2025
Advancing risk solutions for a changing world
by the numbers
$43,566M
in net written premiums
40,000+
employees
on Fortune 500 list
91st
countries and economies
in 27
in revenue
$50,465M
The risks our customers face today look different than they did even a few years ago. Liberty Mutual has been building toward this moment for years. Our sustained investment in building expertise, partnerships and capabilities allows us to advise clients and help them move forward with confidence.
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Established a global infrastructure solutions practice with a portfolio of over $1 billion, helping clients identify, mitigate and transfer risk across the full lifecycle of a project
Named to Fortune's 2025 List of America's Most Innovative Companies
Launched Liberty Cyber Resolution™ and Liberty Tech Resolution™, new global flagship cyber products to protect clients against losses from cyberattacks
2025
highlights
Helped customers take 50,000+ actions to strengthen their homes through the Liberty+ platform
Launched ShakeNet Parametric with Safehub for faster, more accurate earthquake payouts
Published the 25th annual Workplace Safety Index, pairing more than a century of risk‑control experience with data-driven insights to help employers reduce workplace injuries
2025
highlights
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Delivering on our commitments to customers
One of the best things we can do for a customer is help them avoid a loss in the first place. When a loss does occur, we show up with the expertise, tools and people to respond when it matters most, bringing empathy and sound judgment to our customers in their toughest moments.
Achieved an 88.4% combined ratio
Continued investment in modern platforms, data and AI to help teams stay ahead
Added 77 new investment relationships in 2025, building Liberty Mutual Investments’ reputation as a trusted, long-term partner
2025
highlights
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Sustaining the strength to lead
As a mutual company, our priorities are fully aligned with our policyholders. Our capital strength enables us to pay claims, support customers, fund innovation and deploy capital where it can do the most good.
Executive Vice President and Chief Financial Officer Julie Haase helps ensure Liberty Mutual’s financial strength and resilience. She shares how disciplined performance and capital management support our ability to serve policyholders today and build for the future.
Julie Haase
Q&A with
"Our approach to capital starts with a clear priority: being there for policyholders when they need us most. A strong capital position supports that promise and allows us to make sound decisions that sustain the company over time.”
Capital can feel like an abstract concept. In simple terms, what does it mean at Liberty Mutual?
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As Global Head of Cyber, Patrick Thielen leads the development and execution of Liberty Mutual's cyber strategy, helping brokers and clients around the world better manage cyber exposure.
Patrick Thielen
Q&A with
“Cyber risk doesn’t adhere to geographic boundaries, and it evolves extremely fast. Criminals and state-sponsored actors constantly shift toward the most exploitable weaknesses in a company’s systems… AI is accelerating all of these risks.”
Q: What does today's cyber landscape look like and why is it so hard to predict?
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"The nature of risk is evolving faster than ever, and so is the capital required to stand behind it. By connecting our commercial insurance and investment capabilities more closely, we can move faster and deliver more complete solutions for our customers and business partners, helping them build, grow and prosper."
Vlad Barbalat
President, Global Risk & Capital Solutions and Chief Investment Officer
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Liberty Mutual Investments (LMI) oversees and manages an investment portfolio of $124.7 billion across public and private markets. LMI balances value creation with risk management to make good on our promise to be there when our customers need us.
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Our purpose extends to the people and communities where our customers and employees live and work. We focus on helping individuals and organizations build stability — the foundation for opportunity and strength. Through giving, volunteering and service, our employees bring the same care and commitment to our community work that they bring to our customers.
Building stronger communities
Committed $6.1 million through Impact Driven Collaboration grants, advancing nonprofit partnerships tackling housing stability, workforce development and climate resiliency
Launched the Foundation Leadership Exchange, a new program pairing flexible funding with access to Liberty Mutual expertise, coaching and strategic support to strengthen nonprofit leaders and organizations
Built on success of STEAM Studio created in 2024 by Liberty IT in partnership with National Museums Northern Ireland to expand access to STEM education and offer free, full-day coding sessions
2025
highlights
$71.1
million total donations
6,300+
organizations received employee donations
137,000+
employee volunteer hours
62%
of US and Canada-based workforce participated in Liberty Torchbearers
President, Liberty Mutual Foundation
Liberty Mutual Foundation President Nageeb Sumar reflects on the Foundation’s new endowment — and how long-term investment can help Liberty Mutual deliver on its purpose.
