A Partner for Your Success

FOR AGENTS AND BROKERS

Table of Contents

4 Liberty Mutual Insurance: Committed to Your Success

6 Products and Services: Tailored to You and Your Clients

8 Our Focus: An Appetite for Mutual Success

10 Agent and Broker Support: It’s All About Helping You Succeed

14 Risk Control: A Business-Building Approach

16 Exceptional Customer Service: Our Formula for Success

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Liberty Mutual Insurance: Committed to Your Success

We help you grow your business with property and casualty (P&C) and employee benefits products for accounts of all sizes and needs, including industry-specific coverages, packages, and customizable options. Your business is supported by strong services for both you and your clients, including superior claims management expertise, and risk control that applies research and experience to reduce broad exposures. No matter how complex or straightforward your clients’ needs are, our approach to partnership makes it easier for you to succeed.

Our Promises to YouYou go the extra mile to make sure your clients have the right coverage. Our deep understanding of your business, our investment in new tools and technology, and our local, knowledgeable staff enable us to deliver on our promises to you:

Strong Partnerships

Deep understanding of your business to help deliver solutions and mutually profitable growth

Broad, Innovative Products

Competitive products and industry-leading services to meet a wide range of business needs

Ease of Doing Business

Delivery of service and technology that streamlines how we work together

Local and National Resources

Local expertise and authority backed by the strength of national capabilities and resources

Consistency and Stability

Clearly communicated appetite and pricing

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A Strong PartnerFor more than 100 years, we have been committed to the success of our agent and broker partners,and our mutual customers.

73 on Fortune 100 list 1

$38 billion revenue

50,000+ employees

Global presence

6th largest global P&C insurer

Liberty Mutual Key Numbers

A.M. Best: A

Moody’s: A2

Standard & Poor’s: A

Financial Ratings

More than 1 million commercial insurance policies in force

More than 900,000 commercial insurance claims managed annually

Lives under management

Commercial Insurance Expertise

Life

1.35 millionDisability

4.08 millionLeave

1.59 million

1. Based on 2015 revenue.

2. As of 12/31/2015.

A Rewarding RelationshipYou will enjoy competitive, comprehensive compensation and incentive programs when you work with us. Our Mutual Partners™ Program rewards agents and brokers like you and considers your entire Commercial Insurance2 book of business. A profitable relationship will unlock financial rewards, such as additional compensation for new business, enhanced profit sharing, and up to $10,000 Business Building Dollars to invest in your agency. You could even qualify for an exclusive trip.

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Commercial Insurance Products

Products and Services: Tailored to You and Your Clients

With Liberty Mutual Insurance, you have access to a full range of commercial insurance products and services covering property and casualty and employee benefits. Whether your clients are a Main Street business or a large corporation, we offer industry-leading products and services that can be tailored to each risk.

Property and CasualtyLet us be the all-lines solution for your clients’ insurance needs — including packaged and individual policies — across auto, general liability, property, excess casualty, and workers compensation. For easier and more responsive access, we have expertise in three P&C segments:

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Small Commercial:fewer than 50 employees and less than $75,000 in premium

Middle Market:50 – 1,000 employees and greater than $75,000 in premium

Large Companies: 1,000+ employees

Specialized and Flexible SolutionsLiberty Mutual partners with top program administrators to offer specialty insurance programs that address specific exposures. Some of our programs include:

� Insurance Agents E&O � Nonprofits

� PizzaGuard®

� Scrap Metal Dealers � Self-Storage � Sports and Fitness

Business Owner’s Policy (BOP) and other packages

Commercial Auto

Environmental

Equipment Breakdown

Excess Liability

General Liability

Global Crisis Management

Inland Marine

Management Liability/ Directors and Officers (D&O)

Marine

Property

Professional Liability/Errors and Omissions (E&O)

Umbrella

Workers Compensation

Excess and Surplus

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In addition, we offer surety, excess and surplus (E&S), and other specialized capabilities in partnership with Liberty International Underwriters. For more information on Liberty International Underwriters, visit www.LIU-USA.com.

