With over 100 years of experience, Liberty Mutual delivers trusted business insurance that adapts to your industry. Whether you run a small business or a growing enterprise, we have a policy built to protect what you've worked hard to build.
Business Insurance Coverage Options
Liberty Mutual offers a wide range of commercial insurance coverage options designed to fit your industry and budget. Whether you need basic general liability or a comprehensive business owner's policy, we'll help you build a plan that keeps your business protected and moving forward.
Business Owner's Package (BOP)
A Business Owner's Policy bundles general liability and commercial property coverage into one streamlined, cost-effective policy — making it the smart starting point for most small and mid-size businesses. Liberty Mutual's BOP is designed to cover the risks that matter most: customer injuries on your premises, damage to your building or equipment, and business interruption if a covered loss forces you to temporarily close. It's flexible, customizable, and built to grow with your business.
General Liability
General liability coverage is the foundation of any business insurance program. It protects your business if a customer, vendor, or third party claims bodily injury or property damage caused by your operations, products, or completed work. It also covers personal and advertising injury claims such as libel, slander, or copyright infringement. Most commercial leases and client contracts require proof of general liability — Liberty Mutual makes it easy to get the coverage you need to stay compliant and protected.
Commercial Auto
If your business owns, leases, or uses vehicles for work purposes, personal auto policies won't cover them. Liberty Mutual's commercial auto insurance covers your company vehicles — cars, trucks, vans, and specialty vehicles — with liability, collision, and comprehensive coverage. Whether you operate a single delivery van or a fleet of service trucks, we can build a commercial auto policy tailored to your drivers and routes. Coverage is available for owned, rented, and non-owned vehicles used in business operations.
Workers' Compensation
Workers' compensation is required by law in most states and protects both your employees and your business. If a team member is injured on the job or develops a work-related illness, workers' comp covers their medical expenses, rehabilitation costs, and a portion of lost wages — while also shielding your business from costly lawsuits. Liberty Mutual is one of the largest workers' compensation providers in the U.S., offering claims management, return-to-work programs, and the SafetyNetSM virtual safety consultation program to help prevent workplace injuries before they happen.
Tool & Equipment Coverage
Your tools are your livelihood. Tool and equipment coverage — also known as inland marine or contractors' equipment insurance — protects the tools, machinery, and mobile equipment your business depends on, whether they're at your shop, on a job site, or in transit. Liberty Mutual covers theft, accidental damage, and loss of specialized equipment so an unexpected setback doesn't become a business shutdown. This coverage is especially important for contractors, landscapers, electricians, plumbers, and other trades businesses whose work depends on the tools they bring to every job.