Voluntary Auto & Home Insurance

1. A look at Liberty Mutual’s
AUTO and HOME Voluntary Benefits program
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2. FOR YOU
Happy employees
are better employees.
You value your employees. They make you who you are. So why not
reward them with a valuable money-saving benefit? At Liberty Mutual,
we’ve got the answer—our AUTO and HOME Voluntary Benefits program.
Through this program, your employees can receive exclusive group
insurance discounts while your company enhances its benefits
package—with no direct cost to you. And our program is hassle-free
and easy to implement.
The proven choice in voluntary benefits.
Since 1970, Liberty Mutual’s AUTO and HOME Voluntary Benefits
program has given employers a powerful tool to help attract and
retain employees.
Today, our AUTO and HOME Voluntary Benefits program is the most
sponsored program in the industry, with more than 5,000 companies
nationwide offering these benefits to their employees. It’s the only
program that combines:
I High customer satisfaction. 98% of our policyholders intend to
repurchase insurance with Liberty Mutual and 97% would
recommend us.
I High-quality insurance from a company you know and trust. As one
of the largest multiline insurance providers in the North American
property and casualty industry, we can offer your employees a wide
I’m always looking for ways to range of insurance programs, not to mention the peace of mind that
comes with dealing with a Fortune 100 company.
expand the offering that we provide I On-site education. We’ll engage employees and help them make
to our employees at Oracle. The informed financial decisions with our on-site educational seminars.
I Marketing support. We help you increase participation and
Liberty Mutual program has been awareness among your employees. We’ll even provide quarterly
an excellent addition and has reports of results, helping you track participation.
I Convenient enrollment. We’ll enroll your employees when and where
expanded the comprehensive it’s convenient for them—through two call centers, at more than 350
local offices, through a customized, co-branded website or during
offering that we provide. on-site visits from Liberty Mutual representatives.
RHONDA DAVIDSON
I Personal assistance and support. Your Liberty Mutual account team
will help you manage and promote the program.
SENIOR BENEFITS MANAGER,
ORACLE CORPORATION
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3. Enrolling is easy.
We designed our program to reduce administrative burdens.
When you choose Liberty Mutual, a dedicated account team will help
manage our relationship.
Your employees will receive personalized service from trained
professionals in one of our 350 local sales offices. They can access us
through the internet or call our toll-free direct response center, which is
open Monday through Friday, 7am to 11pm ET, and on weekends. Our
licensed insurance professionals review employees’ needs, explain
the coverages available, and help them make cost and coverage
comparisons. Most importantly, your employees initiate the enrollment
process. There’s no pressure.
It doesn’t cost you anything to offer Liberty Mutual’s AUTO and HOME
Voluntary Benefits program to your employees, and there is no
minimum participation level. Our experience shows that when we form
solid partnerships with our clients, participation usually reaches 23%
by the fifth year.
We recommend offering payroll deduction1 to your employees. Payroll
deduction is easy to implement—our billing specialists will work
directly with your payroll department—and employees love the savings
they receive. Your employees have no down payment and no billing
fees.
Once employees enroll, they’ll enjoy the convenience of automatic
payroll deduction or checking account withdrawal—all with minimal
monthly maintenance by the HR department and tailored to fit your
existing payroll system. We can also direct-bill employees at their
home addresses. We’re flexible.
1
For employer groups of 100+ employees.
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4. We’ve got them
covered.
With Liberty Mutual’s AUTO and HOME Voluntary Benefits program,
we help to deliver superior insurance protection as well as exclusive
savings and benefits to your employees—right in the workplace.
We work hard to offer protection that lets your employees live their lives
FOR E M P LOY E E S
and concentrate on what matters most. When things go wrong, we’re
there for them. And, just as important, we help them avoid accidents and
damage in the first place.
