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We’re experts in the industries we serve. We navigate complexities and deliver you the insights and information you need.
ONLINE TRAININGS AND HR PORTAL
Our online training tool has the ability to push training videos directly to your employees through our Learning Management System. The HR portal contains resources for today’s HR professionals, who often wear multiple hats.
RISK MITIGATION TOOLS
Claims inevitably happen to all businesses, large and small, especially in workers’ compensation when an experience modification factor involved keeping the costs of claims low helps keep premiums low in the long run. Conversely, on first-party claims we advocate on your behalf to make sure you receive every dollar you deserve.
LOSS CONTROL ANALYSIS
Having a repeatable loss prevention plan that can be applied as minimum acceptable standards across all franchisees keeps insurance costs low, especially if you are in a high-hazard industry. Our experience allows us to talk to the franchisor at the 10,000-foot level so consistency can be had on the ground.
SENSITIVITY TRAININGS AND MATERIALS
Your employees are exposed to a diverse range of members of the community, and they need to build interpersonal relationships with all of your clients.
LIFT / TRANSFER AND INJURY PREVENTION
We know that lift transfer is the largest driver of severe claims in your industry. Proper training around this activity is critical to keep your experience mod low.
STATE-REQUIRED COVERAGE RECOMMENDATIONS
The margins in your industry are small and getting ever smaller. We have the markets available to keep you compliant while managing your costs so you can make investments in all required areas of your business.
PLAN DESIGN
Creative plans designs and alternative funding mechanisms can provide savings for many employers. Our seasoned consultants will dig deep and work with our clients to seek opportunities for financial savings.
CLAIMS UTILIZATION
For our self-funded clients, we offer software that houses millions of claim lives. Enabling us to accurately predict future claims. More importantly, the data allows us to address potential claim drivers before they become excessive.
EMPLOYEE BENEFIT EDUCATION
We understand that benefits are not benefits unless your employees are familiar with all you provide. Employee benefits are expensive, so we feel it is important to provide education and information on several fronts to assist your employees so that they can become familiar with your organization’s benefit program.
SELF-FUNDED OR LEVEL-FUNDED BENEFIT PROGRAMS (Medical, Dental, Vision)
Program lowers fixed costs, enabling claim savings for the plan to roll directly to the bottom line.
MEDICAL STOP LOSS COVERAGE
We partner with the largest managing underwriter, which allows us to obtain the most favorable rates and underwriting conditions for self-funded clients.
BUDGET / PREMIUM EQUIVALENT RATES
Our actuarial software tool enables us to prepare budget reports on behalf of the client. Health care premiums are often the #1 expense items outside of payroll. Staying on top of projected premium spend is import for running your business.
ICHRA – INDIVIDUAL COVERAGE HEALTH REIMBURSEMENT ARRANGEMENT
We have the technological solution that enables employers to fix their health benefit spend. As group health premiums continue to increase, this is becoming an attractive option.
ERISA DISCLOSURE
5500 preparation, summary plan descriptions, plan documents
ACA REPORTING
We assist you in understanding your obligations and sourcing options for required reporting.
HEALTH RISK CONSULTING
Our in-house wellness coordinator pulls resources from numerous sources to customize a wellness program that is right for your organization. Heathy employees are more productive and present, and they cost less in claims, which drives premiums lower.
HR HANDBOOK AND CONSULTATION
Liberty realizes that Complex and sensitive employee issues happen in every workplace. Having access to HR professionals and a comprehensive library for guidance is another Liberty Advantage Solution.
ANNUAL COMPLIANCE AUDITS
Liberty provides a comprehensive review to ensure our clients are compliant with DOL standards and filings, helping you avoid fines, penalties, and fees.
HEALTH CARE REFORM, ERISA, HIPAA, COBRA
Our in-house compliance expert is a valuable resource for our clients both large and small. We understand the complex laws are confusing and ever changing, which is why we provide assistance and guidance to our clients.
AGREED VALUE
You don’t want to be at the mercy of comparables for your vehicle at time of loss. Several of our carriers offer agreed value coverage, so you know what your car is worth and how much you will receive after a claim.
COLLECTOR CAR
You restored your car from the ground up and it’s your baby. Let’s make sure you have the specialty coverages to protect your vehicle in case of a loss. We have several markets that offer appraised value coverage, specialty parts sourcing experts, original parts coverage and more.
OEM PARTS
After a loss, you want your vehicle to retain as much value as possible. Allow us to endorse original equipment manufacturer parts coverage onto your policy. You’ll get original parts, not aftermarkets ones, after a loss and your vehicle’s value will remain intact.
