Terms & Conditions
Conditions of Use
By using this website and all others owned and maintained by Liberty Mutual, you agree to the following terms and conditions so please read them carefully. These terms and conditions may be revised at any time by our updating this notice and posting it on our website. You are bound by any such revisions if you continue to use the website after we have posted the changes; and we suggest that you periodically visit this page to review the most recent Terms & Conditions. All references to “Liberty Mutual” include Liberty Mutual Insurance Company and its affiliates listed below.
Restrictions on Use of Materials
This website is owned and operated by Liberty Mutual Insurance Company. You may download material displayed on this website for your personal, non-commercial use only and provided you do not remove any copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, link or use the content of this website for commercial purposes, without Liberty Mutual’s written permission.
Trademarks & Copyright
All trademarks, services marks, trade names, logos, icons and domain names located on this website are the property of Liberty Mutual and others. Nothing contained on the website should be construed as granting, by implication or otherwise, any license or right to use any trademark, service mark, trade name, logo, icon and domain name displayed on this website without the written permission of Liberty Mutual or third party that may own such marks or names displayed on this website. Your use of the trademarks, service marks, trade names, logos, icons and domain names displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited. Images displayed on this website are either the property of, or used with permission by, Liberty Mutual. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
Links to Other Websites
This website is hyperlinked to other websites which may not be maintained or controlled by Liberty Mutual. Liberty Mutual is not responsible for the content of those websites. The inclusion of any hyperlinks to such websites does not imply approval of or endorsement by Liberty Mutual of those websites, their content or their products and services. If you have difficulty linking to any hyperlinked websites or to report a dead (non-working) link, please send us an e-mail at: firstname.lastname@example.org.
Liberty Mutual makes no representations or warranties that the materials posted on this website are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. Liberty Mutual does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code. Liberty Mutual also assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.
LIBERTY MUTUAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT
Limitation of Liability
To the maximum extent provided by law Liberty Mutual shall not be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this website or the materials or services provided on this website or the products or services received from this website. Exemptions of implied warranties may not be allowed in all jurisdictions.
If you choose to access this website you do so on your own initiative and are responsible for compliance with any local, state and federal laws. The information contained on this website is not an offer to sell or a solicitation to buy, any insurance product or service. No insurance product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or other laws of such jurisdiction. Use of this site will be governed and construed in accordance with the laws of the Commonwealth of Massachusetts.
You acknowledge that any software available or provided to you on this website may contain technology that is subject to strict controls by various agencies of the United States Government pursuant to United States export control laws and regulations. You hereby agree that you will not transfer or export such software from the United States (including, for example, providing such software to any foreign person or entity in the United States) or re-export such software outside the United States in violation of United States export laws and regulations. Liberty Mutual does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by the United States export controls laws and regulations.
Comment Submission Guidelines
By submitting a Submission, you warrant and represent that the Submission and any words or other materials that may be incorporated therein are original and were created solely by you, that you have all rights necessary to submit the Submission and to authorize the uses of the Submissions permitted hereunder, that the exercise by Liberty Mutual of the rights granted to it by you will not infringe upon the rights of any third party, and that no payments to or permission from any third party is required for the exercise by Liberty Mutual of the rights granted to it by you. You agree to defend, indemnify and hold harmless Liberty Mutual and its parent companies, subsidiaries, affiliates, successors, agents, assigns, and licensees, and each of their officers, directors and employees, and any and all persons who make use of the Submissions with the consent of Liberty Mutual (all of the foregoing hereinafter called “Indemnitees”) from and against any and all claims, demands, damages, costs, charges, legal fees and disbursements, recoveries, judgments, penalties, expenses or losses of whatsoever kind or nature (including attorney’s fees) which may be obtained against, imposed upon or suffered by the Indemnitees by reason of any breach by you of any of your warranties, representations or obligations hereunder or any claim of violation of any other rights resulting from any use made by the Indemnitees of the Submissions as permitted hereunder. By submitting a Submission, you release the Indemnitees from any and all claims and demands arising out of or in connection with use of the Submissions as authorized hereunder, including, without limitation, all claims for copyright infringement, defamation and/or violation of the right of privacy or publicity. You may not terminate or rescind the permission granted to Liberty Mutual hereunder to use the Submissions. In the event of any claim by you against Liberty Mutual, you shall be limited to your remedy at law for damages, if any, and you may not enjoin, restrain or interfere with the distribution, exhibition or exploitation of the Submissions or any Website or other production incorporating the same or the exploitation of any of Liberty Mutual’s rights hereunder.
Liberty Mutual does not want to receive confidential or proprietary information from you through this website. Any material, information or other communication you transmit or post to this website will be considered non-confidential and non-proprietary. You are prohibited from posting or transmitting to or from this website any unlawful, threatening, harassing, libelous, defamatory, obscene, or pornographic material, or material that would violate any law. You are prohibited from intentionally making false or misleading statements in any Submission and from including in any Submission any material that would infringe any copyright or would violate the personal or proprietary rights of any third party or any material that contains the confidential information of any third party.
The term ‘Liberty Mutual’ as used in this website means:
- Liberty Mutual Insurance Company (National Association of Insurance Commissioners ('NAIC') Company Code 23043) is domiciled in Massachusetts and is licensed in all states and the District of Columbia;
- Liberty Life Assurance Company of Boston (NAIC Company Code 65315) is domiciled in New Hampshire and is licensed in all states and the District of Columbia;
- Liberty Mutual Fire Insurance Company (NAIC Company Code 23035), is domiciled in Wisconsin and is licensed in all states and the District of Columbia;
- LM Insurance Corporation (NAIC Company Code 33600) and The First Liberty Insurance Corporation, (NAIC Company Code 33588) are domiciled in Illinois and are licensed in all states and the District of Columbia;
- Liberty Mutual Mid-Atlantic Insurance Company (NAIC Company Code 14486) is domiciled in Massachusetts and licensed in Connecticut, Delaware, Florida, Georgia, Kentucky, Maryland, Massachusetts, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and West Virginia;
- Liberty Insurance Corporation (NAIC Company Code 42404) is domiciled in Illinois and is licensed in all 50 states and the District of Columbia;
- Liberty Lloyds of Texas Insurance Company (NAIC Company Code 11041) is domiciled and licensed in Texas;
- Liberty County Mutual Insurance Company (NAIC Company Code 19544) is domiciled and licensed in Texas;
- Helmsman Management Services LLC is a Massachusetts corporation and licensed in all 50 states and the District of Columbia;
- Employers Insurance Company of Wausau (NAIC Company Code 21458) is domiciled in Wisconsin and licensed in all states and the District of Columbia;
- Wausau Business Insurance Company (NAIC Company Code 26069) is domiciled in Wisconsin and licensed in all states and the District of Columbia;
- Wausau General Insurance Company (NAIC Company Code 26425) is domiciled in Wisconsin and licensed in Georgia, Illinois, Kansas, Massachusetts, New York, Ohio, Oregon, Tennessee and Wisconsin;
- Wausau Underwriters Insurance Company (NAIC Company Code 26042) is domiciled in Wisconsin and licensed in all states and the District of Columbia.
The Liberty Mutual companies listed above have a principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. Each underwriting company of the Liberty Mutual Group is financially responsible for its own insurance products.
Each underwriting company of the Liberty Mutual Group is financially responsible for its own insurance products.
The websites of other Liberty Mutual subsidiaries and affiliates not listed above, and which may be hyperlinked to this website, contain separate Terms & Conditions for Use and separate Privacy Statements applicable to those websites. They can be reviewed on the subsidiary or affiliate specific website.