WHAT THEY NEED LIBERTY MUTUAL DELIVERS
Affordable insurance products I Auto Insurance
I Homeowners Insurance
I Personal Liability Protection
I Condominium Insurance
I Renters Insurance
I Identity Fraud Expense Coverage
I Motorcycle Insurance
I Watercraft Insurance
Savings I Up to 10% off by participating in
this program, with an average
savings of $327.961
Our employees feel that they are I Many other discounts off our already
competitive prices
important to Liberty Mutual. This
Convenience I Easy enrollment and a choice of
personal touch has been the key to payment options, including payroll
the success of our auto and home deduction for no additional cost
voluntary benefits program. Personal attention I 24-Hour Claims Service
I 24-Hour Emergency
DREW MURPHY Roadside Assistance
DIRECTOR OF BENEFITS, I 24-Hour Emergency
BROWN UNIVERSITY Home Repair Service
I 350 Local Offices
I 2 Call Centers
Education I Educational seminars and on-site
events to keep your employees safe
and help them make smart financial
decisions
1
Figure based on a February 2008 national sample of auto policy savings when
comparing customers’ former premium with those of Liberty Mutual’s, when the
policyholder is affiliated with a group that participates in the AUTO and HOME Voluntary
Benefits program. Individual premiums and savings will vary. To the extent permitted by
law, applicants are individually underwritten; not all applicants may qualify for insurance.
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5. Savings they deserve.
Your employees are eligible for an exclusive group
discount on auto and home insurance and, by
insuring with Liberty Mutual, they may also receive
additional discounts.1 These discounts include:
AUTO
I Multi-Car
I Passive Restraint
I Antilock Brakes
I Anti-Theft Device
I Driver Training
I Accident Prevention Course Credit
I College Education
HOME
I Burglar Alarm
I Fire Alarm
I Insured to Value Credit
I Inflation Protection Credit
I Multi-Policy
I Safe Homeowner
I New/Renovated Home Credit
No time? No problem! Our employees really appreciate
Each employee has his or her unique enrollment
preferences. That’s why our AUTO and HOME Liberty Mutual’s responsiveness,
Voluntary Benefits program lets employees enroll
and I do as well. We find that
when and where they want.
Liberty Mutual representatives are
Choice of enrollment/service options
cooperative, helpful and easy to
I Local Sales Office
I Call Center
work with.
I Online JOANN CHAPPIE
I On-site visits from Liberty Mutual representatives CORPORATE BENEFITS ADMINISTRATOR,
NORTON SAINT-GOBAIN CORPORATION
Choice of payment options
I Payroll Deduction
I Electronic Funds Transfer (EFT)
I Online
I Direct Billing
1
Discounts are available where state laws and regulations allow, and may vary by state.
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6. Insurance they can count on.
Your employees need insurance, but like anyone, they hope they’ll never need to use it. Should an accident happen,
however, they’ll be glad they chose Liberty Mutual.
With Liberty Mutual, customers get what they expect: immediate, courteous help with claims, and no hassles.
Liberty Mutual also offers information to help prevent accidents, home fires and theft. Our complimentary
Liberty Lines magazine, for example, describes the most common causes of household fires, tells customers
which cars perform better in crashes, offers advice for new teen drivers and describes safer driving techniques.
We work hard to offer protection that lets your employees live their lives and concentrate on what matters most.
When things go wrong, we’re there for them.
AUTO
Mechanical Parts Replacement. We will fully cover the replacement of damaged parts—such as tires,
mufflers or batteries—resulting from a covered loss, without depreciation.
