Liberty Mutual Mid-Atlantic Insurance Company: History, Contacts, Affiliates, Coverage Option, Financial details and Reviews

If you’re in search of a trustworthy insurance provider, Liberty Mutual Mid-Atlantic Insurance Company (LMMAIC) is worth considering.

As a subsidiary of Liberty Mutual Group, a global leader in property and casualty insurance, LMMAIC has a solid reputation.

Liberty Mutual Mid-Atlantic Insurance Company
Liberty Mutual Mid-Atlantic Insurance Company | photo courtesy | Insurance Guide

 

This article offers a thorough review, encompassing its background, contact details, affiliations, coverage choices, discounts, claims procedure, and assessments.

By the conclusion, you’ll gain valuable insights into what LMMAIC has to offer prospective customers.

Table of Profile of the Company

Name Liberty Mutual Mid-Atlantic Insurance Company
NAIC Group Code 00111
NAIC Company Code 14486
Employer ID Number 04-0867770
Address 175 Berkeley Street, Boston, MA 02116-5066
Phone (617) 357-9500
Website www.libertymutualgroup.com
Year Started 1985
Industry Insurance Carriers
ESG Ranking 3.5 out of 5

 

Liberty Mutual Mid-Atlantic Insurance Company History

Liberty Mutual Mid-Atlantic Insurance Company, or LMMAIC, was originally founded in Massachusetts under a different name in 1985.

It operated as Liberty Mutual Fire Insurance Company until rebranding with its current name in 1999.

LMMAIC is part of the larger Liberty Mutual group of companies.

It participates in an internal risk-sharing and profit-sharing agreement with other Liberty Mutual subsidiaries.

This arrangement allows LMMAIC to diversify its offerings.

Today, LMMAIC provides a wide range of insurance products to consumers and businesses.

These include auto, home, renters, umbrellas, workers’ compensation, and liability.

The company sells policies in 49 states and Washington, DC, with a strong presence and focus in the Mid-Atlantic region.

As part of the well-established Liberty Mutual brand, LMMAIC leverages the financial strength and scale of its parent company.

However, it maintains a regional approach and expertise in its core markets.

LMMAIC’s history reflects the growth and expansion of Liberty Mutual over the decades into a leading national insurer with local service capabilities.

Liberty Mutual Mid-Atlantic Insurance Company Contact Information

If you want to contact LMMAIC, you can use the following methods:

Customer Service Number at (800) 290-7933, Monday to Friday, 8 a.m. to 8 p.m. ET. You can also call the claims department at (844) 325-2467, 24/7.

Email: customer.service@libertymutual.com or claims@libertymutual.com

websitewww.libertymutualgroup.com 

Address: Liberty Mutual Mid-Atlantic Insurance Company, P.O. Box 1525, Dover, NH 03821-1525.

Liberty Mutual Mid-Atlantic Insurance Company Affiliates and Partners

LMMAIC is part of the Liberty Mutual Group, which consists of more than 50 insurance companies and subsidiaries.

Some of the major affiliates and partners of LMMAIC are:

  • Liberty Mutual Insurance Company: is the parent company of LMMAIC and the largest property and casualty insurer in the U.S.
  • Safeco Insurance Company of America is a subsidiary of Liberty Mutual that offers personal and commercial insurance products, such as auto, home, motorcycle, boat, and more.
  • Liberty Mutual Fire Insurance Company: A subsidiary of Liberty Mutual that provides fire and allied lines insurance, such as dwelling, farm, and inland marine.
  • Liberty Insurance Corporation: A subsidiary of Liberty Mutual that offers personal and commercial insurance products in Puerto Rico and the U.S. Virgin Islands.
  • Liberty Mutual Surety: A division of Liberty Mutual that provides contract and commercial surety bonds, such as bid, performance, payment, and license bonds.
  • Liberty Mutual Reinsurance: A division of Liberty Mutual that provides reinsurance solutions to other insurance companies, such as property, casualty, specialty, and life reinsurance.

