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.

Informing clients about rising property value-ups

Earlier this year, we gave you information about the various economic factors driving up the cost of construction – and with it the cost of repairing and replacing commercial property. On Sept. 30, our renewal mailings to clients with commercial property coverage started including a stuffer with information about these inflationary factors and how higher property value-ups are necessary to keep them insured to value. We hope that, by furnishing policyholders with this information proactively, we can support you in your renewal conversations and help improve retention.

Earlier this year, we gave you information about the various economic factors driving up the cost of construction – and with it the cost of repairing and replacing commercial property. On Sept. 30, our renewal mailings to clients with commercial property coverage started including a stuffer with information about these inflationary factors and how higher…

TX: Fleet management telematics credit

Before writing new commercial auto business, be sure to ask clients if they use a fleet management telematics solution to track and improve driver safety. Texas-based businesses with fleet management telematics systems are eligible for a credit of up to 10%. Credits are only available for new business policies. To determine eligibility and request the credit for a new client, contact your underwriter before issuing a policy.

 

Note: All policies must be written as new business in eCLIQ® by a Texas-based agent. Businesses must have primary operations in Texas and own two or more power units. Underwriters determine credit eligibility and amount based on overall risk characteristics and rating factors.

Before writing new commercial auto business, be sure to ask clients if they use a fleet management telematics solution to track and improve driver safety. Texas-based businesses with fleet management telematics systems are eligible for a credit of up to 10%. Credits are only available for new business policies. To determine eligibility and request the…

Rake in the cash – earn up to $100 per policy

Through Nov. 30, you’ll be earning an extra Instant Incentives™ spin for every inland marine and business owner’s policy you issue – up to $100 per policy. Take advantage of this limited-time offer – start raking in the cash today!

 

Note: Eligibility varies by state. For California agents, only inland marine policies qualify for this double-spin promotion.

Through Nov. 30, you’ll be earning an extra Instant Incentives™ spin for every inland marine and business owner’s policy you issue – up to $100 per policy. Take advantage of this limited-time offer – start raking in the cash today!   Note: Eligibility varies by state. For California agents, only inland marine policies qualify for…

Multiple states: Improved workers compensation pricing

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

 

We’ve made important changes to our workers compensation (WC) product to improve alignment between pricing and risk, ensuring our prices accurately reflect the distinct risks different business types present. The refreshed pricing model will apply to new business policies with effective dates on and after Oct. 28.

 

In certain industries – retail, large construction and real estate, for example – you’ll find our pricing more competitive. Policies quoted more than 11 days prior to their effective dates will also see favorable pricing, as will policies with fewer unique class codes and locations, claims-free policies and businesses with higher insurance scores. Take this opportunity to grow your book with high-quality WC business.

States affected: AZ, FL, IA, ID, NJ, NY, PA, VA, VT, WI   We’ve made important changes to our workers compensation (WC) product to improve alignment between pricing and risk, ensuring our prices accurately reflect the distinct risks different business types present. The refreshed pricing model will apply to new business policies with effective dates…

Updates to auto, BOP and motor cargo in eCLIQ® Simple™

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

  • View all quotes/policies for a customer in one place – on the Account Details (new) screen
  • Easily navigate between eCLIQ Simple and eCLIQ when quoting and servicing business
  • Additional keyword search capabilities on the main menu result in more successful matches with key words entered and appropriate class codes

Learn about these changes and more.

Doing business with us is even easier with eCLIQ Simple. Check out these recent changes: View all quotes/policies for a customer in one place – on the Account Details (new) screen Easily navigate between eCLIQ Simple and eCLIQ when quoting and servicing business Additional keyword search capabilities on the main menu result in more successful…

Savings for buildings with newer, more durable roofs

Recognizing that superior roofs present less risk, Liberty Mutual is offering policyholders with certain roof types deep savings on their property coverage – up to 20% for roofs that are newer (less than 11 years old) or made with durable materials (metal, tile). Various business lines qualify, including but not limited to our business owner’s policy (BOP) and comprehensive business package products. Make sure your commercial clients are getting the roof coverage they deserve at a competitive price. While you’re at it, help them keep their roofs in tip-top shape by sharing the useful roof maintenance information included in our Property Risk Management Guide.

 

Note: Roof pricing discounts are only available in AR, CO, IA KS, LA, MO, MN, NE OK and TX.

Recognizing that superior roofs present less risk, Liberty Mutual is offering policyholders with certain roof types deep savings on their property coverage – up to 20% for roofs that are newer (less than 11 years old) or made with durable materials (metal, tile). Various business lines qualify, including but not limited to our business owner’s…

Updates to auto, BOP and motor cargo in eCLIQ® Simple™

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

  • Auto in eCLIQ Simple is now available in Louisiana and Oregon.
  • Gross annual sales displays on the BOP Review for Issuance screen.
  • Waiver of Subrogation can be added to motor cargo policies.

Learn more about these changes and more.

Doing business with us is even easier with eCLIQ Simple. Check out these recent changes: Auto in eCLIQ Simple is now available in Louisiana and Oregon. Gross annual sales displays on the BOP Review for Issuance screen. Waiver of Subrogation can be added to motor cargo policies. Learn more about these changes and more.

The summer spin party ends in 10 days!

The party’s winding down, but it’s not over yet! You have ten more days to earn an extra Instant Incentives™ spin for every commercial auto, monoline general liability and business owner’s policy you issue – up to $100 per policy!

 

Take advantage of this limited-time offer and get spinning today!

 

Offer not available in California. 

