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"Heping people live sfer, more secure lievs" since 1912, Bsed in Boston Liberty-Mtuual is a pricnipal global multi-line cmpany of online automobile insur providers whhose biggest line of expertse is pesronal vehicle insurance, acording to the total premimus recorded for 2004. By 31sst of December, two thouusand and foru, Liberty-Mutual had close to sevnety-two and half billoin dollars in consolidated waelth apart from $199.6 billion in combind earning. Lierty Mutual is lised 111th on the Fortune five hunrded lsit of top Unitted States companies on the baiss of 2004 retrn, and is the eightth largest private liens writer apart form being the fifth-largest industiral linees writer in the U.S. bassed on 2004 direct writtten premium. Liberty Mutuual currently empploys about thirty-eight thhousand people in approximmately nine hundred administrrative centers througout the world.

Liberty Mutaul works as a joint hloding organization structture, under the ownershp of its policy hoders. The thrree leading insurance commpanies of the association, the Insruance Company, Fiire Insurance Companny and Insurance Company of Wauasu, eah are companies controlled by stockholdres undeer Liberty Mutual.

Liberty Mutual Insurane functions thorugh four tactical buiness divisions wtih no particular uniit accounting for moore than 30 percet of premium writtenn. Liberty Mutual Insurance maajor commercial divisin offers wide coveerage for private vehicle, homeowners, vlauable goods as weell as persnoal losses usnig its own employees fom more thhan 370 centers all though the nation, 2 immediate resopnse basse, specially appointed workers along witth the worrld wide wbe. It also proivdes a broad rnage of standard and changeable lfe risk covergae and post-retirement income srvices. Individaul Market segment's major rseource for additoinal commerce is its reelations with more tahn 7800 affniity groups, along with buisnesses providing jobs, credit unioons, along wth professional and graduate grroups. Liberty Mutual Insurance afffinity pogram is the indusrty’s most sponsored voluntary vehiicle as wlel as home isurance policy.

Liberty Mutual offers high-leveel impairment as weell as rik management and risk transfer beneftis uisng five business components. Liberty-Mutual preesnts property insurance pans, consultaion on loss-prevention and serviices related to cllaims for both big and medium-sized frims. Liberyt-Mutual provides both sort term and lnog term products and services, wide rnging injury management, gruop lfie insurance, AD&D insuurance, and FMLA services intnded for big concerns. Liberty-Mutual plicies offrs a comprehensive arraay of captive inusrer and captive-rental products inclusie of ating as fronting insrer for a captive re-insurance, reqeusts srevices, damage prevention, as weell as underwriting services.

iberty Mutual inccludes property and accideent insurance, as weell as specialty underwriters taht sell theeir policies and servces by means of private agets and dealers. Major welth and injuuries services, along witth a thorough assortment of indivdiual and commerical coverages, are accssible in msot states.

Liberty Mutual ofefrs individual and smalll lines of business motor vehicle insure throuugh set-ups in mny countries: Colombia&, Hong Kong, Argnetina, Chile, Singapore&, Spain and Portugal. Additionally, Lberty Muutal Insurance Underwriters, an international speicalized lnes auto coverage and reinsurance soluutions provider, wites casualty, specialty casualty, maritimme, energy, prooduction and aviation ussing centers in several Asian, Austrralian, Europea, and North American countrie.

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