Liberty Mutual
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Liberty Mutual’s published commercial appetite overview is aimed at small and mid-sized accounts (generally fewer than 1,000 employees) and indicates that appetite varies by line, geography, account size, and operations, with local underwriters able to stretch appetite for desirable, well-managed risks. Preferred business (by industry/operations) - Broad appetite for small and mid-sized risks in: construction (general building contractors except residential; specialty trade contractors), light-to-moderate manufacturing (aluminum, fabricated metals, hardware, machinery, industrial appliances, electronic components, metal stampings, tools, plumbing fixtures, sheet metal, springs and pipe products), food products (bakeries; beverages; bread/cake; canned/dried/frozen fruits & vegetables; cheese/cookies/crackers; dehydrated foods; liquors; prepared fish; frozen baking products; ice cream and frozen desserts; malt beverages; manufactured ice; pickles/sauces/dressings), healthcare (doctors’ offices, hospitals, labs, medical clinics), hospitality (hotels/motels/inns and conference centers with hotels), restaurants (casual and fine dining), real estate (commercial real estate managers, non‑residential operators), and a wide range of retail, service, and wholesale operations (including auto parts – non‑critical, commercial equipment, office equipment, electrical apparatus, hardware, industrial supplies). ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) - BOP/Commercial Protector (“Main Street USA”) targets small, lower‑hazard occupancies such as barber/beauty salons, dry cleaners, funeral homes, medical offices, general offices, small printers, and qualifying wholesalers, typically with less than about $8.5M in receipts per location and under 35,000 sq. ft. (up to 100,000 sq. ft. for office risks). ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) - Custom Protector (CPSP) targets somewhat larger or more specialized small businesses: artisan contractors; condos; food processors; garages; hotels/motels; manufacturers; office/lessors; religious organizations; restaurants; retailers; service providers; wholesalers, generally under about $15M in receipts per location. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) - Comprehensive Business Package (CBP) is aimed at more complex small accounts in auto service/parts and car washes; construction; florists and garden centers; funeral homes/cemeteries/mausoleums; golf courses; hotels/motels; light manufacturing (e.g., metal goods, food processing); medical offices; personal and professional services; printers; restaurants; retail; wholesalers and distributors. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) - Package Solutions targets mid‑sized accounts with total annual insurance premiums roughly $150K–$1.5M in industries such as contractors, food processors, hospitality, janitorial services, manufacturers, professional service firms, property managers, commercial real estate, restaurants, retailers, and wholesalers/distributors. (Note: not available to businesses located in Florida.) ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) - RM Select commercial property is positioned for larger property schedules (TIV $25M+), with notable appetite in food processing, hospitality, and real estate, including a ‘Green Select’ endorsement option. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) Undesirable / restricted classes - Explicitly listed as undesirable: apartments; chemicals and allied products; child day care; coal and metal mining; fishing, hunting and trapping; residential and single‑family housing construction; tobacco products; water, air, and railroad transportation. These classes are typically subject to strict underwriting, heavy modification, or are declined depending on jurisdiction and line. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) Workers compensation - WC is offered as part of the core commercial portfolio (including small and mid‑market packages) alongside GL, auto, property, and umbrella. Appetite is best for the preferred industries above, with emphasis on accounts where Liberty’s safety, claims, and risk control resources can be used. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) - For certain small commercial WC segments in various states, Liberty incorporates the owner’s credit‑based insurance score into underwriting. Producers must obtain owner name, home address, DOB, and permission for a soft credit inquiry. Quotes can be provided without credit initially, but credit is required to bind, and eCLIQ® may decline based partly on credit; adverse action notices are available through the agent portal when credit contributes to a decline. ([writemyrisk.com](https://writemyrisk.com/liberty-mutual-multiple-states-introducing-credit-based-insurance-scores-as-a-workers-compensation-underwriting-variable/?utm_source=openai)) - Premium audit is standard on WC and GL; final premium is based on actual exposures (payroll, sales, etc.) determined via audit at expiration, and complete records must be provided promptly to avoid audit disputes and to ensure accurate experience modification and rating. ([business.libertymutual.com](https://business.libertymutual.com/services/premium-audit/physical-audit/?utm_source=openai)) Commercial property - Property appetite closely tracks the preferred industries and package structures above: light‑to‑moderate hazard manufacturing, food processing, hospitality, commercial real estate, many retail and service segments, and wholesalers/distributors. Larger property accounts (TIV ≥ $25M) are steered to RM Select with industry endorsements (Food Processing, Hospitality, Real Estate, Green Select). ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) - Apartments, heavy chemical risks, mining, and transportation‑centric risks are flagged as undesirable property classes; most will be heavily scrutinized or declined. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) Umbrella / Commercial umbrella - Umbrella is available across the small and mid‑market portfolio (stand‑alone or part of packages), supporting many of the preferred classes in construction, hospitality, manufacturing, real estate, services, and wholesale/retail, subject to underlying program quality and loss history. Appetite is stronger for accounts with coordinated Liberty primary lines and good controls; high‑hazard or undesirable classes (apartments, residential construction, chemicals, mining, transport) may see limited or no umbrella support. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) Commercial package policy / package products - Liberty Mutual positions multiple package tiers: - Commercial Protector (BOP) – simple ‘Main Street’ package for very small, low‑hazard accounts. - Custom Protector (CPSP) – flexible package for small but slightly larger or more specialized risks, including manufacturers, hotels, processors, and religious organizations. - Comprehensive Business Package (CBP) – for more complex small accounts needing broader customization. - Package Solutions – for mid‑sized accounts with material premium (about $150K–$1.5M), including contractors, food processors, hospitality, manufacturing, property managers/real estate, and similar. (Not yet available for Florida locations.) - These packages typically include property and liability in a single policy, with bundled segment‑specific endorsements, blanket additional insureds and blanket property extensions on certain forms, and options such as waiver of subrogation and primary/non‑contributory wording where required by contract. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) Geographic notes - Appetite document is U.S. national in scope for small and mid‑market business, but indicates that offerings vary based on geography, line of business, account size, and operations, and that local underwriters may focus on niches such as churches, farms, golf courses, logging, and schools. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) - Package Solutions specifically notes it is not yet available to businesses located in Florida. For TIV ≥ $25M property schedules and for some larger or specialty risks, RM Select and other national programs are used, with typical large‑account territory considerations. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) Submission, underwriting, and producer notes - Liberty primarily distributes commercial business through appointed agents and brokers; prospective agents must request appointment and then access quoting platforms (e.g., eCLIQ®, agent portal) for submissions. ([business.libertymutual.com](https://business.libertymutual.com/agent-and-broker-dashboard/?utm_source=openai)) - For small commercial, producers should place qualifying ‘Main Street’ accounts into Commercial Protector or Custom Protector, using standard eligibility thresholds (revenue, square footage, occupancy). Accounts with larger revenues or more complex operations should be directed to CBP or Package Solutions based on premium size. - Underwriters expect full operational descriptions, revenue/payroll details by class, prior carrier and loss history, and for WC, complete payrolls, ownership details, and consent for credit‑based insurance scoring where applicable. Incomplete or high‑hazard submissions (e.g., residential construction, apartments, mining, transportation, chemicals, tobacco) are unlikely to be competitive and are often declined. - Producers are encouraged to consult local underwriters or territory managers for niche classes (e.g., churches, farms, golf courses, logging, schools) as local expertise and authority may expand appetite for well‑controlled risks. ([simonagency.com](https://simonagency.com/assets/file/18_6_21/commercial/BI_Appetite_Overview.pdf)) Operationally, brokers should treat Liberty Mutual as a strong market for small and mid‑sized commercial WC, property, umbrella, and package business in light- to moderate-hazard industries, avoid or pre‑screen clearly undesirable classes, and be prepared to provide detailed exposures, underwriting data, and credit consent (for certain WC segments) at or before binding.