Liberty Mutual Commercial Auto Insurance Review and Quotes (2025)
Liberty Mutual insures many specialty business autos and construction vehicles with basic coverage options.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Liberty Mutual is the fourth-largest commercial auto insurance company, with just under 4% of the total U.S. market share.[1] The company offers commercial car insurance coverage to businesses across various industries, including construction, professional services, manufacturing, and public entities.
One of Liberty Mutual’s biggest strengths is its customized risk control programs based on factors like fleet size and location, which can help you avoid costly claims. But the insurer receives many more complaints than expected for commercial auto insurance, according to the National Association of Insurance Commissioners (NAIC).
Here’s what you should know about Liberty Mutual’s commercial options and how to find cheap commercial car insurance.
Quick Facts
Liberty Mutual sells commercial auto insurance through independent agents.
The company has excellent financial stability, with an A rating from AM Best.
Liberty Mutual doesn’t advertise any commercial auto discounts online.
Liberty Mutual commercial auto insurance at a glance
Liberty Mutual
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Liberty Mutual is a great commercial auto insurance company for small-business owners who need to insure specialty vehicles. The company insures many different types of business autos, including forklifts, construction vehicles, dump trucks, and food trucks.
Additionally, Liberty Mutual may be a good option for business owners who want help managing risk. Liberty Mutual’s dedicated risk control professionals can help you implement a fleet safety program, hire qualified drivers, spot unsafe driving behaviors using telematics, and more.[2]
Pros
Insures small businesses in a variety of different industries
Provides risk-management programs customized for your business
Coverage for many types of autos, including construction vehicles
Cons
Receives many more complaints than expected for its size
No instant online quotes
Doesn’t advertise any commercial auto discounts online
How Liberty Mutual commercial auto insurance works
Liberty Mutual sells commercial auto insurance policies through a network of independent agents. You can request a personalized rate quote through Liberty Mutual’s website, but you’ll need to wait for an agent to follow up before you can see your quote.
When you apply for a Liberty Mutual commercial auto insurance policy, the insurer will consider a variety of rating criteria, including your industry, location, and vehicle types. The insurer will also look at the driving records of each employee you want to insure.
Liberty Mutual’s assessment determines how risky your business will be to insure, which affects your premium. For example, a construction business might pay higher rates than a retail business. Similarly, you’ll pay less to insure a single car than an entire fleet of vehicles.
Once the risk assessment is complete, you’ll see the quoted premium for the coverage you chose. At this point, it’s a good idea to speak with an agent to make sure you have adequate coverage based on your business’s unique risk exposure. Your policy will take effect once you pay the initial premium.
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Liberty Mutual commercial auto discounts
Liberty Mutual doesn’t advertise any commercial auto insurance discounts on its website. But many of the best commercial car insurance companies offer savings opportunities that can reduce your premium. Commercial auto discounts often focus on fleet safety, driver training, vehicle safety features, and bundling with other business insurance policies.
Liberty Mutual commercial auto ratings
When choosing a commercial auto insurance company, it’s important to consider the insurer’s third-party ratings.
AM Best gives Liberty Mutual an A (Excellent) financial strength rating, which means it’s able to meet its financial obligations. The company scored one point below average for overall customer satisfaction in the J.D. Power Small Commercial Insurance Study, but it beat out several other top insurers, like The Hartford and Farmers.[3]
The most significant point of concern for Liberty Mutual is its NAIC Complaint Index score. The company received more than three times as many complaints as expected for a company of its size. Many of the largest commercial auto insurers also receive more complaints than expected, including Progressive and Old Republic, but Liberty Mutual’s index score is still higher.
Learn more about Liberty Mutual’s commercial auto ratings below.
Rating Source | Score | What This Means |
|---|---|---|
| AM Best Financial Strength | A (Excellent) | Very reliable |
| J.D. Power Small Commercial Insurance Customer Satisfaction | 696/1,000 | Below-average customer satisfaction |
| NAIC Commercial Complaint Index | 3.41 | Many more complaints than expected |
Liberty Mutual commercial auto coverage options
When it comes to coverage options, Liberty Mutual provides only the basics, like liability insurance and physical damage coverage for business vehicles. The company doesn’t advertise any endorsements or industry-specific coverage options, but you can speak to an agent to find out what other options the company may offer.
Here are the types of commercial auto insurance you can get from Liberty Mutual:
Liability
Liability insurance covers a driver’s financial responsibilities when they cause an accident. If you injure another driver or damage their property, your liability insurance will cover their losses. Commercial auto insurance typically includes higher liability limits than personal auto coverage because of the increased risks that businesses face.[4]
Uninsured/underinsured motorist (UM/UIM)
UM/UIM insurance covers your injuries and property damages if you get into an accident with an uninsured or underinsured driver who doesn’t have enough insurance to pay for your losses in full.
Collision
Collision insurance pays to repair or replace a business-owned vehicle following an accident.
Comprehensive
Comprehensive insurance covers non-collision vehicle repairs, like damage from theft, vandalism, falling objects, hail, and fire.
Medical payments
Medical payments insurance covers medical expenses if you or any of your employees incur accident-related injuries. In some states, commercial auto insurance policies automatically include personal injury protection, which covers medical costs for you and your passengers after a crash.
Hired and non-owned auto
Hired and non-owned auto insurance covers your business when you use rented or borrowed vehicles or when employees use their personal vehicles for work purposes.[5]
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Additional business insurance options
Liberty Mutual offers a full suite of commercial insurance products for small businesses. The company sells general liability insurance, commercial property insurance, workers’ compensation insurance, professional liability insurance, cyber insurance, inland marine insurance, and more. You might also be able to bundle multiple business insurance policies to earn a discounted premium.
Liberty Mutual commercial auto insurance FAQs
Liberty Mutual can be a good commercial auto insurer for certain small businesses. Here’s some additional information that can help you decide if Liberty Mutual is right for you.
Is Liberty Mutual a legitimate commercial auto insurer?
Yes. Liberty Mutual is a legitimate commercial auto insurance company. It’s currently the fourth-largest commercial auto insurer by market share, with 3.88% of the total market. As of 2024, the company had nearly $2.8 billion in premiums written. Liberty Mutual has licenses to sell commercial auto insurance in all 50 states and Washington, D.C.
How do you file a commercial auto claim with Liberty Mutual?
Small businesses can file a commercial auto insurance claim 24/7 by calling 1 (844) 325-2467. Only midsize and large businesses can file commercial auto insurance claims online.
Can you get same-day commercial auto coverage from Liberty Mutual?
You might be able to get same-day commercial auto insurance coverage from Liberty Mutual, but it depends on various factors, like your business type and fleet size.
Does Liberty Mutual cover specialty commercial vehicles?
Yes. Liberty Mutual covers a variety of specialty vehicles. You can purchase commercial auto insurance for construction vehicles, like dump trucks and forklifts, as well as food trucks, trailers, and catering vans.
Sources
- National Association of Insurance Commissioners. "2024 Property/Casualty Market Share."
- Liberty Mutual. "Commercial auto and fleet."
- J.D. Power. "Small Commercial Insurance Customer Retention Hinges on Trust in Rising Rate Environment, J.D. Power Finds."
- National Association of Insurance Commissioners. "Auto Insurance."
- Insurance Information Institute. "Insuring Your Business: Small Business Owners' Guide to Insurance."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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