CYBER LIABILITY & TECHNOLOGY E&O
If you are a growing tech company, you view your insurance spend as a necessary evil. The reality is if something goes wrong it will probably be significant, so putting the work in up front is critical.
MULTI-STATE COMPLIANCE SUPPORT
As you grow your team in this new work-from-home world, managing the compliance issues associated with multiple states has emerged as a new compliance focus area. Our software programs help you stay up to speed!
ONLINE TRAININGS AND HR PORTAL
Our online training tool has the ability to push training videos directly to your employees through our Learning Management System. The HR portal contains resources for today’s HR professionals, who often wear multiple hats.
ACCOUNT MANAGEMENT TEAM
We are proud of our seasoned experts who work hand in hand with clients and insurance carriers, resulting in favorable outcomes for our long-term clients.
OPEN ENROLLMENT
Our solution assists our employer clients with open enrollment functions. Our digital enrollment tool captures employee data, housing it in a central and secure location. This simplifies the process for HR.
RENEWAL MANAGEMENT / VENDOR SELECTIONS
The list of insurance companies with solutions appropriate to your company is long and we like that. It’s our job to shop the marketplace and bring you the insurance company that best fits your needs and can offer the most competitive price.
INSURANCE TO VALUE CALCULATIONS
In environments of high and low inflation, maintaining the proper insurance limits on your buildings is key. Insurance premiums are developed by taking an exposure times a rate. Adequate limits prevent you from being penalized in a loss or paying more in premiums.
SLIP, TRIP, FALL PREVENTION
If your facility has exposure to the general public, maintaining a safe walking environment free of hazards is critical to preventing slip/fall claims. When they do occur, having an effective CCTV camera system goes a long way to mitigating the value of a claim. Proper documents at the time of the accident, including a fully completed incident report, goes a long way too.
DRIVER TRAINING VIDEOS
Time is money. Getting your employees into the same spot for training wastes time. Instead, have your company phones send out shorter 60-90-second videos get your drivers thinking about safety in a cost effective matter and improve your bottom line.
MEDICAL PANEL REVIEW AND CONSULTATION
In the state Pennsylvania, you can direct care in the first 90 days from the Employees first visit. Working with the insurance companies to have a fully vetted medical panel of treating physicians will impact your claim dollars, which ultimately should result in a lower experience modification and premium savings.
CLAIMS MANAGEMENT / MITIGATION
Automobile insurance rates continue to trend upward year over year. Distracted driving increases accident frequency, and more technology in vehicles is “driving” up vehicle replacement costs. Working with our claims team to reduce costs associated with third-party liability claims will reduce your premiums!
FLEET SAFETY PROGRAMS
Having vehicles on the road every day is probably the largest severity exposure for most businesses. Make sure you have proper hiring procedures and put the right driver’s behind the wheel.
HR CONSULTATION
As a valued Liberty Insurance Agency client gaining access to our HR consultation team will provide you with a next level of HR related resources from real professional with industry experience.
HANDBOOK & EMPLOYEE POLICY DEVELOPMENT
MANAGEMENT LIABILITY TRAINING
SAFETY COMMITTEE FORMATION / CERTIFICATION
A state-certified safety committee will save you 5 percent off your Workers’ Compensation premium in Pennsylvania. Our team can help with implementing a new committee or keeping you in compliance and renewing your existing coverage.
FORK TRUCK TRAINING
Although we use them everyday, these indispensable tools can cause severe injuries. We’ve had them knock of scissors lifts and severely injure coworkers coming around the corner. Annual safety training on their operations is a must!
EMPLOYMENT PRACTICES LIABILITY INSURANCE
Suits in the workplace for wrongful termination and discrimination continue to trend upward. You have the ability to get your preferred council pre-approved prior to a claim. Have you had that conversation with your broker and insurer?
CYBER LIABILITY
The bad actors and cyber thieves are smart and cunning. Having a properly structured cyber policy covering first-party restoration/extortion expenses and a dedicated social engineering fraud endorsement is a must! It is now a matter of when, not if!
PRODUCT LIABILITY & MANUFACTURING E&O
Nuclear verdicts are changing rates in the market. We understand machine and job shops where your product ends up with various end uses. If your product/machine is part of an assembly line, considering E&O insurance is a must.
RTW PROGRAM IMPLEMENTATION
Getting your employees back to work when modified duty can be accommodated has been a proven long-term cost reducer. We understand each employer has a different approach. We can help you understand the restrictions and design a job either at your work or through a nonprofit arrangement.
WORKERS COMPENSATION AUDIT
The insurance company makes mistakes all the time, these mistakes can be costly when it comes to your Employees Workers Compensation codes. Our team members can review the state descriptions and help you avoid overpaying!
