--- title: "Founder Shield vs Liberty Mutual: Professional Liability (E&O) Insurance" description: "Compare Founder Shield’s listed E&O defense and regulatory-response features with Liberty Mutual’s physician PL-only listing." canonical: "https://spot.insure/compare/foundershield-vs-liberty-mutual/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "foundershield-vs-liberty-mutual" provider-a: "foundershield" provider-b: "liberty-mutual" coverage-line: "professional-errors-omissions" --- 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/foundershield-vs-liberty-mutual/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Founder Shield and Liberty Mutual for Professional Liability (E&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 Professional Liability (E&O) Insurance questions about Founder Shield 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:** - Founder Shield vs Liberty Mutual for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Founder Shield or Liberty Mutual? - What does Founder Shield or Liberty Mutual publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Professional Liability (E&O) Insurance from Founder Shield or Liberty Mutual? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: Founder Shield 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:** - [Founder Shield vs Liberty Mutual](https://spot.insure/compare/foundershield-vs-liberty-mutual) — parent: all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line - [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile (evidence) - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [Founder Shield vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual Crime Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual D&O Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/foundershield-vs-liberty-mutual/fidelity-bonds) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual Telehealth Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/virtual-care-telehealth) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Founder Shield vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-foundershield/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-foundershield/professional-errors-omissions) — 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) # Founder Shield vs Liberty Mutual: How Do They Compare for Professional Liability (E&O) Insurance? Compare Founder Shield’s listed E&O defense and regulatory-response features with Liberty Mutual’s physician PL-only listing. ## How to Use the Founder Shield vs Liberty Mutual Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate Founder Shield and Liberty Mutual for Professional Liability (E&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. ## Founder Shield vs Liberty Mutual Professional Liability (E&O) Insurance Summary Founder Shield lists defense costs, regulatory-proceeding defense and lost-earnings coverage among E&O responses; Liberty Mutual lists a Physicians & Surgeons PL-only program. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") [10](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ## What Is Founder Shield Insurance? Founder Shield is a broker for venture-backed startups: you apply online in under 15 minutes, and an advisor shops its 200+ carrier markets to build a program that changes as your products and locations change. It doesn't insure you itself, so ask which insurer carries each policy. [1](https://foundershield.com/ "Founder Shield") [2](https://foundershield.com/startup-insurance/ "Startup Insurance") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [4](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [5](https://foundershield.com/terms-of-service/ "Terms of Service") [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) ## 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. [8](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [9](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## What Is Professional Errors and Omissions (E&O) Insurance? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [11](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [12](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [13](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [14](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## What Are the Key Differences Between Founder Shield and Liberty Mutual Professional Liability (E&O) Insurance? ### E&O response described for professional firms Founder Shield lists defense costs, defense against disciplinary or regulatory proceedings, lost earnings, and claims arising from employee or contractor errors among E&O responses. Liberty Mutual’s portfolio names Physicians & Surgeons Professional and labels it “PL Only.” That named physician category gives clinical buyers a focused inquiry, while Founder Shield’s listed features raise questions about how a nonclinical or technology firm’s work is defined. Both descriptions are marketing summaries; the issued wording controls actual protection. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") [10](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ### Relationship to technology and cyber policies Founder Shield says E&O is often packaged with technology E&O and cyber because the claims can intertwine. Liberty Mutual’s directory labels its Physicians & Surgeons program “PL Only,” which identifies the listed program category but does not say whether a buyer can place separate related policies. For a company with both service and technology exposures, ask how the proposed forms share limits or exclusions; a medical practice should ask its administrator what the “PL Only” designation means on the offered form. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") [10](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ## What Should You Confirm in Founder Shield and Liberty Mutual Professional Liability (E&O) Insurance Quotes? - Ask Founder Shield which carrier and form are proposed and whether E&O shares limits or exclusions with technology E&O or cyber. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") - Ask Liberty Mutual’s administrator to explain the PL-only label and identify the physician classes and services under consideration. [10](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") ## Founder Shield vs Liberty Mutual Professional Liability (E&O) Compared | Criteria | Founder Shield Errors & Omissions Insurance | Physicians & Surgeons Professional program | | --- | --- | --- | | Role in This Line | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Errors & Omissions Insurance with third-party carriers rather than underwriting the policy itself. [7](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..)

