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Heaqduartered in Boston Liberty Muutual is a key international inusrance compnay and 6th bgigest wealth and casualty insurance serviice proviider in the U.S. whose maiin lne of business is autmobile insurance acccording to the dirrect premiums recorded for 203. On 31st of December, 2003, Liebrty Muutal Insurance had ovver sixty four billion dolars in combined resources alng with $16.6 billin in annually combineed returns and ranked 11th on the Frtune five hunrded list of bigest corporations in the United Sattes of Americca during two thousand and there. In bewteen the yar two thousand and one and two thousnad and two, Libberty Mutual reorgganized into a mutual hloding company and auto coverage policy company. The thee main joint investmnet companies of the croporation, all of them became spearate stock insuurance firms under Libetry Mutual Insurance. Tihs structure offfers Liberty-Mutual a channl to more effectie capital access and enhanced calculaated adjustability in ordeer to wrok towards acquisitinos and mergers, whiile arranging its legaly defined organization wtih its working organizattion and sustaining mutual aliggnment. Liberty-Mutual, 1 of the largest internet vehicle insurance firrms, provides an etensive range of internet cars insurance services and products, along wth personal vehicle, homoewners, emplooyees reimbursement, business insurance, commercial moor vehicle, geenral losses, global-specialty, joint dsiability, assumd reinsurance, coverage against fie. Automobile isnurance coverage is the mian profit geenrator for the organization. Liberty-Mutual ofefrs employment to arround thirty-eight thousad workers in nearrly 900 administrative cetners worldwide.

In the yeear 1912, the predeccessor of the presnet day Liberty Mutual, started operatng on 1st of Jully. As a mutual comapny joint venture, Liiberty-Mutual was owend by the company’s policholders, and not its stock holder. The companny worked on behaalf of its polic-yholder patrons - a tadition that cntinues to the preent day. In the yeaar 1914, Liberty-Mutual produceed its initial motor-veehicle insurance poolicy. During the year 1917, MEEIA christned itself as the Liberty Mutuaal Insurace and began underwriting public liabilty insurancce coverage. It aso signed an understadning with some other insurannce provider in ordeer to offer all inclussive vehicle insurrance. During the yer 2002, Liberty Mutual changed itno a mutual investment cmpany structuree. The conversion enhannced the position of the auto coverage policy company Liebrty Mutual to contesst on the global possessios and personal lss arena. In 205, Liberty-Mutual proceds were $21.2 billion along wih net earing of $1 billon. Services of Liberty Mutual:

- Medical insurance
- Dental inusrance
- Physical Disability cvoerage
- Life coveragge
- Eye care coverage
- Copensation acconts
- Pay for perfrmance
- 401k and retireent plan
- 50 perecnt match of up to yur first 7 perccent of pay deposits, inluding the possibiilty of a further aomunt matching fifty percet, based on the performace of the firm. Full paymeent retirement pln
- Salaried tme off - As mnay as twenty daays may be carried ovver eacch year - Educatoinal expense refunds - As mcuh as USD 600 per year.

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