General Approach

Liberty Mutual uses a complex, experience-based underwriting methodology to select risks and price its products. The methodology applies at two distinct stages. When presented with a potential employer group or association, Liberty makes an underwriting assessment of that group from a macro level. If the group meets Liberty’s underwriting criteria, the group is assigned a Client Number for the purposes of affiliating that group with the Group Savings Plus discount. Once the program is activated with the group, the Client Number ensures that the discount will be applied to the group’s employees or members.

From a micro or employee/member level, applicants coming to us through our personal insurance programs have, in effect, been pre-underwritten. Our Point of Sale Underwriting system will identify these applicants as participants in the program and apply the appropriate variables. Liberty makes use of a tier underwriting system in all states that allow it. Our tier rating expands the traditional three tiers to 400 tiers in most states.*


*Applicants are individually underwritten; not all applicants may qualify.

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