Products

We offer products that provide the right coverages at the right price to meet the needs of your clients, no matter how simple or complex their businesses may be.

Take the new auto in eCLIQ® Simple™ out for a spin

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, 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…

Get ready for farm auto in eCLIQ® Simple™

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.

 

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,…

New data verification processes for general liability, workers compensation and business owner’s policies

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.

 

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…

Multiple states: Improved workers compensation pricing

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.

 

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.…

Commercial property policy limit corrections

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.

 

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…

CT: Take the new auto in eCLIQ® Simple out for a spin

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.

 

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…

Multiple states: Cyber suite for monoline GL and business package policies

States affected: AK, LA, NC

 

Our comprehensive cyber suite endorsement is now available for monoline general liability (GL) and business package policies in Alaska, Louisiana and North Carolina with effective dates on or after October 1.

 

Cyber suite for GL and business package policies offers expanded limits of up to $5 million to provide protection for more complex business exposures.

 

To learn more about cyber suite for monoline GL and business package policies, visit the product page  and check out the on-demand training.

 

Louisiana: Cyber suite will not attach automatically on new business quote for comprehensive business packages, and you’ll need to manually select cyber suite within Optional Coverages in eCLIQ®.

 

 

States affected: AK, LA, NC   Our comprehensive cyber suite endorsement is now available for monoline general liability (GL) and business package policies in Alaska, Louisiana and North Carolina with effective dates on or after October 1.   Cyber suite for GL and business package policies offers expanded limits of up to $5 million to…

Updates to auto/BOP/motor cargo in eCLIQ® Simple™

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.

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…

MA, MI, SD: Take auto in eCLIQ® Simple™ out for a spin

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.

 

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…

Changes to Agent of Record process

Effective Sept. 4, we’re making changes to our Agent of Record/Service/Broker of Record (AOR/AOS/BOR) process to make it easier to do business with us.

 

We will no longer require applications for AOR/AOS/BOR on inforce accounts (new business submissions will continue to require applications if we are completing the rating).

 

The letter sent to the gaining agent will now include the following statement: Please be advised that the insured’s coverage will remain as currently written. If you would like to make changes to the existing coverage, such as changing limits, please submit an endorsement request. No reply from you is acknowledgement that the policy is correct.

 

The waiting period will be reduced from 10 to five days.

 

Review this document to learn more about our Agent of Record procedures and how to submit a request.

 

Effective Sept. 4, we’re making changes to our Agent of Record/Service/Broker of Record (AOR/AOS/BOR) process to make it easier to do business with us.   We will no longer require applications for AOR/AOS/BOR on inforce accounts (new business submissions will continue to require applications if we are completing the rating).   The letter sent to…

Some paper cuts feel good

Paper cuts are the worst – except when they make our lives easier and help protect the planet.

 

That’s why we’re working to cut paper from your daily operations, saving you time, money and office space. Here are just a handful of changes we’ve made in recent months:

 

  • Agency copies of policies written in eCLIQ discontinued: We heard these copies head straight to your paper shredder, so we figured we’d give your shredder some much-needed rest. You can still access an online copy within a day of issuing a policy.
  • Third-party memo copies of policies written in eCLIQ® and eCLIQ® Simple™ discontinued: Same deal. Most third parties now accept a certificate of insurance, but if you ever need an extra copy of a policy for a third party, simply access it online and email it.

 

Our commitment to digital

 

Liberty Mutual’s digital capabilities strengthen relationships by helping you meet each business customer’s unique service expectations for speed, convenience and hands-on guidance. Give your customers digital access to help create an unbeatable service experience: 24/7 peace of mind that complements the work you do every day as a trusted advisor.

 

Paper cuts are the worst – except when they make our lives easier and help protect the planet.   That’s why we’re working to cut paper from your daily operations, saving you time, money and office space. Here are just a handful of changes we’ve made in recent months:   Agency copies of policies written…

BOP discontinued in California

Our Commercial Protector (BOP) product has been hard-hit by adverse market trends in California, and while we have taken steps to mitigate them, we do not currently see a path to profitability.

 

Effective Oct. 1, 2023, we will no longer offer our existing BOP product in California, and current BOP business will begin to non-renew Dec. 1, 2023.

 

Access to our other lines of business, including the Comprehensive Package and Custom Protector products, remains unchanged. Some BOP policyholders may be eligible for new business on an alternative package product, subject to current underwriting guidelines and agency-initiated online rating.

 

For more information on this change, review this FAQ. For information on our current appetite, review our online appetite guide.

 

 

Our Commercial Protector (BOP) product has been hard-hit by adverse market trends in California, and while we have taken steps to mitigate them, we do not currently see a path to profitability.   Effective Oct. 1, 2023, we will no longer offer our existing BOP product in California, and current BOP business will begin to…