---
title: "Embroker vs Liberty Mutual: Crime Insurance"
description: "Embroker describes standalone crime with a BOP or D&O endorsement alternative; Liberty Mutual combines crime with other management-liability coverages in ProShield."
canonical: "https://spot.insure/compare/embroker-vs-liberty-mutual/crime"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "embroker-vs-liberty-mutual"
provider-a: "embroker"
provider-b: "liberty-mutual"
coverage-line: "crime"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of Embroker and Liberty Mutual for Crime 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 Crime Insurance questions about Embroker 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:**
- Embroker vs Liberty Mutual for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Embroker or Liberty Mutual?
- What does Embroker or Liberty Mutual publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Embroker or Liberty Mutual?

**Key facts:**
- Line: Crime Insurance. Providers: Embroker 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Embroker vs Liberty Mutual](https://spot.insure/compare/embroker-vs-liberty-mutual) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile (evidence)
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Embroker vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/embroker-vs-liberty-mutual/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual D&O Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/management-liability) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual Surety Bonds](https://spot.insure/compare/embroker-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Embroker vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Crime Insurance](https://spot.insure/compare/aig-vs-embroker/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Embroker Crime Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Crime Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Embroker Crime Insurance](https://spot.insure/compare/aon-vs-embroker/crime) — 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)

# Embroker vs Liberty Mutual: How Do They Compare for Crime Insurance?

Embroker describes standalone crime with a BOP or D&O endorsement alternative; Liberty Mutual combines crime with other management-liability coverages in ProShield.

## How to Use the Embroker vs Liberty Mutual Crime Insurance Comparison

Use this comparison to evaluate Embroker and Liberty Mutual for Crime 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.

## Embroker vs Liberty Mutual Crime Insurance Summary

Embroker describes standalone crime or, for smaller businesses, an endorsement to a BOP or D&O policy; Liberty Mutual describes ProShield as a combined management-liability package. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## What Is Embroker?

Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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. [5](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [6](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

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

## What Is Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [11](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [12](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## What Are the Key Differences Between Embroker and Liberty Mutual Crime Insurance?

### Standalone or endorsement versus package

Embroker describes commercial crime as a standalone policy and says smaller businesses sometimes add it by endorsement to a BOP or D&O policy. Liberty Mutual describes ProShield as one package combining management-liability coverages. If you already carry a BOP or D&O policy, compare the proposed endorsement with the ProShield structure and check how limits and policy periods coordinate. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

### Listed crime categories and exclusions

Embroker lists employee and third-party theft, forgery, digital fraud and social engineering, and identifies exclusions including income loss and certain executive or partner crime. Liberty Mutual lists selected crime exposures as marketing summaries, not policy terms. Compare the cited lists without treating Liberty Mutual’s shorter summary as evidence that an exclusion is absent; request both full wordings. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## What Should You Confirm in Embroker and Liberty Mutual Crime Insurance Quotes?

- Ask Embroker which listed exclusions and crime agreements apply to the proposed policy. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies")
- Ask Liberty Mutual for ProShield’s crime wording, limits and endorsement terms. [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield")

## Embroker vs Liberty Mutual Crime Insurance Compared

| Criteria | Embroker Commercial Crime Insurance | Liberty Mutual ProShield Crime coverage |
| --- | --- | --- |
| Role in This Line | Embroker sells commercial crime as a standalone policy and says smaller businesses sometimes add crime coverage as an endorsement to a BOP or a directors and officers policy instead. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) | Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. [7](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..) |
| Who It’s For | Embroker points to businesses that hire part-time staff, handle cash transactions, manage inventory or expensive equipment, or handle customer data and digital transactions as more exposed and more likely to need the coverage. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'Who benefits most' section; not a formal underwriting appetite statement..) | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. [7](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 | Embroker lists coverage for employee theft (including shoplifting, embezzlement and larceny), third-party theft, forgery, digital fraud, money laundering, counterfeit currency and social engineering fraud. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker says the policy excludes loss of income, indirect losses, crimes committed by executives or partners in coordination with employees, third-party liabilities from crime losses, and cybercrime losses involving stolen patents, trade secrets or customer lists. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page What's not included section..)<br><br>Embroker distinguishes fidelity bonds from crime insurance: it says a crime policy typically carries higher limits, while a fidelity bond can reimburse customers who suffer crime-related damages. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page FAQ comparing fidelity bonds and commercial crime insurance..) | The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. [7](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 | Embroker says crime insurance pricing depends on factors like employee count and locations, revenue, office security measures and financial controls, and that fidelity bonds typically cost 0.5% to 2% of the bond value; it does not publish standard policy limits. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Company-reported; scope: Product-page 'What does Commercial Crime insurance cost?' section..) | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [7](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 | Confirm in your quote. | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. [7](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..) |
| How to Apply | The reviewed crime page does not describe a dedicated online quote flow for crime insurance the way Embroker's BOP and general liability pages do; it directs buyers to a general 'Get a Quote' link. [4](https://www.embroker.com/coverage/commercial-crime-insurance/ "Commercial Crime Insurance: Coverage & Policies") (Evidence: Not publicly disclosed; scope: Product page as read on 2026-09-23..) | Confirm in your quote. |

## Related Pages for Embroker vs Liberty Mutual Crime Insurance

- [Embroker vs Liberty Mutual](https://spot.insure/compare/embroker-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms.
- [Embroker vs Liberty Mutual Business Owner’s Policy](https://spot.insure/compare/embroker-vs-liberty-mutual/business-owners-policy)
- [Embroker vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/commercial-auto)
- [Embroker vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/commercial-property)
- [Embroker vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/cyber)
- [Embroker vs Liberty Mutual D&O Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/directors-officers)
- [Embroker vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/employment-practices)
- [Embroker vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/fiduciary)
- [Embroker vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/general-liability)
- [Embroker vs Liberty Mutual Management Liability Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/management-liability)
- [Embroker vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/professional-errors-omissions)
- [Embroker vs Liberty Mutual Surety Bonds](https://spot.insure/compare/embroker-vs-liberty-mutual/surety-bonds)
- [Embroker vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/technology-errors-omissions)
- [Embroker vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/workers-compensation)
- [AIG vs Embroker Crime Insurance](https://spot.insure/compare/aig-vs-embroker/crime)
- [AIG vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/crime)
- [Alliance Risk vs Embroker Crime Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/crime)
- [Alliance Risk vs Liberty Mutual Crime Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/crime)
- [Aon vs Embroker Crime Insurance](https://spot.insure/compare/aon-vs-embroker/crime)
- [Aon vs Liberty Mutual Crime Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/crime)

## Sources for Embroker vs Liberty Mutual Crime Insurance

### Sources About Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Commercial Crime Insurance: Coverage & Policies](https://www.embroker.com/coverage/commercial-crime-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Commercial Crime insurance?; What's covered; What's not included; What's the difference between Fidelity Bonds and Commercial Crime insurance?; What does Commercial Crime insurance cost?. Accessed 2026-09-23.

### Sources About Liberty Mutual

5. [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.
6. [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.
7. [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.

### Sources for the Crime Insurance Guide

8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.
9. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
11. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
12. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Embroker Review Scores for 2026

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/embroker/reviews).

## Liberty Mutual Review Scores for 2026

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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/embroker-vs-liberty-mutual/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)