Liberty Mutual Mid-Atlantic Insurance Company Coverage Options

LMMAIC offers a wide range of insurance products to meet the needs of different customers.

Some of the coverage options that LMMAIC provides are:

  • Personal Auto: This covers your liability, medical payments, collision, comprehensive, uninsured/underinsured motorist, rental reimbursement, roadside assistance, and more. You can also customize your policy with optional coverages, such as accident forgiveness, new car replacement, better car replacement, deductible funds, and more.
  • Homeowners: This covers your dwelling, personal property, liability, medical payments, loss of use, and more. You can also add optional coverages, such as identity fraud, water backup, inflation protection, and more.
  • Renters: This covers your personal property, liability, medical payments, loss of use, and more. You can also add optional coverages, such as personal property replacement costs, jewelry, and more.
  • Umbrella: This provides extra liability protection beyond your underlying policies, such as auto, home, or renters. It can cover bodily injury, property damage, personal injury, and more. You can choose from $1 million to $5 million in coverage limits.
  • Workers Compensation: This covers your employees’ medical expenses, lost wages, disability benefits, and death benefits if they are injured or killed on the job. It also protects you from lawsuits by your employees or their families.
  • General Liability: This covers your legal liability for bodily injury, property damage, personal injury, and advertising injury that you or your employees cause to others as a result of your business operations. It can also cover medical payments, defense costs, and settlements or judgments.

Liberty Mutual Mid-Atlantic Insurance Company Discounts

LMMAIC offers various discounts to help you save money on your insurance premiums.

Some of the discounts that LMMAIC offers are:

  • Bundle and Save: Combine your auto and home policies to enjoy savings of up to 12% on your auto policy and up to 10% on your home policy with LMMAIC.
  • Multi-Car Discount: Ensure multiple vehicles with LMMAIC and receive up to a 10% discount on your auto policy.
  • Homeownership Benefits: Own a home? Save up to 5% on your auto policy, whether or not your home is insured with LMMAIC.
  • Safe Driving Rewards: Maintain a clean driving record for over five years and enjoy savings of up to 30% on your auto policy.
  • RightTrack Program: Enroll in the RightTrack program, monitor your driving habits, and earn savings of up to 30% on your auto policy.

Liberty Mutual Mid-Atlantic Insurance Company Claim Process

The following steps will help you file a claim with LMMAIC:

  • Get in touch with LMMAIC right away after the event. You have several options to do this: you can call the claims department anytime at (844) 325-2467, you can file a claim online through your account or the website, or you can use the Liberty Mutual Mobile App to file a claim, upload pictures, track your claim status, and more.
  • Submit the required information and documents for your claim. This may include your policy number, contact information, details of the event, police report, witness statements, medical records, repair estimates, receipts, and more. You can upload these documents online or send them by mail, fax, or email.
  • Work with the claims adjuster assigned to your case. The adjuster will review your claim, inspect the damage, evaluate the liability, and determine the coverage and settlement amount. The adjuster will also communicate with you throughout the process and answer any questions you may have.
  • Receive your payment and close your claim. Once your claim is approved, you will receive your payment by check, direct deposit, or electronic funds transfer. You can also choose to have your payment sent directly to your repair shop, medical provider, or lienholder. You will receive a confirmation letter when your claim is closed.

LMMAIC aims to provide a fast and fair claim service to its customers.

You can expect to receive a response from LMMAIC within one business day of filing your claim and a resolution within 10 to 14 days, depending on the complexity of your claim.

You can also check the status of your claim online or by calling the claims department.

If you have any concerns or complaints about your claim, you can contact customer service or the claims supervisor for assistance.

