---
title: "Aon vs Liberty Mutual: Fiduciary Liability Insurance"
description: "Liberty Mutual presents fiduciary inside ProShield with selected features; Aon lists the line without package or coverage details."
canonical: "https://spot.insure/compare/aon-vs-liberty-mutual/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-liberty-mutual"
provider-a: "aon"
provider-b: "liberty-mutual"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-liberty-mutual/fiduciary)

## Agent Guide

**What this page is:** Focused comparison of Aon and Liberty Mutual for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about Aon versus Liberty Mutual. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Aon vs Liberty Mutual for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Aon or Liberty Mutual?
- What does Aon or Liberty Mutual publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from Aon or Liberty Mutual?

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Aon and Liberty Mutual.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Aon vs Liberty Mutual](https://spot.insure/compare/aon-vs-liberty-mutual) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Aon vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/kidnap-ransom) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-aon/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-beazley/fiduciary) — sibling comparison (other line, or other pair for this line)

# Aon vs Liberty Mutual: How Do They Compare for Fiduciary Liability Insurance?

Liberty Mutual presents fiduciary inside ProShield with selected features; Aon lists the line without package or coverage details.

## Research Scope and Use

Use this comparison to evaluate Aon and Liberty Mutual for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Liberty Mutual presents fiduciary inside ProShield with selected features; Aon lists the line without package or coverage details. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## What Is Aon?

Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [2](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients")

[Aon profile](https://spot.insure/insurance-providers/aon)

## What Is Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [4](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [5](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [7](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [8](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Placement and Plan Fit

Liberty Mutual includes fiduciary liability in its ProShield management-liability package for private and nonprofit organizations. Aon lists fiduciary coverage as a line in its Professional Services Practice for law, accounting, and consulting firms, without saying it is bundled. The package route may matter to a buyer seeking several management-liability protections together; an Aon buyer should ask whether the proposed fiduciary placement stands alone or shares a program. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

### Published Coverage and Services

Liberty Mutual describes protection for fiduciaries, plans, and sponsors, with selected defense-cost and compliance features, but points to the policy form for terms. Aon’s page does not describe fiduciary grants or limits. Both summaries leave essential wording unresolved, so compare insured entities, covered acts, defense treatment, and any shared aggregate in the actual proposals. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask Liberty Mutual which ProShield coverages and fiduciary features are included in the quote. Ask Aon whether the proposed policy shares limits with other lines and who issues it. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## Offering Details

| Criteria | Aon Fiduciary Liability brokerage and risk-advisory offering | Liberty Mutual ProShield Fiduciary Liability |
| --- | --- | --- |
| Role in This Line | Aon presents Fiduciary Liability as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement..) | Liberty Mutual includes fiduciary liability in its ProShield management-liability package. [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Issuing Insurer | The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Not found in reviewed sources; scope: Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement..) | Confirm in your quote. |
| Who It’s For | Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement..) | The source scopes ProShield to private and not-for-profit organizations; it does not establish eligibility for a particular plan or sponsor. [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Coverage Features | Aon lists Fiduciary coverage within the professional-services practice’s property-and-casualty coverages. The page does not describe covered fiduciary acts, plans, exclusions or policy terms. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage..) | The page describes protection for fiduciaries, benefit plans and sponsors against fiduciary-duty exposures and lists selected defense-cost and compliance features; the policy form determines terms. [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| Limits and Retentions | The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Not publicly disclosed; scope: Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| Risk Services | Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. [3](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice "Professional Services Practice") (Evidence: Company-reported; scope: Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated..) | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [6](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") (Evidence: Company-reported; scope: Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |

## Full Comparison

- [Aon vs Liberty Mutual](https://spot.insure/compare/aon-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Aon vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-property)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime)
- [Aon vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/cyber)
- [Aon vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/directors-officers)
- [Aon vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/employment-practices)
- [Aon vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/general-liability)
- [Aon vs Liberty Mutual Kidnap and Ransom Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/kidnap-ransom)
- [Aon vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/management-liability)
- [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions)
- [Aon vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/umbrella-excess)
- [Aon vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/workers-compensation)
- [AIG vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-aon/fiduciary)
- [AIG vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/fiduciary)
- [Alliance Risk vs Aon Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/fiduciary)
- [Alliance Risk vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/fiduciary)
- [Aon vs The Baldwin Group Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/fiduciary)
- [Aon vs Beazley Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-beazley/fiduciary)

## Sources

### Aon

1. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed.. Accessed 2026-09-29.
2. [Middle Market Clients](https://www.aon.com/en/capabilities/middle-market-clients). Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page.. Accessed 2026-09-29.
3. [Professional Services Practice](https://www.aon.com/en/capabilities/risk-transfer/professional-services-practice). Aon; Named professional-services audiences and global advisory role, lines 125–128; line offerings and explanations lines 131–190; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule.. Accessed 2026-09-30.

### Liberty Mutual

4. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
5. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
6. [ProShield](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/). Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms.. Accessed 2026-09-29.

### Fiduciary Liability Insurance Guide

7. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
8. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
9. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Aon Reviews

Review Score: 6.1 / 10 from 3 rated sources, equally weighted.

Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.

- J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com)
- BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291)
- BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aon/reviews).

## Liberty Mutual Reviews

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

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