--- title: "Embroker vs Liberty Mutual: D&O Insurance" description: "Embroker publishes startup-stage limit and retention examples; Liberty Mutual names inquiry coverage but no amounts." canonical: "https://spot.insure/compare/embroker-vs-liberty-mutual/directors-officers" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "embroker-vs-liberty-mutual" provider-a: "embroker" provider-b: "liberty-mutual" coverage-line: "directors-officers" --- 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/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Embroker and Liberty Mutual for D&O 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 D&O 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 D&O Insurance: how do they differ? - Which is better for D&O Insurance, Embroker or Liberty Mutual? - What does Embroker or Liberty Mutual publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from Embroker or Liberty Mutual? **Key facts:** - Line: D&O 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 2026-09-30. 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 - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — 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 Crime Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/crime) — 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 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 D&O Insurance](https://spot.insure/compare/aig-vs-embroker/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Embroker D&O Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Embroker D&O Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) # Embroker vs Liberty Mutual: How Do They Compare for D&O Insurance? Embroker publishes startup-stage limit and retention examples; Liberty Mutual names inquiry coverage but no amounts. ## How to Use the Embroker vs Liberty Mutual D&O Insurance Comparison Use this comparison to evaluate Embroker and Liberty Mutual for D&O 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 D&O Insurance Summary Embroker gives illustrative D&O limits and retentions by funding stage. Liberty Mutual’s ProShield overview highlights investigation and pre-claim inquiry coverage without figures. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") [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 Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [9](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [10](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between Embroker and Liberty Mutual D&O Insurance? ### Policy limits and terms shown to buyers Embroker publishes illustrative D&O, EPLI and fiduciary limit and retention ranges by startup funding stage: companies raising up to $10 million are shown roughly $1–2 million limits and $10,000–$25,000 retentions, while a $100–250 million raise is shown at $8–10 million limits and $25,000–$75,000 retentions. Liberty Mutual’s ProShield overview names investigation and pre-claim inquiry coverage but no amounts. Treat Embroker’s figures as examples and compare actual schedules. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ### How the coverage is packaged Embroker offers D&O standalone or alongside cyber and workers’ compensation, and says it may also sit in a management-liability program. Liberty Mutual describes ProShield as a combined management-liability package designed to reduce separate endorsements. Founders should check whether their quote has a shared aggregate across lines and whether the price reflects comparable coverage parts. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") [7](https://business.libertymutual.com/commercial-insurance-solutions/management-liability/proshield/ "ProShield") ## What Should You Confirm in Embroker and Liberty Mutual D&O Insurance Quotes? - Which Embroker funding-stage example most closely matches the company, and what limits and retention are actually quoted? What ProShield coverages share an aggregate? Are defense costs inside limits, and how are investigations and pre-claim inquiries treated? ## Embroker vs Liberty Mutual D&O Insurance Compared | Criteria | Embroker Directors and Officers Insurance | Liberty Mutual ProShield Directors and Officers coverage | | --- | --- | --- | | Role in This Line | Embroker sells D&O as a standalone policy and offers to package it with cyber and workers' compensation; it also says EPLI, D&O and related coverages are sometimes bundled into a management liability program. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) | Liberty Mutual includes D&O coverage in its ProShield management-liability package. [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 markets D&O to any private or public company with a board of directors, startups that have received or are about to receive venture capital funding, and nonprofit corporations, saying VC and private equity investors commonly require it before funding. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company..) | The source describes private-company and not-for-profit ProShield options; it does not establish availability for every organization. [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 misuse of company funds, misrepresentation of company assets, breach of fiduciary duty, failure to comply with workplace laws and lack of corporate governance. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)

Embroker says the policy excludes lawsuits between members of the same company, criminal or deliberately fraudulent activity, prior-knowledge claims, and claims against directors actively engaged in antitrust violations. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page What's not included section..)

Embroker structures its D&O policy with three insuring agreements: Side A covers individual directors and officers when the company cannot indemnify them, Side B reimburses the company for indemnifying its leaders, and Side C covers the company itself when it is sued for financial mismanagement. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page 'What are Side A, B, and C insuring agreements?' section; specific policy structure, not a claim about every insurer's D&O form..) | The page lists selected D&O features such as investigation and pre-claim inquiry coverage and separate options for private and not-for-profit companies; policy wording controls. [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 | For its startup package, Embroker publishes illustrative D&O/EPLI/fiduciary limit and retention ranges by funding stage, from roughly $1-2 million in limits with a $10-25k retention for companies raising up to $10 million, up to $8-10 million in limits with a $25-75k retention for companies raising $100-250 million. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting..) | 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 | Embroker offers an online quote for D&O coverage through its digital platform, describing underwriting factors including revenue, industry risk and claims history. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research..) | Confirm in your quote. | ## Related Pages for Embroker vs Liberty Mutual D&O Insurance - [Embroker vs Liberty Mutual](https://spot.insure/compare/embroker-vs-liberty-mutual): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [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 Crime Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/crime) - [Embroker vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/embroker-vs-liberty-mutual/cyber) - [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 D&O Insurance](https://spot.insure/compare/aig-vs-embroker/directors-officers) - [AIG vs Liberty Mutual D&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/directors-officers) - [Alliance Risk vs Embroker D&O Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/directors-officers) - [Alliance Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/directors-officers) - [Amelia Risk vs Embroker D&O Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/directors-officers) - [Amelia Risk vs Liberty Mutual D&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/directors-officers) ## Sources for Embroker vs Liberty Mutual D&O 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. [Directors & Officers Insurance Coverage: D&O Explained](https://www.embroker.com/coverage/directors-officers-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Directors and Officers (D&O) insurance?; What's covered; What's not included; What are Side A, B, and C insuring agreements?; What does Directors and Officers 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 D&O Insurance Guide 8. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 9. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 10. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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. ## 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/directors-officers.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)