Flexible Program Structures

� Large Deductible � Retrospective � Guaranteed Cost � Aggregate Stop Loss

� Excess Self Insurance � Program Arrangements � Captive and Rent-a-Captive � Collateral Advantage

� Cash Collateral � Financial Guarantee � Surety Bonds

The Advantages of Third-Party AdministrationHelmsman Management Services, a member of Liberty Mutual Insurance, combines the resources of a carrier with the flexibility of a third-party administrator (TPA). Helmsman helps your clients return to work as quickly and safely as possible, while lowering clients’ medical costs. Helmsman claims specialists can also manage your clients’ liability claims to protect their brand and reputation, while risk control specialists can identify safety steps your clients can implement to help reduce workplace accidents and injuries.

Absence Management

Accident and Health Suite

Accidental Death andDismemberment (AD&D)

ADA Accommodation Services

Group and Optional Life

Integrated Disability Management

Long-Term Disability

Short-Term Disability

Voluntary Auto and Home

Employee Benefits Products

Middle Market:100 to 500 employees

Large Market:501 to 7,499 employees

National Market:7,500+ employees

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Group BenefitsLiberty Mutual delivers market-leading integrated life, disability, absence management, and accident and health products to meet your clients’ needs. We have the expertise to develop comprehensive programs that help produce better outcomes in critical areas such as employee productivity and return to work.

Technology SolutionsMyLiberty Connection®, Liberty Mutual’s secure portal, is available via desktop, tablet, or phone. It provides easy access to critical plan information and reports for employers and convenient benefits management for employees.

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Our Focus: An Appetite for Mutual Success

You and your clients can rely on our comprehensive approach that spans a broad array of industries. For larger or more complex accounts, you can count on us to deliver expert, consultative underwriting that stems from our deep industry expertise. Our teams are highly tenured, trained and flexible, and span underwriting, claims, and risk control.

We focus on the industries for which we have the products and capabilities to write successfully, and our appetite is guided by four principles that define our successful agent and broker partnerships:

� Agriculture

� Construction1

� Energy1

� Entertainment

� Finance

� Health Care

� Hospitality

� Manufacturing

� Membership Organizations

� Public Entity1

� Real Estate

� Restaurants

� Retail

� Services

� Technology

� Wholesale

Industry Focus

1. Liberty Mutual Insurance has dedicated and specialized underwriting, service, risk control, and claim staff available to address the unique needs of these industries.

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Greater success writing the business

Mutually beneficial performance and profitability

Necessary products and capabilities

Industry knowledge and expertise

Having Liberty Mutual as an advocate for our

agency is a huge value when working with our clients

and providing the service that we describe when

we sell the policy.

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More than 90% of policyholders are satisfied with our Small Business Service Center1.We are continually improving our operation to attain even higher levels of satisfaction.

1. 2014 Small Business Service Center Survey (713 respondents) May–September 2014.

Agent and Broker Support: It’s All About Helping You Succeed

With the right partner you can do more for your clients and grow your book of business. That’s why we ensure you have the technology, services, and local expertise you need, with the flexibility to work the way you want. Regardless of your client or agency size, we offer the right mix of resources and assistance you need to make it easy to work with us.

Small Business Service Center and Small Business Sales CenterDrive agency growth when you put Liberty Mutual’s licensed small business professionals to work for you and your clients. You can count on branding, flexibility, superior service, effective delivery, and sales support.

Our professionals provide your clients with the same kind of fast, efficient, and courteous service they expect from your agency. Trained to address the insurance needs of small businesses, our professionals can also aid your efforts to turn prospects into sales.

