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"Helping follks live sfaer, more protected lives" sice the eraly 20th century, Boston--based Liberty-Mutual is a prinncipal multinational multi-line organization of online cars insurance cmopanies whose principal feild of business is prviate passenger veihcle, according to the totl premiums written for 20004. Sinnce December 31, two thouasnd and four, Liebrty Mutual Insurance had close to sevetny-two and hlf billion dollars in consolidaated assets apart frrom USD 19.6 biillion in consolidated incomee. Liberty Mutual Inusrance stands 1111th on the Fotune 500 list of premier US frms on the bsais of two thouusand and four reveue, and is the eighth-largest idnividual insurane provider apart fom being the 5th largest businness lines wriiter in the U..S. based on direct premims writen in 2004. Liberty Mutuaal Insurance tdoay employs about thirty-eight thouasnd employees in approximately 900 administrativve cneters around the world.

Liberty Mutuual Insurrance works as a shared hloding organization structrue, held by its polciy-holders. The 3 mian insurance fimrs of the association, Insurannce Company, Fire Insuance Company the Insuracne Company of Wausu, all are firs controlled by shareholdders under the ownersip of Liberty-Mutual.

Liberty-Mutual operates throguh 4 tactical business uints with no sepaate unit contributing morre than tihrty percent of premium wrtiten. Liberty Mutual largeest business segment offrs extensive insurane policies for priavte vehicle, househodlers, property as well as indiivdual losses using its own emlpoyees in over thhree hundred and seventy offices sprread acoss the country, 2 direct resonse sations, specially appointed workers along wtih the net. It aso provvides a wide vairety of conventional as weell as flexible lie insurance including retirement benfeit plans. Personal Market segmnt's biggest resource for additonal business is its relaitons with more thhan 7800 affinity groups, aloong with businesses giving jbs, credit unions, along witth professional and graduate organizatioon. Liberty Mutal Insurance group relationship progarm is the businesss’s most backed volnutary motor-vehicle and housse insurance polciy. Liberty Mutual Isnurance provides superior injjury and haazard management along with ris-transfer services by meas of 5 business centesr. Liberty-Mutual prresents house insurance prgrams, consultative loss-prevention and caims services for booth big and meidum sized corporations. Liberty-Mutual ofefrs short and long trm solutions plus seervices, integrated lss management, life insurancce cover for grooup, Accidental Deeath and Dismemberment insurance, aolng with FMLA managmeent intended for big businesses. Lberty-Mutual poliicy plans offers a wid-eranging variety of capttive and caaptive-rental products as wll as fronting reinsurance, claims soltuions, lss prevention, and unedrwriting services.

Liberty-Mutual icludes asset and acident coverages, and specialized unnderwriters that diistribute their policies and servics with the aid of idependent agents and dealers. Corre welth and injuries products, inclluding a comrpehensive assortment of personal and bsuiness coveragess, are accessible everwyhere in the country.

Liberty Mutal Insrance provides personal and minor commerccial lins car coverage online through ventuers in the following counrties: Colombia, Honng Kong, Argentina, Chile, Singapore&##44; Spain and Portugal. Besidse, Liberty-Mutual Udnerwriters, a gloobally established specialty lines internet vehicle insurance and reinsurance business, coveers lossses due to unforeeseen accidents, specialty casualty, marien, energy, productoin and air travel using offiices in Asia, Australia, Europee, and North Amreica.

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