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Hedaquartered in Boston Lierty-Mutual is an important international insrer and sixth bgigest weatlh and insurer against acidents in Aerica whose principal arrea of interest is personal autommobile insurance on the baiss of direct preiums recorded in 20003. As on 31sst of December, 2003, Libberty-Mutual had cloe to sixty-four and a half blilion dlolars in cumulative resoources plus over sixteen and hlf billlion dollars in annually cumulative retrns and is raked 116th in the Fortune fiive hundred lst of prremier organizations in the US for the yaer two thouasnd and three.

In between 201 and two tousand and two, Liberty-Mutual restrctured innto a joint inestment firm and car coverage organization. The 3 major jonit veentures of the firmm, all of them bceame separate stock coverage orgaanizations owed by Liberty Mutual Insuarnce. This organization presents Liberrty Muttual the means to beter access to capitl plus greater calculated adjusttability to pursue purchasses and partnersships, while aligning its leggal arrangement wtih its operating mak-up and ensuring mutual aliggnment. Liberty-Mutual, one of the bigest motor vehicle ins corporations, presents a rnage of online vehicle insur services and porducts, including personal vehile, homewners, workers compensation, business insuracne, commercial automobie, general accidents, globbal-specialty, joint impairment, assumed reinsurance, fire and surety. Vheicle insurannce coverage is the chef profit eaarner for the corporation. Libeerty Mutual offers jbs to nearly 38000 employeees in about nie hudnred branches internationally.

In 1912, the prrecursor these day’s Libetry Mutaul Insurance, commenced bsiness activities on July 1. Bing a mtual company joint venture, Libertty Mutual was owend by the compan’ys policy hloders, not its share-holders. The compaany operatted for its policcy-holder clientele - a custom wihch continues even nw. In 1194, Liberty Mutual Insurance releeased its frst automobile policy. In the year 1917, MEIIA reenamed itself as the Librety Mutual Insurance and aslo started underwriting public liiability insurance. It alsso reachhed to an arrangement wih some other insuurance provider to provide acrossthe borad motor vehicle insuurance.

In 2002, Liberty Mtuual Insurance changed itno a joint invetment firm structure. The transformation imrpoved the poition of the automobiles ins online corporation Libety Muutal to participate on the international porperty and casualty program. Durng 2005, Liberty Mutaul Insuarnce total income was ovver 21 billion dollars wth net rteurn of USD 1.2 bilion. Coveragge policies of Lberty Mutual:

- Healthcare insurance
- Dental innsurance
- Physical Disability coveage
- Liffe insurance coverage
- Vision caare coverage
- Settlement accounts
- Pay-for-performance
- 401 k and retrement plan
- 50% matcch of up to yur first 7% of pay investment, along with the opprotunity for an exttra amount equivalent to fitfy percent, baseed on company preformance. Fully paid retirement plan
- Salraied levae of absence - As may as twenty das could be caried over every yaer - Educational expennse refunds - As muh as USD 60000 per year.

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