Since its start in 1912, Liberty Mutual boasts having grown into the third largest property and casualty insurer in the United States. The company strives to help its members feel safe and secure and protect what they’ve built for themselves.

In 2018, Liberty Mutual was named one of the best employers for new graduates as well as being named one of the best employers for women.

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The Good

  • Detailed Explanation of Personal Liability Coverage
  • Coverage

Detailed Explanation of Personal Liability Coverage

Liberty Mutual does a great job of explaining how umbrella insurance can be useful to its members, who should get it, and how the coverage works. This information is extremely useful for those who are unaware of the benefits an umbrella policy provides. Umbrella Insurance from Liberty Mutual provides protection for members who have auto and homeowners insurance.


Liberty Mutual’s Personal Umbrella Protection policy adds and extends liability coverages and can even help pay for damages/expenses for which the member (or the covered family members) may be liable for. Here is what the Liberty Mutual Liability Insurance covers:

  • Additional coverage that extends over the limits of the auto, home, watercraft or recreational vehicle policy
  • Coverage for all family members living in the household
  • Worldwide coverage
  • Coverage for rental properties
  • Personal injury coverage if the policyholder is sued for the following:
    • Libel or slander
    • False arrest
    • Malicious prosecution
    • Violation of right of privacy
    • Wrongful eviction or wrongful entry
  • Payment of defense costs, attorney fees, and other expenses associated with a lawsuit (even if the lawsuit is frivolous or groundless)

The Bad

  • Can’t Apply Online
  • Exclusions

Can’t Apply Online

A few other personal insurance providers allow their members to apply online for an umbrella policy. Liberty Mutual asks that its members call or contact a local agent to discuss purchasing an umbrella policy.


Although not uncommon in the industry, there are a few exclusions with an umbrella policy from Liberty Mutual. These include malpractice lawsuits, workers compensation, business pursuits, and damage intentionally caused by any insured.

The Bottom Line

Liberty Mutual provides a lot of helpful information about its umbrella policy and what kind of coverage is provided. However, those looking into getting an umbrella policy from Liberty Mutual will have to call and speak with the company directly, since there is no way to apply online. Also, the Liberty Mutual website does not state any specific requirements, which can be frustrating for customers.

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