Founder Shield says E&O (professional liability) is often packaged with technology E&O and cyber coverage since the two types of claims tend to intertwine. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Errors & Omissions Insurance product page..) | Liberty Mutual lists a Physicians & Surgeons Professional program, marked “PL Only,” in its specialty-program portfolio. [10](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Issuing Insurer | Founder Shield says it places policies, including Founder Shield Errors & Omissions Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..) | Confirm in your quote. | | Who It’s For | Founder Shield markets E&O to venture capital firms, consultants, media and advertising agencies, SaaS marketplaces, and software developers who perform services for other parties. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Errors & Omissions Insurance product page..) | Liberty Mutual says its programs are managed by program administrators; the page provides program inquiry contact details. [10](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | Coverage Features | Founder Shield lists defense costs, defense against disciplinary or regulatory proceedings, lost-earnings coverage, and claims from errors by employees or contractors as what E&O responds to. [6](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) | The listing identifies professional liability only; it does not establish form terms, limits, exclusions or insurer for a quote. [10](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | How to Apply | You request Founder Shield Errors & Omissions Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. [7](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [10](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) | ## Related Pages for Founder Shield vs Liberty Mutual - [Founder Shield vs Liberty Mutual](https://spot.insure/compare/foundershield-vs-liberty-mutual): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [Founder Shield vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/cargo-transit) - [Founder Shield vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/commercial-property) - [Founder Shield vs Liberty Mutual Crime Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/crime) - [Founder Shield vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/cyber) - [Founder Shield vs Liberty Mutual D&O Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/directors-officers) - [Founder Shield vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/employment-practices) - [Founder Shield vs Liberty Mutual Fidelity Bonds](https://spot.insure/compare/foundershield-vs-liberty-mutual/fidelity-bonds) - [Founder Shield vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/fiduciary) - [Founder Shield vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/general-liability) - [Founder Shield vs Liberty Mutual Telehealth Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/virtual-care-telehealth) - [Founder Shield vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/umbrella-excess) - [Founder Shield vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-liberty-mutual/workers-compensation) - [AIG vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-foundershield/professional-errors-omissions) - [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) - [Alliance Risk vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/professional-errors-omissions) - [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions) - [Aon vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-foundershield/professional-errors-omissions) - [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions) ## Sources for Founder Shield vs Liberty Mutual ### Sources About Founder Shield 1. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15. 2. [Startup Insurance](https://foundershield.com/startup-insurance/). Founder Shield; What Coverage Does your Startup Need?; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider section. Accessed 2026-09-15. 3. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23. 4. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/). Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15. 5. [Terms of Service](https://foundershield.com/terms-of-service/). Founder Shield; Opening agreement; License Status; Representations and Disclaimers Related to Products or Services; Fees and Charges; Void Where Prohibited. Accessed 2026-09-15. 6. [Errors & Omissions Insurance](https://foundershield.com/coverage/errors-and-omissions-insurance/). Founder Shield; What Is Errors & Omissions Insurance?; Who Needs Errors & Omissions Insurance Coverage?; What Does Errors and Omissions Insurance Cover?. Accessed 2026-09-23. 7. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23. ### Sources About Liberty Mutual 8. [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. 9. [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. 10. [Programs](https://business.libertymutual.com/commercial-solutions/programs/). Liberty Mutual Business Insurance; ‘Our programs portfolio’ lists Auto Salvage/Dismantlers, Fire Suppression and Sprinkler Contractors, Nonprofits, Physicians & Surgeons Professional (PL only), Post-surgical for bariatric and plastic surgeries, Roofing Contractors, Scrap Metal Dealers, Self-storage, and Sports and Fitness. Page says programs are managed by program administrators; not a complete business catalogue.. Accessed 2026-09-29. ### Sources for the Professional Liability (E&O) Insurance Guide 11. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16. 12. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16. 13. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 14. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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. ## Founder Shield Review Scores for 2026 Review Score: 7.4 / 10 from 1 rated source, equally weighted. Founder Shield has too little independent customer feedback for a reliable verdict. One positive Trustpilot review does not establish a service track record. - Trustpilot: TrustScore 3.7 (5 stars); 1 reviews. Trustpilot profile for foundershield.com; one US customer review, categorized as insurance broker/business insurance. Period: Review 2023-03-14; none in prior 12 months. Checked 2026-09-25. [foundershield.com Reviews | Trustpilot](https://www.trustpilot.com/review/foundershield.com) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/foundershield/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/foundershield-vs-liberty-mutual/professional-errors-omissions.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)