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. 1,2
What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 4,5,6
Read the Nationwide Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 8,9,10,11,12
Key Differences in Umbrella and Excess Liability Insurance
Underlying Coverage and Quote Intake
Nationwide describes umbrella excess as an added liability layer above underlying policies such as general liability or business auto, and says the quote depends on the business and its underlying coverage. Liberty Mutual lists umbrella/excess for wholesale industries, distributed through brokers and agents, but its reviewed claims do not specify the information needed for a quote or which underlying policies are required. Ask each placement to identify every scheduled policy and the point where excess protection begins. 7 3
Route to a Quote
Nationwide directs prospects to an agent or quote request and asks for business, policy, loss and payroll information. Liberty Mutual identifies broker and agent distribution but no workers’ compensation application process. Nationwide’s source therefore names the information to prepare; Liberty Mutual’s agent should confirm the submission requirements for its wholesale option. 7 2
What to Confirm in Umbrella and Excess Liability Insurance Quotes
- Which underlying policies and loss, payroll or business details will Nationwide require, and what attachment terms will the quote show?
- Which Liberty Mutual wholesale class accepts your business, and what information must your broker submit?
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Liberty Mutual
Review Score
2 rated sources
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.[4][1]
Read Liberty Mutual reviewsNationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsOffering Details
Liberty Mutual vs Nationwide: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Umbrella and Excess Liability | Nationwide umbrella excess (official overview) |
|---|---|---|
| Role in This Line | Liberty Mutual lists umbrella and excess liability in its commercial catalogue and in a wholesale-industry coverage list. 2,3Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | Nationwide describes offering umbrella excess for the audience stated on the cited product page. 7Company-reported. umbrella excess marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Who It’s For | The commercial business pages distribute products through brokers and agents. 2,3Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | Businesses with underlying liability coverage; Nationwide requests business, policy, loss, and payroll information for a quote. 7Company-reported. umbrella excess marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Coverage Features | Its wholesale page names umbrella/excess cover as an option for that industry; limits and attachment terms are not established here. 2,3Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Umbrella and Excess Liability. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | The cited product page describes an added liability layer above underlying policies such as general liability or business auto; the page says terms and quote depend on the insured's business and underlying coverage. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. umbrella excess marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
| Limits and Retentions | Confirm in your quote. | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 7Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | 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. 2,3Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 7Company-reported. umbrella excess marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. |
Full Comparison
More Liberty Mutual vs Nationwide Comparisons
Other Umbrella and Excess Liability Insurance Comparisons
Sources
Liberty Mutual
- 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.
- Commercial Insurance 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.
- Wholesale Distribution. Liberty Mutual Business Insurance; Wholesale coverage options list includes cargo stock throughput, commercial auto, cyber, D&O, environmental, general liability, inland marine, management liability, property (including equipment breakdown), trade credit, umbrella/excess and workers compensation. Industry-specific examples, not universal eligibility. Accessed 2026-09-29.
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Commercial Umbrella Liability Insurance from Nationwide. Nationwide; How commercial umbrella works; underlying policies and additional-liability layer. Accessed 2026-09-30.
Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
