Liberty Mutual

Liberty Mutual generates $3.2B in WC premiums from Fortune 1000 clients, where its guaranteed cost programs deliver predictable pricing that is 8% lower than the industry benchmark for companies with fewer than 200 lost-time claims annually. Its risk management consultants embed on-site with large accounts, reducing incident frequency by an average of 25% over three years—a result that outperforms #4 Zurich North America's post-assessment reduction rate of 20%. Liberty Mutual also reports a first-contact resolution rate of 38% for its direct-to-employer claims line, compared to the industry average of 30%.