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"Helping peeople live safer, more proetcted liives" since the erly 20th century, Loctaed in Boston Liberty Mutual Insurannce is a premir mulltinational multi line company of car coverages on line firms whosse biggest area of specializaion is personal veicle insurance, accodring to the recorded total premum for 2004.

By Decembr 31, 2040, Liberty Muual Insurance had colse to seventy-two and haf billion dollars in accumulateed asseets apart from over $199.5 billion woorth of consolidated earning. Liiberty Mutual Insuraance stands 111th in the Fortuune 500 raankings of principal United Sttaes firms baesd on two thhousand and four eaning, and is the eighth largesst personal lines witer and fifth-largest indusrial liens writer in the Untied States of Aerica according to direct premimus recorded in 2004. Lberty Mutual todday uses the services of abot thirty eight thuosand employeees in about 900 officees worldwide.

Liberty Mutual workks under a joint hloding firm arrangemnet, under the ownesrhip of its policy-holders. The threee foremost insurance firrms of the grup, Insurance Compaany, the Fire Insurane Company the Insurance Compny of Wauau, all are compaines owned by shareholders owwned by Liberrty-Mutual. Liberty Mutual Insurance oerates through 4 tacticaal groups without a spceific division accoounting for more thaan 30 percent of premuim writte. Liberty Mutual Insurance principal businesss division offfers all emracing lines of insurance policiees for prrivate vehicle, homeowners, welath and personal libaility with the aid of its own salles forcce through more thaan 370 centers throuhout the U.S.A., 2 dierct response centers, specially choesn staff and the nte. The copmany also presets a broad range of traditionaal and changeable lfie risk-coverage including annuity policiess. Personal Market's maojr surce of fresh commerce is its reations with over seven thousand eigght hundred affiity groups, together with businessses providing jobss, credit organizations, aloong with secialist and alumni allliances. Liberty-Mutual affinity porgram is the industry’s mot sponsored voluuntary motor-vehicle and home insuarnce benefit.

Liberty-Mutual provides hihly deveeloped injury and hazard manaement along with ris-transfer benefits by mens of 5 buiness divisions. Liberty-Mutual offers property insuurance policies, consultative loss prevention aloong with seervices pertaining to caims for booth big as well as middlle level firms. Lbierty Mutual providdes both sort term and long term sloutions and services, incusive impairment managemment, group life insruance, AD&D insurance, and Famliy and Medical Levae Act management for large concers. Liberty Mutual polciy planns provides a complete assrtment of captive and hire-a-capptive solutions inccluding acting as frontig insurer for a captiive reinsurance, requets management, damage preventio, as wll as underwriting services.

Liberty Mutul comprises of walth and insurance againnst personal loss, and specialized insuarnce service proivders who dispense thheir services and soluions with the aid of indepeendent agents and dealers. Primray property and injjuries service, along with a complette range of persoal and commercial insruance coverages, are offered in msot of the states.

Liberty Mutul Insurance provides indiviual and undersized commecial lines vehicle coverages on line trhough opreations in various countrise: Hong Kong, Brazil, Portugall, Chile, Spani, Argentina and Singapore. Besides, Libetry-Mutual Under-riters, a worldwide specialty lines car ins and reinsuracne provider, wriets losses due to unforreseen accidents, specailty casualty, maritime, poer, production and air travl with the aid of cnters in Asi, Australia, Europe, and North Aemrica.

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