FORK TRUCK TRAINING
Although we use them everyday, these indispensable tools can cause severe injuries. We’ve had them knock of scissors lifts and severely injure coworkers coming around the corner. Annual safety training on their operations is a must!
ACTIVE SHOOTER TRAINING
Our Learning management system includes dozens of courses on various HR and Risk Management topics. In this day and age having your facility trained on what to do in an active shooter situation can save lives.
PROPER LIFTING TECHNIQUES
Soft-tissue injuries from lifting strains to backs and shoulders continue to be one of the top five drivers of severe claims.
VACATION HOME
Domestic travel to the sunny beaches along the eastern coast, gulf and western coast is ideal. You need an agent who can help you navigate this complex market and help you understand what to look for to best insure your home away from home.
LIFE INSURANCE
This provides financial compensation to your beneficiaries at the time of your death. Together we can evaluate the coverage needed for your family after you pass away so they will have financial security.
HOST LIABILITY
It’s such a joy to invite people into your home, but sometimes accidents happen. If you’re sued in a personal capacity, your liability coverage is what your policy will pay out for a settlement. This also includes the cost of defense. Let’s make sure your lifestyle and assets are protected by ensuring you have adequate liability coverage.
SERVICE LINE
Underground lines are covered up to a sublimit with many of our carriers for both pipe repair and excavation after a covered loss. Without this coverage, you may be left out of pocket to repair the sewer or other underground utility lines. Plus, this covers all your lines for a single annual fee rather than a separate monthly fee for each line through the utility companies.
RENTERS
Your belongings are your life when you rent. Don’t assume your landlord’s or parents’ policy will cover your belongings. Allow us to provide you coverage for your assets while renting.
AUTO INSURANCE
Don’t let a single moment define your financial life. Auto insurance isn’t just a state requirement, it’s a protection for the life you’ve built. We are here to listen to your needs and create an auto policy based on your driving habits and needs.
BUILDER’S RISK AND INSTALLATION FLOATER
It’s never a problem until it’s a problem. Having a properly structured builder’s risk or installation floater will protect you when job-site materials go missing.
LADDER AND FALL SAFETY
Keep your employees safe by using the Liberty Solution Center to have material available for your company’s next tool box talk.
SCAFFOLDING AND FALL PROTECTION
Preventing serious injuries to employees is important to every employer, the last thing anyone wants is to have someone experience an injury at work that impacts their ability
to live a normal life.
EMPLOYEES AND RTW PROGRAM
Accidents happen. Mitigate the costs of those claims with an effective return-to-work program. Reducing the medical and indemnity payments associated with a Workers Compensation claim will ultimately reduce your premium through a lower experience modification factor.
OSHA RECORDABLE TRACKING PROGRAM
Maintain your OSHA 300 logs in the Liberty Solution Center via our complimentary online product. Don’t pay for separate tracking software when ours is included!
CONTRACT REVIEWS
Risk transfer is a real thing and will impact your ability to recover from a subcontractors or general’s insurance policy in the event of a claim. You may still need to sign the contract, but going in educated on the risk you are assuming is best practice.
SURETY BONDING
Having cost-effective capacity available for our contractors to successfully bid public jobs both large and small is important. Our bonding department works exclusively with our contracting clients actively bidding these projects.
Founded in 1950, Liberty Insurance Agency is a second-generation, family-owned, independent insurance agency. Our mission is to have a continuous driven focus on our customers’ needs, a passionate quest for employee education and development, and meaningful stakeholder relationships.
From our humble beginnings as a small startup on Liberty Avenue, we’ve evolved into a digital-first agency with more than 60 employees in three locations: Pittsburgh, Westmoreland, and Allison Park.
We believe in a holistic approach to how our team navigates the complexities of the industry; it’s where data, insights, and our expertise intersect to find custom solutions for you. We create a true, ongoing partnership with you, by serving as your trusted consultant and advisor, through the Liberty Advantage approach.
A dedicated account management team will be assigned to you, delivering prompt, efficient, and personalized attention. With our relationship to over 20 of the nation’s top carriers, we can offer you the best and most comprehensive insurance options.
The Liberty Solutions Center is a customized portal providing time-saving HR and risk management resources.
Designed with you in mind, the Liberty Solutions Center combines efficiency with user-friendly tools to streamline your daily work tasks.
LEGAL NOTICE/DISCLAIMER: The information contained herein is provided solely for general informational purposes and is not intended to be a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions, and exclusions applicable to the products and services described. Products and services referenced herein may not be available in all jurisdictions. Copyright © Liberty Insurance 2022 All Rights Reserved.