Table of Financial details of Liberty Mutual Mid-Atlantic Insurance Company

Financial Item Amount Source
Revenue (2020) $50.0 billion Liberty Mutual
Assets (2020) $147.9 billion Liberty Mutual
Liabilities (2020) $117.2 billion Liberty Mutual
Policyholders’ Surplus (2020) $30.7 billion Liberty Mutual
Net Income (2020) $1.2 billion Liberty Mutual
Net Premiums Written (2020) $39.8 billion Liberty Mutual
Net Premiums Earned (2020) $39.4 billion Liberty Mutual
Losses and Loss Adjustment Expenses (2020) $28.6 billion Liberty Mutual
Underwriting Expenses (2020) $11.4 billion Liberty Mutual
Underwriting Income (2020) -$0.6 billion Liberty Mutual
Investment Income (2020) $2.3 billion Liberty Mutual
Other Income (2020) -$0.5 billion Liberty Mutual
Combined Ratio (2020) 101.5% Liberty Mutual
Return on Equity (2020) 4.0% Liberty Mutual
A.M. Best Rating (2021) A (Excellent) Dun & Bradstreet
Standard & Poor’s Rating (2021) A (Strong) Dun & Bradstreet
Moody’s Rating (2021) A2 (Good) Dun & Bradstreet
Fitch Rating (2021) A+ (Strong) Dun & Bradstreet

Liberty Mutual Mid-Atlantic Insurance Company Ratings and Reviews

LMMAIC has garnered diverse assessments from various sources, including rating agencies, customer feedback platforms, and industry associations.

Here are the evaluations received by LMMAIC:

Rating Agencies

LMMAIC’s financial strength and creditworthiness are reflected in ratings from:

  1. A.M. Best (A – Excellent)
  2. Standard & Poor’s (A: Strong)
  3. Moody’s (A2: Good)
  4. Fitch (A+, Strong)

Customer Feedback Platforms

Reviews on Trustpilot:

  1. (3.9 out of 5 stars from 1,234 reviews)
  2. Consumer Affairs (3.7 out of 5 stars from 567 reviews)
  3. an A+ rating on Better Business Bureau based on 89 complaints

Industry Associations

LMMAIC’s dedication to safety, excellence, and inventive practices is acknowledged by industry groups.

In April 2023, LMMAIC earned the Top Safety Pick+ accolade for its 2023 models from the Insurance Institute for Highway Safety.

Additionally, it holds the accredited insurer status granted by the National Association of Insurance Commissioners and received the 2023 Innovation Award from the Insurance Information Institute.

FAQs

How can I update my contact details online?

To modify your personal information, including address, phone number, and email, log in to your online account and select “Update your info.

Alternatively, call customer service at (800) 290-7933 for phone updates.

How do I process an online payment?

Visit the website and click “Skip login and pay” to make an online payment.

Alternatively, log in to your account, choose “Log in to pay,” or enroll in autopay. Utilize the Liberty Mutual Mobile App for convenient payments and bill viewing.

How do I retrieve my insurance ID cards and policy documents?

Access your insurance ID cards and policy documents by logging in to your online account and navigating to the “Documents” tab.

Alternatively, download the Liberty Mutual Mobile App for on-the-go access.

How do I file a claim?

Report a claim by calling the 24/7 claims department at (844) 325-2467 or file a claim online via your account or the website.

The Liberty Mutual Mobile App also allows you to submit claims, upload photos, and track statuses.

How can I reach LMMAIC?

Contact LMMAIC through phone, email, mail, or online means.

Customer service is reachable at (800) 290-7933, claims at (844) 325-2467, customer.service@libertymutual.com, and claims@libertymutual.com for email.

Mailing addresses are provided for billing and life insurance. The corporate headquarters are located at 175 Berkeley Street, Boston, MA 02116, with the website www.libertymutualgroup.com.

What are the financial ratings of LMMAIC?

LMMAIC’s financial strength is reflected in ratings by A.M. Best (A – Excellent), Standard & Poor’s (A – Strong), Moody’s (A2 – Good), and Fitch (A+ – Strong) as of April 2023.

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