The liberty advantage for your business

Using the Liberty Advantage approach, our commercial insurance experts conduct a comprehensive analysis of each client’s commercial needs to create a customized program. Our advisors are experts on compliance issues; we’ll help you navigate and address regulations that are increasing and more complex than ever before.

We offer commercial insurance products through more than 30 major carriers, along with access to hundreds of additional insurers on a brokerage basis. Our preferred status with many of the top insurers translates to additional benefits for you.

Commercial services include, but are not limited to:

  • Program Management Services
  • Risk Control Services
  • Claims Management Services
  • Workers Compensation Services
  • Large Deductible and Captive Solutions
  • Fleet Safety

Property & Miscellaneous Products

  • Property
  • Equipment / Marine
  • Contract and Surety Bonds
  • Self-funded Programs
  • Flood and Earthquake
  • Transportation / Cargo
  • Builder’s Risk

Casualty Products

  • Liability
  • General
  • Pollution
  • Professional
  • Cyber
  • Employment Practices
  • Excess / Umbrella
  • Directors and Officers
  • Automobile
  • Worker’s Compensation
  • Fidelity/Crime
  • Fiduciary


Examples of industries we serve:
  • Manufacturers
  • Real Estate
  • Wholesalers
  • Engineers
  • Automobile Dealers
  • Construction
  • Restaurants
  • Health Care

Manufacturer Reduces Experience Modification Rates

Customer Challenge:

In spite of “doing all the right things,” a mid-sized plastics manufacturing company was having an Experience Modification Rate (EMR) problem; it was spending too much on its worker compensation insurance premiums.

The Liberty Advantage Solution:

Our initial assessment found that preventable losses continued to occur, even though virtually all proper risk prevention items were in place: Machine Guarding, Lock-out tag out, PPE requirements, etc. However, rather than presenting a standard, “laundry list” of services and recommendations, our team took the time to carefully inspect the company’s operations and interview key personnel. Our approach to the problem identified issues that otherwise would have been overlooked.

By knowing the right questions to ask, we discovered that the underlying issue was in supervisor accountability. Employees had strong camaraderie, but it was preventing supervisors from strictly enforcing processes and procedures among their teams. By serving as a partner and a trusted advisor, our team worked with the company to create customized accountability plan.

Working with ownership, we implemented the plan that empowered shop supervisors to better enforce the guidelines and create an even stronger culture of safety. The plan included additional training materials and resources for specific preventative action items. Our team also provided First Class Claims service to mitigate the loss dollar when an injury did occur.


Over a three-year period, the Workman’s Comp spend is at its all-time lowest, due to Experience Mod reduction and more favorable market pricing, based on the company’s loss ratio trends.

Retailer Updates Coverage and Realizes Reductions

Customer Challenge:

ABC Retailer is a regional chain with more than 20 franchise locations. ABC’s last renewal saw a significant price increase due to a change in the insurance market cycle. The company’s CFO was frustrated when his current broker delivered a $75,000 (35%) price increase three days prior to its renewal. For the previous five years, ABC’s premiums had remained stable and had even been reduced by 15 percent, despite several substantial customer slip/fall and sprain/strain Worker’s Compensation losses. 

Additionally, ABC was not keeping pace with emerging trends in the insurance marketplace. No new policies had been added to its program in more than eight years.

The Liberty Advantage Solution:

ABC’s CFO had always been comfortable with his current agent, albeit, he was upset with the renewal outcome just two months prior, so when Liberty contacted him to inquire about the opportunity to look at their policies, he reluctantly agreed to meet with the Liberty team. Our team explained Liberty’s unique approach to proactive risk management. As a risk advisor, it’s our job not just to finance through an insurance policy, but to address the many areas of risk for our customers. Our goal was to change the way the insurance companies looked at ABC Retailer.

At our request for analysis, ABC provided our team with full access to its current insurance program, policies, and loss information. So that we could really understand all aspects of ABC’s needs, we conducted in depth interviews with additional members of the management team regarding policy and procedure details. We reviewed a detailed approach to the upcoming renewal quoting process established a comprehensive service plan. 


Three months prior to its renewal date, The Liberty team was able to explain how all of these suggestions and assistance could be provided at no additional cost to ABC. In fact, we were able to outline a plan that would likely drop ABC’s insurance spend by 10 to 15 percent over a three year period. We also suggested additional policies with appropriate deductibles to cover exposures such as EEOC suits from disgruntled employees, along with cyber exposure coverage for online credit card transactions. 

The Liberty Advantage is truly a win-win for customers. In the case of ABC and many other customers, insurance company commissions cover the costs 90 percent of the time. Our team always explains the ROI potential, if additional fees are required.

96% of our customers rank our Commercial team as excellent or above average (Customer Satisfaction Survey).

The Pittsburgh Business Times Journal recognizes Liberty Insurance as the region’s fifth largest commercial insurance broker