Car Windshield Repairs. We’ll arrange for service at a customer’s home, workplace or other convenient
location if the customer’s windshield or other safety glass is damaged—and we guarantee a quality repair or
replacement.*
New Car Replacement. If a new car is declared a total loss, we’ll pay the cost to replace it, with no
depreciation charged. We can even help our customers find their next vehicles.1
Unlimited Rental. We’ll provide unlimited days of rental coverage if a customer is in a covered accident,
allows us to arrange the rental and chooses to have the car repaired at a Liberty Mutual-approved facility.*
Towing and Labor. We’ll pay the entire charge to have the customer’s car towed if we’re allowed to arrange
the tow. Otherwise, we’ll pay towing charges up to the policy limits. And if a tow is not required to get a
customer back on the road, we’ll pay the labor charges for services such as changing a tire or bringing gas,
up to the policy limits.*
Accident Forgiveness. For maintaining a loss-free record with us for five years, a customer will have the
surcharge waived for his or her first accident.2
New Customer Accident Forgiveness. For qualifying new customers, premiums will not increase after the
first accident.2
HOME
Extra Coverage for Your Valuables. This coverage protects certain high-value items such as jewelry,
art or camera equipment.*
Expanded Coverage. This coverage provides higher policy limits and additional benefits—including
coverage that may be needed to rebuild customers’ homes; replace personal property, locks or refrigerator
contents; or add higher limits for valuable possessions.3*
Temporary Living Expense. If a customer’s home is unlivable due to a covered loss, we’ll cover the additional
expenses incurred for the customer to live elsewhere for up to 12 months.
Loss Forgiveness. When customers maintain a loss-free record with us for five years, the surcharge for their
first loss will be waived.4
* Optional coverage must be added to the customer’s auto or home policy.
1
Applies to a total loss under collision or comprehensive coverage. The car must be less than one year old, have fewer than 15,000 miles and
have had no previous owner. This program does not apply to leased vehicles or motorcycles, nor is it available in all states. Deductible
applies.
2
Forgiveness for first accident is not available in all states, and is subject to eligibility requirements. Please contact Liberty Mutual for details.
3
Not available in all states.
4
Forgiveness for a loss is not available in all states, and is subject to eligibility requirements. Please contact Liberty Mutual for details.
The descriptions of coverages and programs are necessarily brief and are subject to policy provisions, limitations, and exclusions that can
only be expressed in the policy itself. Coverages and programs vary by state and are not available in all states. For a complete explanation of
coverages, please consult a sales representative.
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7. Service they can count on.
We pride ourselves on our range of services, including:
I On-Site Support. At your request, our representatives will visit your
workplace to help employees understand their insurance options
and needs.
I Convenient Local Offices. Employees can visit any one of our 350 offices
throughout the U.S.
I Two Call Centers. Staffed with over 400 licensed insurance representatives.
I After-Hours Policy Services. Customers can call our customer service
representatives for expert help with questions regarding their policies and
billing after normal business hours and on weekends.
I 24-Hour Claims Assistance. Customers can call or go online, any time!
I 24-Hour Emergency Roadside Assistance. We’ll arrange for emergency
help any time, anywhere in the U.S. or Canada. The arrangements are free,
and if a customer has our Towing and Labor coverage, services provided will
be free of charge as well.
I Fast Appraisals. Our customers enjoy quick appraisals, and if they choose
to have their cars both appraised and repaired with one stop at a Liberty
Mutual-approved repair facility, we’ll even wash their cars when the repairs
are done!
I Lifetime Guarantee. We are so confident in the quality of the work done
through our Total Liberty Care facilities1 that we guarantee it for as long as
the customer owns the vehicle.
I 24-Hour Emergency Repair Service. Customers can contact our 24-hour
emergency repair service if they have a covered home emergency. We’ll
immediately send someone to protect the home from further damage.
I Contractor Network Referral. Customers can contact us if they’re looking
for a contractor to repair damage incurred in a covered loss. We’ll refer them
to a qualified contractor, and the customer will enjoy quick, dependable
service that’s guaranteed for one year.
I Personal Property Replacement Service. Customers who lose property
will enjoy our personal property replacement service. Drawing from a vast
database of items, in many cases, we can locate the exact items the
customer lost—or the closest match—and ship them out quickly.