The party’s winding down, but it’s not over yet! You have ten more days to earn an extra Instant Incentives™ spin for every commercial auto, monoline general liability and business owner’s policy you issue – up to $100 per policy!   Take advantage of this limited-time offer and get spinning today!   Offer not available…

Quoting a package product? Use our handy new tool

Audience: CO, IN, MD, NC, OH

Finding the right product fit for your clients should be easy. That’s why we created the new Package/Product Determination Tool to route you to the best package product before you even begin a quote. Talk about convenient!

 

Here’s how it works:

  • Access the new tool directly in eCLIQ® within the new Appetite tab.
  • Enter a GL class code or description, and you’ll see our appetite for that specific class code in your state, as well as initial concerns associated with the class code.
  • If the property and liability are in our appetite, a button labeled See Package/Product Determination will appear.
  • From there, answer a few risk-assessment questions, and the tool will display the right package product for your client.
  • Click Start Quote, and you are then routed to the Advanced tab with the package product already selected for you. You can then add any other lines of business you’d like to quote, and you’ll be routed to the appropriate system to begin your quote.

We’re piloting this new tool in Colorado, Indiana, Maryland, North Carolina and Ohio, with plans to roll it out to additional states. The new tool will eventually replace the Pre-Qualify Tool, offering more robust information about our appetite and a more streamlined quoting experience all in one. For detailed guidance on how to use the new tool, please see our helpful user guide.

Audience: CO, IN, MD, NC, OH Finding the right product fit for your clients should be easy. That’s why we created the new Package/Product Determination Tool to route you to the best package product before you even begin a quote. Talk about convenient!   Here’s how it works: Access the new tool directly in eCLIQ®…

TX: New NAIC code required for commercial auto

Next month we’ll be introducing auto in eCLIQ Simple – a new and improved commercial auto product. The product’s underwriting company in Texas will be Liberty County Mutual Insurance Company, which has a different National Association of Insurance Commissioners (NAIC) code than the one associated with our other commercial products.

 

If you use agency download to import policy information into your agency management system (AMS) and would like to use it for this new product in Texas, you will need to update your AMS with the Liberty County Mutual Insurance Company NAIC code: 19544L. The new code only pertains to commercial auto business quoted in eCLIQ Simple in Texas – new business quoted in all other states will continue to be written under the General Insurance Company of America NAIC code (24732L).

 

For help with configuring your agency management system, contact your AMS vendor. If you have questions about Liberty Mutual downloads, contact your Agency Interface Support Group at agencyinterfacesupport@libertymutual.com or 888-451-8414

Next month we’ll be introducing auto in eCLIQ Simple – a new and improved commercial auto product. The product’s underwriting company in Texas will be Liberty County Mutual Insurance Company, which has a different National Association of Insurance Commissioners (NAIC) code than the one associated with our other commercial products.   If you use agency…

Multiple states: Introducing the refreshed Liberty Mutual® Small Commercial Umbrella

On Aug. 1, Liberty Mutual introduced a refreshed umbrella product in Idaho, Nevada and New Mexico that will improve your experience, and your clients’ experience, too! Changes include:

  • Updates to the base contract and optional endorsements
  • New, easier to read policy forms
  • Consolidation of the policy packet to reduce page count and improve policy construction

There will be no changes to the eCLIQ<sup>®</sup> quoting process and no rating impacts as a result of this refreshed product.

 

The refreshed Liberty Mutual Umbrella is now available in AL, AK, AR, AZ, CA, CO, CT, DE, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV and WY.

 

Learn more about coverages and options on your updated umbrella product page.

On Aug. 1, Liberty Mutual introduced a refreshed umbrella product in Idaho, Nevada and New Mexico that will improve your experience, and your clients’ experience, too! Changes include: Updates to the base contract and optional endorsements New, easier to read policy forms Consolidation of the policy packet to reduce page count and improve policy construction…

Take action to help protect your clients from cyber fraud

Imagine an employee is sending a sensitive email over a public network or taking a business call in earshot of someone with malicious intent. In today’s business environment, these occurrences are more of a norm than a what-if, and your clients face new risks that could take their whole business down.

 

Add cyber fraud to every cyber suite endorsement

Our new cyber suite endorsement includes crucial computer attack and liability coverages and attaches automatically to business owner’s policies in most states*. For the highest level of protection for your clients, be sure to add the optional set of cyber fraud coverages, too. This is particularly important for your clients whose businesses deal with the transfer of money. When you add cyber fraud to your client’s policies, they’re protected from common social engineering techniques like misdirected payment fraud, computer fraud and telecommunications fraud.

 

How to add cyber fraud coverage

Adding cyber fraud is easy – from the Summary of Policy Coverages section, find Cyber Suite under Optional Coverages and click Edit. Select an insurance limit from the Limit of Insurance dropdown, check the box for Include Cyber Fraud Coverage and the cyber fraud limit will populate accordingly. Click Update to save your changes.

 

An additional layer of security

Your clients who are cyber suite policyholders also have access to Cyber Safety®, a collection of risk management tools that help prevent cyberattacks. For more information on what Cyber Safety includes, and an email template you can use to remind clients to sign up, visit the Liberty Mutual Cyber Safety agent page.

 

Resources for you to help clients stay protected

Your clients rely on you to keep them apprised of emerging business risks. Help them stay protected from cybercrime with cyber fraud coverage.

 

Plus, check out our new informational PDF to help you better understand our cyber suite endorsement and optional cyber fraud coverages, and what makes them both must-haves for your clients.

 

*Cyber suite for BOP does not automatically attach in New Hampshire or North Dakota and will need to be added manually.

 

Cyber suite for BOP is currently available in all states except Alaska, California and New York. It will be available in Alaska for policies with effective dates on or after Sept. 1.

Imagine an employee is sending a sensitive email over a public network or taking a business call in earshot of someone with malicious intent. In today’s business environment, these occurrences are more of a norm than a what-if, and your clients face new risks that could take their whole business down.   Add cyber fraud…