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A look at Liberty Mutual’s
                                AUTO and HOME Voluntary Benefits program




SpiroProposal_FINAL_FC.indd 1                                               9/9/08 5:02:16 PM
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




SpiroProposal_FINAL_Tab-Text.indd 1                                                                                            9/4/08 8:17:46 PM
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.




SpiroProposal_FINAL_Tab-Text.indd 2                                                                9/4/08 8:17:53 PM
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.




SpiroProposal_FINAL_Tab-Text.indd 3                                                                                                                    9/4/08 8:18:02 PM
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.




SpiroProposal_FINAL_Tab-Text.indd 4                                                                                                                    9/4/08 8:18:11 PM
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.




SpiroProposal_FINAL_NoTab-Text.indd 5                                                                                                                                            8/27/08 3:42:04 PM
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.




SpiroProposal_FINAL_NoTab-Text.indd 6                                                                                    8/27/08 3:42:04 PM
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




SpiroProposal_FINAL_Tab-Text.indd 7                                                                                      9/4/08 8:23:21 PM
Sample Materials

                     Product Information                          Mail Stuffers / Desk Drops




                     Seminar Invitations   Email Communications                 Co-Branded Website




SpiroProposal_FINAL_Tab-Text.indd 8                                                                  9/4/08 8:23:31 PM
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.




SpiroProposal_FINAL_Tab-Text.indd 9                                                                                                9/4/08 8:23:43 PM
Sample Materials

                     Safety Guides




                     Checklists




                     Literature




SpiroProposal_FINAL_Tab-Text.indd 10    9/4/08 8:23:50 PM
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




SpiroProposal_FINAL_Tab-Text.indd 11                                                                                           9/4/08 8:24:03 PM
175 Berkeley Street, Boston, MA 02116
                      AFF 3 E 2008/08 VER             libertymutual.com/employers




SpiroProposal_FINAL_BC.indd 2                                                       9/9/08 4:57:44 PM

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Employer Proposal

  • 1. A look at Liberty Mutual’s AUTO and HOME Voluntary Benefits program SpiroProposal_FINAL_FC.indd 1 9/9/08 5:02:16 PM
  • 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 SpiroProposal_FINAL_Tab-Text.indd 1 9/4/08 8:17:46 PM
  • 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. SpiroProposal_FINAL_Tab-Text.indd 2 9/4/08 8:17:53 PM
  • 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. SpiroProposal_FINAL_Tab-Text.indd 3 9/4/08 8:18:02 PM
  • 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. SpiroProposal_FINAL_Tab-Text.indd 4 9/4/08 8:18:11 PM
  • 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. SpiroProposal_FINAL_NoTab-Text.indd 5 8/27/08 3:42:04 PM
  • 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. SpiroProposal_FINAL_NoTab-Text.indd 6 8/27/08 3:42:04 PM
  • 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 SpiroProposal_FINAL_Tab-Text.indd 7 9/4/08 8:23:21 PM
  • 9. Sample Materials Product Information Mail Stuffers / Desk Drops Seminar Invitations Email Communications Co-Branded Website SpiroProposal_FINAL_Tab-Text.indd 8 9/4/08 8:23:31 PM
  • 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. SpiroProposal_FINAL_Tab-Text.indd 9 9/4/08 8:23:43 PM
  • 11. Sample Materials Safety Guides Checklists Literature SpiroProposal_FINAL_Tab-Text.indd 10 9/4/08 8:23:50 PM
  • 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 SpiroProposal_FINAL_Tab-Text.indd 11 9/4/08 8:24:03 PM
  • 13. 175 Berkeley Street, Boston, MA 02116 AFF 3 E 2008/08 VER libertymutual.com/employers SpiroProposal_FINAL_BC.indd 2 9/9/08 4:57:44 PM