SafeCo by Liberty Mutual: Real Estate Insurance Appetite
SafeCo by Liberty Mutual is a standard/admitted carrier. Online quoting available. Licensed in all 50 states and various U.S. territories. Safeco brand is transitioning to Liberty Mutual brand for business insurance as of Feb 2026. Targets businesses with up to 50 employees.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
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Typical annual premium
Target States
All 50 states + DC
Key Features
- Spectrum Business Owner's Policy (includes Equipment Breakdown (up to $50k sublimits), Identity Theft Administrative Services and Expense ($25k), Business Income & Extra Expense (12 months actual loss sustained))
- General Liability Insurance: Protects against claims related to bodily injury, property damage, and personal/advertising injury.
- Commercial Property Insurance: Covers buildings, equipment, and inventory from fire, theft, and other disasters.
- Workers Compensation Insurance: Covers medical costs and lost wages for employees injured on the job.
Limitations
- Does not offer EPLI — may need separate placement
- Apartments may face underwriting restrictions: Undesirable class for small business BOP
- Maximum revenue limit: $8.5M
- Requires 1+ years in business
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