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eCLIQ®: Fast, Easy, Comprehensive Online QuotingDesigned to help you write more business more efficiently, our eCLIQ online quoting platform is loaded with great features:

� Quickly determine appetite and product selection � Access eCLIQ on any mobile device � Get convenient, same-day issuance for your most

straightforward accounts � Create, edit, and track entire customer accounts

across multiple quotes and policies

Agents’ Portal: Your Command Central

QuotingUse eCLIQ to quote

and issue new policies online

Appetite GuideNavigate risk

preferences and target new business

Recent ActivityReview most

recent activity and transactions

Policy Delivery Preference

ManagementTailor policy delivery to your customer’s

needs

BillingMake payments, view bills and commission

statements

ClaimsFollow claims with

online inquiries and loss runs

Policy FormsView detailed

coverage information

Download Self Service

Manage settings, process policy

resends, and more

Key ContactsGet in touch with your Liberty Mutual team

Marketing Resource

CenterPromote your agency

with brochures, videos, ads, and

social media

~ 10 minutes to quote a BOP

24 industry- specific

endorsements

10 lines of business

> 900 industry classes

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Agent/Broker Training CapabilitiesExpanding industry knowledge and sharpening sales skills benefits you, your clients, and your business. Liberty Mutual Insurance offers a wide range of courses that make learning easy, affordable, and convenient. Opportunities include:

New Producer Development ProgramA 30-week comprehensive program designed to reduce the learning curve for new producers

Customer Service Representative Development ProgramDistance learning program featuring self-study, online, and in-agency activities that is designed to improve CSRs’ insurance knowledge and service skills

Product and Skill-Building SeriesWorkshops, training sessions, and webinars are offered countrywide and cover a host of topics including sales skills, hiring and managing production and service staff, as well as product and coverage overviews

Bricks and Clicks™

Liberty Mutual Insurance and Safeco Insurance™ have partnered to offer you our industry-leading Bricks & Clicks digital marketing program. We help grow your entire business through more effective digital marketing.

Training and Events Workshops Six-hour, in-person training event covering websites, social media, search engine

optimization, and more

Webinars One-hour presentation covering a digital marketing topic

Online Classes Instructor-led, hands-on training to improve your online presence

Consulting Booked 30-minute or one-hour blocks of time — topic is chosen by your agency

Online Evaluation ToolsSearchScore Evaluates how your agency website is performing

Social Media Score Evaluates how your agency social media presence is performing

Content to ShareSocialShare A library of social media content best suited for Facebook®, Google+, and Twitter®

LinkedIn Elevate Business-focused content for LinkedIn

Websites and Search Engine OptimizationSiteBuilder Build a new website for your agency with one of our trusted vendors

SiteBooster Promote your established website through an online marketing program provided by one of our trusted vendors

Bricks and Clicks Program Offerings

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Cross Sell OpportunitiesGrow your business and reduce coverage gaps. Additional benefits of cross selling include:

� Improved retention. Accounts with multiple lines have higher retention than those written monoline.

� Improved satisfaction. You and your clients benefit from the convenience and consistency of working with one carrier.

Lead GenerationIncrease your new business flow with unique lead generation opportunities. Together, we’ll work to customize a list of leads that are not only compatible with your interests, but also fit our appetite. The leads can also be tailored by factors such as industry, proximity to your location, and client characteristics such as employee counts and revenue to best match your prospecting style.

Book Transfer CapabilitiesMaximize your earning potential, and improve operational efficiencies while providing viable solutions to your small business clients. Create a seamless transition for your clients with our end-to-end book transfer solutions. Customized to align with your existing workflows, our process is supported by a dedicated, experienced staff that works with you and your clients every step of the way:

For lines of business that do not fit within the Commercial Insurance appetite, we can provide alternative placement solutions with our surety and international relationships. This ability to provide comprehensive placement solutions is a differentiator in the marketplace.

Notify your clients of a potential change in carriers

Quote and issue policies in eCLIQ

Data extraction from your agency management system

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Risk Control: A Business-Building Approach

Help your clients build better risk control with tools and resources to improve workplace safety, reduce the cost of risk, and follow nationally recognized standards. Our approach helps your clients protect their people, property, and assets and helps improve your book of business.

Liberty Mutual Research Institute for SafetyLiberty Mutual Research Institute for Safety is an award-winning research facility that has helped improve safety and disability outcomes for businesses and individuals for more than 60 years. Its mission is to conduct innovative scientific research to help reduce injuries and disability at home, at work, in the community, and on the road.

Your clients have three convenient ways to access our risk control services:

OnlineLiberty Mutual SafetyNet™ offers self-service access to the latest safety research, self-assessment tools, safety toolkits, OSHA-related materials, and training resources. Clients can also sign up for dozens of instructor-led webinars.