This year, we established a $600 million endowment for Liberty Mutual Foundation, creating a permanent, sustainable source of community investment rooted in our long-term strength as a mutual company.
Nageeb Sumar
Q&A with
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“The endowment creates a more permanent foundation for our community investments. It allows us to support nonprofit partners with greater consistency and over longer time horizons, so they can focus less on year‑to‑year funding and more on the people and communities they serve.”
Q: Why is the new endowment such an important milestone?
2,400+ students and 50+ schools reached across Northern Ireland and the west of Ireland
90+ Liberty IT employees volunteered as STEAM Ambassadors
1,500+ hours of skills‑based volunteering contributed by employees
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STEAM Studio highlights
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Our people are at the heart of everything we do. Every customer experience, every innovative product and every community strengthened by Liberty begins with a person who showed up prepared, curious and committed. We invest in them through development programs, tools like generative AI and an environment where they feel supported, included and able to grow.
Empowering people to lead, grow and belong
Launched LibertyGPT and the GenAI Hub enterprise-wide, putting secure generative AI tools in the hands of all employees to streamline daily work and help employees focus on higher-value tasks
Trained 39,000+ independent agents through USRM capability development programs, strengthening skills and performance at scale
Celebrated the 25th anniversary of the Financial Management Program, reflecting a long-term commitment to developing finance leaders, including program alum CFO Julie Haase
2025
highlights
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In 2025, we made progress toward our emissions targets and expanded sustainable practices across our global footprint, supported by the daily actions of our employees.
Our operational footprint
15% reduction in Scope 1 & 2 GHG emissions from 2024 levels
Exceeded original 50% reduction target in 2024; continued focus on a 65% reduction by 2030
27% decrease in US fleet gallons consumed from 2024
29% reduction in US fleet CO2e emissions from 2024
2025
highlights
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Our governance structures, ethics programs, data privacy practices and compliance frameworks reflect the discipline and commitment of our people. Together, these practices help us sustain trust with customers, regulators and employees.
Governance and practices
From our Chairman, President and CEO
Tim Sweeney
"In a world defined by rapid change and growing complexity, the need for disciplined risk expertise has never been greater. Risk is part of everyday life, from moments like pulling out of the driveway or buying a home to the global systems that move goods, services and capital around the world. Managing that risk and complexity is at the core of what we do.”
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From our Chief People, Purpose and Brand Officer
Melanie Foley
“When we talk about purpose at Liberty Mutual, we mean helping people move forward with confidence, especially in moments that matter most. It’s a simple idea, but a deeply human one. When uncertainty shows up, people need more than protection. They need the confidence to take the next step.”
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Our products and services are designed to help customers anticipate risk and strengthen resilience to protect what matters most.
Infrastructure Solutions
2025
Purpose & Impact Report
Purpose and Impact Report
TCFD Report
We help individuals protect what matters most, empower businesses to thrive through exceptional risk management and invest capital that fuels economic progress — all done with unwavering integrity.
As Global Head of Cyber, Patrick Thielen leads the development and execution of Liberty Mutual's cyber strategy, helping brokers and clients around the world better manage cyber exposure.
Patrick Thielen
Q&A with
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“Cyber risk doesn’t adhere to geographic boundaries, and it evolves extremely fast. Criminals and state-sponsored actors constantly shift toward the most exploitable weaknesses in a company’s systems… AI is accelerating all of these risks.”
Q: What does today's cyber landscape look like and why is it so hard to predict?
Adam Winn and Patrizio Urciuoli
Co-presidents, Liberty Mutual Investments
"Discipline is at the heart of every investment decision we make. By balancing opportunity with risk and maintaining a long-term perspective, we help preserve the financial strength that supports our business and our policyholders."
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