a link between early reporting for liability claims and better financial outcomes. Delays in reporting typically will cause other delays in the claim investigation that can drive up the overall cost of the claim. That’s why it’s critical that claims are filed as soon as possible following a loss.

What you can do to help

About 80% of small commercial claims are reported by agents. This puts you in a unique position to help reduce costs by educating your policyholders about the importance of filing a claim as soon as possible.

Explain to them that the sooner a claim is submitted, the sooner we can start a thorough investigation and reach a better financial outcome. Conversely, the longer your customer waits to report, the more likely it is that key evidence, such as witness statements or dash cam videos, may be lost forever, negatively impacting liability and the chance to pursue subrogation.

As their trusted advisor, further explain to customers that concerns about a perceived increase to premium should not discourage them from discussing a claim with you. Many factors are considered by underwriting during rate and renewal decisions, and early collaboration between policyholders, your agency and the claims team leads to better outcomes for everyone.

Reporting a claim has never been easier

You have three ways to report a new general liability claim 24/7:

1. File online using the Liberty Mutual® agent portal. This is the most efficient method because it immediately gives you a claim number you can use to upload invoices, a police report and other supporting documents.
2. Submit a claim via email.
3. Call 1-844-325-2467.

Discover more claims tips, resources and information.

Whether it’s a burst pipe or a leak in the roof after a heavy rain, a water loss can be a disruptive event for your clients. That’s why we’ve made enhancements to the small commercial water mitigation vendor program to deliver an even better customer and agent claims experience.

Partnerships

In order to provide better coverage and more capacity for water mitigation services, we’ve added a new vendor partner – Alacrity Solutions. A third-party administrator for water mitigation vendors, Alacrity Solutions provides oversight for a network of more than 2,500 independent operators and franchise-based services across the country, many of which are locally owned, community businesses. You can reach a representative from Alacrity Solutions by calling 888-291-7508.

We continue to work with our existing partner, Paul Davis Restoration, too. A franchise-based provider offering water mitigation and insurance contracting services since 1966, Paul Davis Restoration provides nationwide coverage through more than 300 offices across the country. You can reach a representative from Paul Davis Restoration by calling 844-865-0334.

For your clients’ water mitigation needs, please reach out to Alacrity Solutions or Paul Davis Restoration directly.

Why recommend a preferred Emergency Mitigation Services (EMS) vendor?

Partnerships with program vendors ensure a mutual commitment to taking care of our customers in a timely, cost-effective and professional manner. In addition, we provide a greater service to our customers when we can recommend a professional EMS company that helps them get back in business sooner.

Refer a local water mitigation provider

With the addition of Alacrity Solutions as a preferred program vendor, we are now accepting referrals for qualified local water mitigation service providers. Referrals will be screened to ensure the vendor meets the high standards set by both Liberty Mutual and Alacrity Solutions. If a vendor meets the qualifications for the program, the vendor may be added to the list of program participants under Alacrity Solutions. To refer a water mitigation service vendor, please email vendormanagementclaims@libertymutual.com with the contractors’ information.

When making loss runs report requests, please ensure you are emailing BusinessLinesRequests@LibertyMutual.com. This also applies to general inquiries, endorsements, cancellations, and mid-term and renewal quote requests.

Many agents have been sending these requests to LossRuns@LibertyMutual.com, which does not process small commercial requests. Sending your requests to the proper mailbox helps ensure that they are processed quickly and accurately.

Liberty Mutual Insurance wants to help customers get back on their feet quickly after a loss. That’s why, after we pay a claim, our subrogation team investigates liability and pursues at-fault third parties. Successful subrogation can protect a customer’s loss history and could result in the partial or full recovery of their deductible. While every claim is unique, we’ll work with your customer to recover as much of the loss as possible.

See for yourself how our small business subrogation team helped recover $57.5 million in paid losses in 2019*.

*Based on Liberty Mutual internal data, 2019.

At Liberty Mutual Insurance, we not only work hard to address injuries, but also advocate for your clients’ injured workers. That’s why we want to bring as much care as we can as close to them as possible. Through familiar technologies — like smartphones, laptops or desktops — telemedicine offers injured workers rapid access to many of the healthcare and rehab services they need, right from the comfort of their home or workplace. No traveling, less waiting — and a lot more convenient. Telemedicine means treatment at any time, including holidays, weekends and late nights. Share this new offering with your clients today.

For more than 100 years, we’ve been helping injured workers return to work and assisting employers in managing workers compensation (WC) claims costs. As a result, we close WC claims 16% faster and at a 16% lower cost than major competitors¹, all while delivering superior customer experiences. See for yourself how we continue to provide better claims outcomes.

And don’t forget about our upcoming eCLIQ^® WC commission incentive! Starting January 1, 2020, you’ll earn 12% commission on WC qualifying new business for the first $15,000 of the policy’s premium.² Just quote in eCLIQ from January 1 through June 30, 2020.

¹Results are determined during 7/1/2017 analysis using calendar year data incorporating most recent Schedule P filings valued as of 12/31/2016. Average cost based on a 5-year ultimate average.

²Qualifying new business includes all WC policies written through eCLIQ and quoted 1/1/20 through 6/30/20. During the incentive period, you will receive 12% commission for the first $15,000 of policy premium and your standard WC commission for any additional premium above $15,000. WC policies placed in our Sales and Service Center are subject to the fee structure as defined in your Liberty Mutual Small Business Sales or Service Center Agreement.

In January 2019, we introduced a new small commercial claims number to better serve you and your clients. Call us any time 24/7 to report a claim at 844-3-CLAIMS (1-844-325-2467). Please update our number in your agency and share with your clients today.

In the aftermath of California’s deadliest wildfire, Liberty Mutual/Safeco and independent agents came together to bring relief and deliver peace of mind to our mutual customers. See how independent agents opened their doors to our claims teams and partnered with us to start helping the Paradise, CA community rebuild their homes, businesses and lives.

Share this story to help spread the word about how Liberty Mutual/Safeco and independent agents team up to take care of our mutual customers when they need it most. Visit SocialShare to easily post the video on your social media channels.

As California’s deadliest wildfire ravaged the small town of Paradise, independent agents were there to support their clients and community, even though they themselves were impacted both personally and professionally. Thank you, independent agents, for your heartfelt response and delivering peace of mind to our mutual customers when they need it most.

Share these stories of agents in Northern California to help spread the word about the value of independent agents everywhere. Visit SocialShare to easily post the video on your social media channels.

As many as 1 in 4 patients who are receiving long-term opioid therapy in a primary care setting struggle with opioid addiction according to the CDC. Liberty Mutual is working with employers to better manage opioid challenges in workers compensation claims to help create better outcomes for injured workers. Find out how.

2017 was a record year for weather related losses. Three events resulted in more than $100 billion in damages.  Watch how Liberty Mutual employees and independent agents worked together to help businesses recover.

Agents and brokers around the country are saying “This reporting system is fabulous!”, “very user friendly” and “LOVE THIS!” They are all talking about our online claim reporting tool launched earlier this year on Agents’ Portal. Find out how you can report claims faster, gain instant access to a claim number, and avoid duplicate entry in your agency management system.