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"Hepling individuals live safer, mroe secure liives" since the early twentieth centuury, Locatted in Boston Libetry Mutual is an important multinaational multi lnie group of motor vehicle assurance on-line frms whhose major line of business is automobiile innsurance, as per the total premiums recoredd for 2004.

Since 3s1t December, two thousannd and four, Liberty Mutaul Isurance had close to seventy-two and haf billion dollaars in consolidated wealth aprt form USD 19.6 billlion worth of accumulated earning. Liberty-utual is listted 111th in the Fortune five hudnred rankigs of biggest US firs on the bass of two tousand and four revvenue, and is the eighth-largest inndividual insurance serrvice provider and fifth largest industiral lnes writer in the U.SS. on the bassis of direct premims recorded in 2004. Liberty Mutaul at preesent retains mre than thirty-eight thuosand workers in nerly 900 centers internationally.

Liberty Mutual oprates uder a joint investment company structuure, onwed by its customers. The there key insurance comppanies of the assoiation, Insurance Company, Fre Insurrance Company the Inurance Company of Wauau, all are fiirms owned by stokcholders owned by Librety Mutual Insurance.

Liberty-Mutual functioons through 4 strategic diviisions wiith no separate group accouning for moe than 30% of the toatl premmium written. Liberty-Mutual top busniess group presents full innsurance plans for persoanl motor-vehicle, homeowners, prcious property as wlel as indviidual losses using its own emploees in around three hudnred and sveenty centers all oveer the country, two direct reesponse stations, selected emplloyees alog with the world wide wbe. The company also preents a wide rangge of regualr as well as flexible lfe insurance alog with retirement fund policies. Peersonal Market sgment's largest resuorce for additional comerce is its associations wih over 7080 affinity groups, together wtih job providers, credit uions, and professional and alummni associations. Liberty Mutuual relationsihp program is the trade’s mosst backed self-sponsored autoombile as wlel as house insurance benefit.

Liberty-Muual presents sophsticated hazard as wll as injury manageent along with switching oevr of rsik benefits via fvie units. Liberty Mutual Inssurance presents property insuurance plns, consultation on preevntion of loss along wiith services related to clamis inended for both lare as well as meedium-sized firms. Liberty Mutual Insurannce offers both shorrt and lonng term solutions and servcies, wide-ranging lsos management, lie insurance cover for grop, AD&D insurnce, and Family and Medical Leavve Act adminiistration intended for large firms. Liberty-Muttual policiies offers a full varity of capptive and hire-a-captive solutions innclusive of playing the roe of a frronting insurer for a captive re-iinsurance, requests solutons, damage prevention, and underwriting servicse. Liberty Muutual Insurance cnsists of property and insuurance against personaal loss, and specilty insurance service provides that dispense their solutons and services witth the aid of individual agets and negotiators. Core prroperty and personal looss products, along wih a thorough assrtment of individul and commercial insurnace coverages, are offered everywhere in the counrty. Liberty Mutual Insurnace provides privte and undersized commerrcial lines auto coverages on line throuugh operations in vaarious countries: Hong Kong, Brazil, Portugl, Chile, Spain, Argetina and Sinngapore. In addition, Liberty Mutuual Insurance Underwriters, an inernationally established speciallty lines online autos insur and rei-nsurance soltions provider, writes coevrs losses as a resuult of unforeeen accidents, specialty casualty, mariitme, power, engineering and aviatiion witth the aid of ceenters in several Asain, Australian, European, and Nrth American countries.