Small business dashboard

We can help protect what you’ve worked so hard to build.

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Resources for small business owners

As a small business owner,you want to know that your insurance coverage will protect what you’ve worked so hard to build.  At Liberty Mutual Insurance, we have the expertise, coverages, and services to provide that protection. Review our solutions and resources for small businesses. 

Policyholder portal

Manage your account 24/7 — pay bills, review policy documents, view policy activity, check claim status, access safety materials, and more.

Find an agent

We work with local independent agents and brokers who will take the time to understand your needs and help you select the right coverage.

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Account service

If you need assistance with your account, we are here to help! Our support team is available Monday through Friday, 8 a.m. to 8 p.m. ET.

Small business coverages

Having the right property and casualty coverages can make all the difference when it comes to protecting your business. Our solutions can offer comprehensive protection across your operation, from your employees and reputation to your vehicles and equipment.

Industries

Your insurance needs are as unique as your business. Whether you’re in manufacturing, hospitality, retail, or another industry, we have the right solutions to help protect your operation.

  • Contractors

    From carpenters and concrete contractors to electricians and painters, businesses in the construction industry can benefit from our holistic insurance solutions. Whether you’re on a job site or on the road, count on us to help protect your employees, vehicles, tools, and more. We can even offer coverage for buildings under construction and owned, leased, rented, or loaned equipment on the job site, in storage, or in transit. To learn more, find an independent agent or contact your broker.

  • Farm

    Whether you run a small hobby farm or a winery, you’ll find that we understand your insurance needs, thanks to more than 100 years of experience working with businesses like yours. That’s why we offer a special business owner’s policy for farm owners. We’ll help cover farm dwellings, machinery and equipment, autos, personal property, and more. Find an independent agent  or contact your broker to learn more.

  • Hospitality

    People come to stay at your establishment for several reasons, and whether it’s for leisure or business, you want to provide the safest and most satisfactory experience possible. We can provide customized coverages to help protect your so you can do just that. Count on us to help protect your guests, staff, property, vehicles, and more. We can even offer coverage for key and lock replacement, accounts receivable, and guest emergency evacuation. To learn more, find an independent agent or contact your broker.

  • Manufacturers

    From food and plastics to metals and machinery, a diverse range of manufacturers can benefit from our tailored insurance solutions. Whether you’re a producer of gourmet food products or hand-blown glassware, count on us to help protect your employees, customers, and equipment and safeguard your operation against losses due to service interruption or product recall. Find an independent agent  or contact your broker to learn more.

  • Medical offices

    Whether you’re a general practitioner, dentist, optometrist, or chiropractor, providing quality care to your patients is paramount. We can provide customized insurance solutions to help protect your medical office so you can do just that. We can offer coverage for employees injured on the job and for your equipment, vehicles, and office. We can even help you recover financial losses if valuable records are damaged or perishable supplies are spoiled. To learn more, find an independent agent or contact your broker.

  • Personal services

    From photography studios, dry cleaners, and locksmiths to barber shops and salons, a diverse range of service businesses can benefit from our tailored insurance solutions. Count on us to help protect your employees, vehicles, employees’ tools, and other property. We can even help you recover financial losses to replace customers’ items that are lost or damaged while on your premises or when left in your care. Find an independent agent  or contact your broker to learn more.

  • Professional services

    From accountants and engineers to lawyers and architects, professional service providers are focused on delivering quality work and experiences to their clients. Our tailored insurance solutions can help your firm do just that. We can offer coverage for employees injured on the job and for your equipment, vehicles, and office. We can even help you recover financial losses if valuable papers, records, or art are damaged. To learn more, find an independent agent or contact your broker.

  • Real estate

    As a real estate owner or manager, you want to protect your property against fire, severe weather, theft, and other exposures. From real estate investment trusts to commercial property managers, a range of real estate companies count on us to help safeguard them against these risks and more. Our tailored solutions can help protect employees, tenants, and visitors as well as equipment, buildings, and vehicles. We can even help you recover financial losses due to lost rental income or broken leases due to a covered loss. Find an independent agent  or contact your broker to learn more.

  • Religious organizations

    As a church or house of worship, you have an important responsibility in your community – helping to celebrate marriages and births, offering guidance in times of uncertainty, and providing spiritual direction. Our tailored solutions can help protect your religious organization while it serves this role. Count on us to help protect your employees, members, vehicles, building, and more. We can also offer expanded coverage for musical instruments, stained glass windows, altars, and pews as well as protection for directors and officers, pastoral counseling, and sexual misconduct. To learn more, find an independent agent or contact your broker.

  • Restaurants

    Whether you run a family-owned deli or own a growing local franchise, you want your customers to be satisfied with the food you serve. From casual to fine dining, a variety of restaurants can benefit from our tailored insurance solutions. Count on us to help protect your guests, staff, vehicles, property, and more. We can also offer expanded coverage for customers’ automobiles, food contamination, loss of refrigeration, liquor liability, and valet parking. Find an independent agent  or contact your broker to learn more.

  • Retail

    Whether you own a single location or an expanding enterprise, you want to create high-quality shopping experiences for customers and protect your business against fire, shoplifting, and other exposures. From home furnishing shops and florists to clothing and shoe stores, an array of retailers can benefit from our tailored solutions. Count on us to help protect customers while they shop, your employees as they set up displays, and the inventory you keep in your storeroom. We can even help you recover lost income or pay additional expenses if your business temporarily shuts down due to a covered loss or needs to respond to a product recall. To learn more, find an independent agent or contact your broker.

  • Wholesale

    From books and office equipment to clothing and footwear, wholesalers and distributors of varied kinds can benefit from our tailored solutions. Whether your business supplies nondurable or durable goods, count on us to help protect your employees, vehicles, warehouse, equipment, and the goods you’re moving.  We can also safeguard your operation against losses and expenses if you need to respond to a product recall or are unable to fulfill a contract due to a covered loss. Find an independent agent  or contact your broker to learn more.

Claims

When you work with us, you’ll benefit from claims services that treat you right when something goes wrong. Our claims management approach is centered on the experience — from how we connect with injured workers to how we show up for our customers, helping mitigate liability or rebuild after a loss.

To report a property and casualty claim, please call us at: 1-844-325-2467 (844-3-CLAIMS).

Services

We know you are busy and don’t want to spend your time figuring out the complexities of insurance. Whether you need to pay a bill, complete a premium audit, or better understand how to help keep your employees and business safe, our service approach is designed for maximum value and minimum hassle.

This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.

Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.