On the PhoneOur responsive Risk Control Consulting Center can analyze safety-related problems and evaluate potential risks to offer practical solutions and resources over the phone.

On-siteFor larger policyholders with more complex issues, we offer tailored on-site risk assessments and a comprehensive, custom service plan. We can assist your customers’ risk control efforts abroad and in your backyard with our local and regional risk control classroom sessions and workshops.

The Liberty Mutual Research Institute is a true differentiator. The insights uncovered at the industry’s renowned research facility and practiced by our

Risk Control staff can help reduce injuries and improve claims

outcomes, increasing productivity and helping employees return

to work sooner.

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Exceptional Customer Service: Our Formula for Success

Whether you’re bringing on a new client or renewing a policy, our customer service team is dedicated to providing you and your clients with responsive service — it’s at the heart of everything we do. Our commitment to exceptional customer service begins by simply answering the phone when you or your clients call.

Client Service ManagersFor larger, more complex, and specialized accounts, key customer concerns can be addressed with the help of a Liberty Mutual client service manager who:

� Understands your clients’ business and industry � Builds and sustains longstanding customer and broker relationships � Proactively coordinates all services across Liberty Mutual � Provides account consultation and orientation

Quickly and easily review, manage, analyze, and report property and casualty claims activity online.

Instant access to all the information your clients need to manage their accounts.

Account Management Tools

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Claims Services: Deep Expertise and Active PartnershipYou can depend on better claims outcomes and a consistently superior experience when partnering with Liberty Mutual Insurance. Our investment in innovation and operational excellence allows us to be a flexible, responsive partner that helps your clients lower their total cost of risk.

Our goal is to:

� Defend our customers from liability claims and protect their reputations � Get businesses back up and running after a property loss � Safely return injured or ill employees to work as quickly as appropriate � Handle life claims with compassion and assist your clients, their employees, and beneficiaries in

their greatest time of need

Our Claims Principles

We do what’s right

We provide solutions

We’re there when we’re

needed

We make things easy

An Exceptional Claims ExperienceFrom the simplest to the most complex claim, your clients benefit from an experienced team that resolves more than 900,000 property and casualty claims each year. We handle every claim with care and apply the appropriate expertise, at the right time, to ensure claims are resolved fairly and expediently.

When a claim comes in, we assign it to a dedicated unit based on the severity and line of business — with rapid response for small claims and focused expertise for complex ones. Our regionally located claims specialists respond to customer needs and have the local and jurisdictional knowledge to understand the nuances of each claim. A comprehensive medical loss database, predictive modeling, and data analytics provide insights to help us identify claims likely to escalate, and take appropriate action. Claims handlers also have access to in-house resources such as:

� Nurse case managers � Regional medical directors � Pharmacy benefit management � Chronic pain programs

� Provider networks � Medical bill review � Fraud specialists

Proactive communication with you and the claimant is critically important to achieving the best possible outcome for all parties. That’s why we are committed to keeping claimants informed throughout the claims process and provide you and your clients with online tools to track, analyze, and generate reports.

Liberty Mutual Insurance: A Partner for Your Success

Are you ready for a partnership that can help you grow your business?

Then take the next step and contact your underwriter, territory manager, or

agency specialist for more information.

libertymutualgroup.com/business @LibertyB2B

You’re passionate about your business. Liberty Mutual Insurance is passionate about protecting it. We rank on the Fortune 100 list of largest corporations in the United States (based on annual revenue). As a leading property and casualty insurer, Liberty Mutual Insurance has the resources and expertise to provide tailored domestic and multinational insurance and risk-management solutions to meet the specific needs of your business, regardless of size and location. Visit libertymutualgroup.com/business, or contact your independent agent or broker.

This document provides a general description of this program and/or service. See your policy, service contract or program documentation for actual terms and conditions. Insurance underwritten by Liberty Mutual Insurance Co. or its affiliates or subsidiaries.

© 2016 Liberty Mutual Insurance, 175 Berkeley Street, Boston, MA 02116. CI3348 09/16