Products

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.

We’re currently rolling out a new publishing solution that will eventually replace what we’ve been using to print and send policy documents to you and your customers. The first line of business migrated to the new solution will be our business owner’s policy (BOP) product, effective Aug. 28. The most obvious change you’ll notice is that you and your customers will begin receiving identical electronic and printed copies of policies. Other changes – such as the exclusion of blank pages from electronic copies of policy documents – will be minor.

Until we migrate other lines of business to the new solution, you will receive BOP policy documents in a separate envelope.

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

• Drive Other Car coverage is now available in Colorado, Florida, Missouri, Mississippi, Montana, New Mexico, and South Carolina.

Learn more about these changes and more.

As originally noted on April 18, the state of Virginia is requiring all carriers to make updates to uninsured motorist (UM) options for commercial auto policies. The first phase of the transition is complete and the second phase is now underway.

Here’s what you need to know:

• New quotes started on or after July 15 will now see the alterative UM coverage option.
• Renewal business with effective dates starting Sept. 30 will have the new UM coverage, corresponding premium and policyholder notice. An endorsement can be processed to reduce coverage to the alternative UM.
• Recently issued policies, submitted before July 15, with an effective date of July 1 or after, will automatically receive the new broader UM coverage without the added premium impact until their 2024 renewal.

Please note that customers who choose alternative UM for a reduced premium must sign a coverage selection form using current workflow processes.

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

• Agency bill payment plans have been expanded to align with payment plans offered in our legacy billing system.
• When quoting auto in eCLIQ Simple, prior carrier claim details are now captured for each of the previous three years, in lieu of a total for all three years.

Learn more about these changes and more.

With expanded eligibility, you can now quote nearly all commercial auto risks in eCLIQ^® Simple™. Much faster turnaround times and high pass-through rates save you time and effort as you find the right rate and coverage for your customer.

We’ve discontinued the auto product we previously offered in the legacy eCLIQ platform. You are now only able to quote new non-farm commercial auto in eCLIQ Simple.* When a risk does not qualify for eCLIQ Simple, the system prompts you to submit a paper application that an underwriter will then review.

Have questions about the change? Start with this frequently asked questions document. Learn more about the latest version of auto in eCLIQ Simple by visiting the commercial auto page on the Agents’ Portal.

States affected: AZ, GA, IA, ID, IL, IN, MD, ME, MS, MT, NE, NH, NJ, NM, OH, OK, TN, UT, VT and WY.

*Effective June 23, this change only applies to new business and does not affect existing policies. In states where we offer farm coverage, you can continue quoting farm-related auto risks in eCLIQ without submitting a paper application.

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

• Garagekeepers coverage is now an available coverage option when quoting auto new business in eCLIQ Simple.
• Uninsured Motorist (including Underinsured) Stacking is an available option when the primary risk state is Mississippi, the entity type is an Individual, and there are four or fewer vehicles (including trailers).

Learn more about these changes and more.

States affected: FL and MD

Our comprehensive cyber suite endorsement is available for monoline general liability (GL) and business package policies in Florida and Maryland with effective dates on or after July 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.

Did you know bid and performance bond requirements are not limited to construction projects? There are multiple businesses that may be required to purchase what are known as “service or supply” bonds.

Service contractor bonds guarantee businesses will meet their contractual completion or payment obligations. Unlike standard construction performance and payment bonds, service bonds can be for multi-year terms and are renewed on an annual basis. Common industries served by service bonds include janitorial, landscape maintenance, food service, security, and waste management.

Supply bonds guarantee the performance of a contract to furnish products and materials according to the terms and specifications in the contract. Some examples of supply contracts include building materials, equipment supply, signage, and commercial/business furniture.

Liberty Mutual Surety can help meet all your customers’ service or supply bond needs. With our credit-based program, you can easily submit a one-page application and get approved for a bond up to $500,000 that same day. Check out our brochure to learn more, or visit us online at the Surety Agents’ Portal. Questions? Please contact bonds@libertymutual.com.

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:

• You can now add a Farm or Other Inland Marine line of business to an existing account, directly from the New Account Details screen.
• Drive Other Car coverage is now available in Connecticut, auto quotes effective October 3, 2023, and after.
• New general liability coverages available for BOP in Connecticut, Illinois, and Texas.

Learn more about these changes and more.

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

• If the account being quoted is multiline with lines of business in both eCLIQ Simple and legacy eCLIQ traditional, both quotes must be submitted when sending to underwriting for review and/or when issuing.
• Drive Other Car coverage is now available in select eCLIQ Simple states.

Learn more about these changes and more.