I Catastrophe Rapid Response Unit. This dedicated unit responds
immediately to storm-impacted areas, so claims will be resolved efficiently,
even when claim volumes are high.
1
Not available in Alaska. The same service is provided under the Superior Service Program in Massachusetts.
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8. Increase employee
participation.
We will work with you to devise a marketing plan that best suits your
needs. As part of this program, you will be provided with co-branded
marketing materials that will create awareness among your employees
and increase participation.
Marketing Plan
PA R TIC I PAT ION
We have about 40% participation
in these programs and we feel
this is the kind of benefit that
separates Monster from some of
our competitors.
JEFF TAYLOR
FOUNDER, MONSTER WORLDWIDE
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9. Sample Materials
Product Information Mail Stuffers / Desk Drops
Seminar Invitations Email Communications Co-Branded Website
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10. On-site support and education
bring benefits to life.
High-quality insurance is only part of our AUTO and HOME Voluntary
Benefits program. We also offer on-site educational programs and
special events to help increase participation and keep your employees
safe and secure. On average, 75% of all employer groups offer on-site
access to our sales reps.
For more than 95 years, Liberty Mutual’s mission has been to help
people live safer, more secure lives. As a leader in safety, Liberty Mutual
is the only insurer to own and operate its own research center—the
Liberty Mutual Research Institute for Safety. For decades, we have
worked on behalf of our customers, conducting research on potential
hazards and developing solutions.
Our innovations have made life safer—at home, on the highway and
on the job. Now you can leverage our ongoing commitment to safety by
offering Liberty Mutual’s on-site community marketing programs to
your employees.
Educational Seminars:
I Identity Fraud
I Auto Insurance 101
I Homeowners Insurance 101
I Safe Driving
I Personal Liability Protection
I Gas Savings
If you don’t have a way to bring
I Online Safety
benefits to life, then all you have
is benefits in a folder. What I like Special Events:1
I Bike Safety Training
about this program is the on-site I Fingerprinting – Child Identification
nature of it.
E D UC A TI ON
I Seatbelt Education
I SADD/Teen Driving
JEFF TAYLOR
FOUNDER, MONSTER WORLDWIDE
I Safelite AutoGlass VIN Etching
I Fire Safety
I McGruff the Crime Dog
1
Not available in all states.
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11. Sample Materials
Safety Guides
Checklists
Literature
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12. None of the hassles.
All of the benefits.
Enrollment is part of Liberty Mutual’s marketing plan, an important
aspect of the program. When your partnership with Liberty Mutual
begins, we will then discuss implementation. We suggest the following:
TIMING ACTIONS
Month 1 Meeting with Liberty Mutual to discuss implementation
of program, marketing plan, payroll setup and any
ideas or concerns you may have.
Months 1 & 2 Comprehensive marketing and communication plan
finalized for the year. Samples of announcement
materials will be presented for your review.
Liberty Mutual to obtain mail file and materials
(logos, signatures) for mailing.
Month 2 Program rollout to employees via internal
communications, email, newsletters, intranet,
stuffers, flyers, etc.
Months 2 & 3 Liberty Mutual representatives are available to come
on-site for information sessions and enrollment.
Program marketing materials will clearly display both
local and toll-free numbers to encourage employees
The support has just been to call Liberty Mutual directly with questions or for
enrollment.
tremendous. They have worked
Month 4 Mailings distributed to employees at home or at
very hard...to make sure that we the workplace.
have what we need to make the Months 5 & 6 Meeting with Liberty Mutual to discuss results to
date and to review marketing plans.
program successful.
MITCH LEONARD Ongoing Follow-up communication materials distributed
to employees.
DIRECTOR OF MEMBERSHIP &
DISTRICT RELATIONS,
STATE EMPLOYEES ASSN, NORTH CAROLINA
GE T T I NG S TA RT ED
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13. 175 Berkeley Street, Boston, MA 02116
AFF 3 E 2008/08 VER libertymutual.com/employers
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