Effective October 2025
Liberty Mutual Group and its affiliates, subsidiaries, and partners (collectively “Liberty Mutual” or “we,” “us” and “our”) provide insurance to individuals. We value you as a customer and take your personal privacy seriously. This Notice applies to you if you are contacting us to learn about our products, buy insurance for yourself (for example, auto insurance), filing a claim against a policy, or applying for renewal, reinstatement or change in insurance benefits. In this Notice, we explain how we gather, use, share, and protect your data.
What Personal Data Do We Collect?
The types of personal data we collect and share depend on both the product and your relationship to us. For example, we may gather different data if you are a claimant reporting an injury than if you want a quote for auto insurance. The data we gather can include your Social Security Number, income, transaction data such as account balances and payment history, and data from consumer reports. It may also include data collected in connection with our provision of insurance services, when you apply for such services, or resulting from other contacts with you. It may also include:
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Identifiers, including a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security Number, driver’s license number, or other similar identifiers;
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Personal data, such as your name, signature, Social Security Number, physical characteristics or description, address, telephone number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, financial data, precise geolocation, medical data, or insurance data;
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Protected classification characteristics such as age, race, color, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, or veteran or military status;
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Commercial data, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories and tendencies;
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Internet or other similar network activity, including browsing history, search history, data about a consumer’s interaction with a website, application, or advertisement;
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Audio, electronic, and visual data, including photographs, aerial imagery, videos, audio and voice recordings, and related transcriptions;
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Professional or employment related data, including current or past job history;
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Inferences drawn from other personal data, such as a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes;
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Risk data, including data about your driving and/or accident history; this may include data from consumer reporting agencies, such as your motor vehicle records, and loss history data, health data, or criminal convictions;
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Claims data, including data about your previous and current claims, which may include data regarding your health, criminal convictions, third party reports, or other personal data.
If you choose to participate in RightTrack or other telematics programs, we may also collect and process other types of information. For more information about how Liberty Mutual processes telematics information, please visit lmi.co/privacy and select the Privacy Notice for Telematics Application.
How Do You Gather My Data?
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We gather your personal data directly from you. For example, you provide us with data when you: |
We also gather your personal data from other sources. For example: |
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Organizations that share data with us may keep it and disclose it to others as permitted by law.
How Do We Use Your Personal Data?
Liberty Mutual uses your data to provide you with our products and services and as otherwise provided in this notice. We may use your data and the data of our former customers for our business and other compatible purposes. Our business purposes include, for example:
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Market, sell and provide insurance. This includes, for example:
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Manage your claim. This includes, for example:
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Day-to-day business and insurance operations. This includes, for example:
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Security and fraud detection.
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Regulatory and legal requirements. This includes for example:
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Improve your customer experience and our products. This includes, for example:
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Analytics to identify, understand, and manage our risks and products. This includes, for example:
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Customer service and technical support. This includes, for example:
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| Cross-context behavioral advertising |
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Do We Disclose Your Personal Data?
Liberty Mutual does not sell your personal data.
Liberty Mutual may disclose personal data with affiliated and non-affiliated third parties, including:
- Liberty Mutual affiliates;
- Service providers (such as auto repair facilities, towing companies, property inspectors, and independent adjusters);
- Insurance support organizations;
- Brokers and agents;
- Public entities (e.g., regulatory, quasi-regulatory, tax or other authorities, law enforcement agencies, courts, and arbitrational bodies);
- Fraud prevention entities;
- Consumer reporting agencies;
- Advisors including law firms, accountants, auditors, and tax advisors;
- Insurers, re-insurers, policy holders, and claimants;
- Group policyholders (for reporting claims data or an audit);
- A person, organization, affiliates or service providers conducting actuarial or research studies; and
- As permitted by law.
We may also disclose data with other companies that provide marketing services on our behalf or as part of a joint marketing agreement for products offered by Liberty Mutual. We will not disclose your personal data to others for their own marketing purposes.
We may also disclose data about our transactions (such as payment history) and experiences (such as claims made) with you to our affiliates.
Liberty Mutual may disclose the following categories of personal data as needed for business purposes:
| Identifiers | Personal data |
| Protected classification characteristics | Commercial data |
| Internet or other similar network activity | Audio, electronic, and visual data |
| Professional, employment, and education data | Inferences drawn from personal data |
| Risk data | Claims data |
Residents of Vermont: We do not share personal data about Vermont residents with companies outside of our affiliates unless allowed by law.
How Do We Keep your Personal Data Safe?
We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information. These safeguards comply with applicable laws. Our employees and agents are authorized to access your data only for legitimate business purposes.
How Long Does Liberty Mutual Retain Each Category of Personal Data?
We retain your information in accordance with our legal obligations, our records retention policies, or as otherwise permitted by law. For example, we may have a legal obligation to retain information relating to your policies or claims with us. We will delete your data once the legal obligation expires or after the period of time specified in our records retention policies. The period of retention is subject to our review and alteration.
How does my Agent or Broker Use My Data?
Your independent agent or broker is independent from Liberty Mutual and is not subject to our privacy policy. Because your agent or broker works with you directly, he or she may have data about you that we do not have. Your agent or broker may use this data differently than we do. Contact your agent or broker to learn more about their privacy practices.
Children’s Privacy
We do not direct our services to individuals under the age of thirteen (13) and we request that these individuals do not provide personal data through our services.
What Rights Do I Have to Learn More About My Personal Data?
Individuals may request access to a copy of their personal information. Liberty Mutual will honor requests for access after we have verified your identity. A request may be made to Liberty Mutual by contacting us as described below. We will grant requests as required by law.
Additional Information for Residents of AZ, AK, CT, GA, IL, MA, ME, MN, MT, NC, NJ, NV, OH, OR, and VA
Insurance law may provide you with additional rights. For example, you may request a copy of certain data about you to review its completeness and accuracy. You must make this request in writing by contacting us as indicated below. We have thirty business days after receiving your request to send the data to you. To the extent required by law, we will also share the name and address of any consumer reporting agency from which we have received information about you. Some data we are not required to share.
If you believe the data we have about you is incorrect, you may notify us in writing of what you would like to correct and why. We will respond within thirty business days. If we agree, we will change our records. We will send the change to any organization that has received the inaccurate information from us. It will also be included in any later disclosures to others. If we disagree, we will tell you why. You can write us a short statement explaining why you believe that the data is incorrect. This will become part of the file. We will also send it to any persons that have received the disputed information from us. It will also be included in any later disclosures to others.
Please note that information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons.
How to Contact Us:
You can obtain additional information by:
Calling: 800-344-0197
Email: Privacy@libertymutual.com
Online: Libertymutualgroup.com/privacy-policy/data-request
Mail: Liberty Mutual Insurance Company
175 Berkeley St.
Boston, MA 02116
Attn: Privacy Office
Who is providing this Notice?
This Privacy Notice is provided on behalf of the following Liberty Mutual companies and affiliates:
America First Insurance Company, America First Lloyd’s Insurance Company, American Compensation Insurance Company, American Fire and Casualty Company, Bloomington Compensation Insurance Company, Colorado Casualty Insurance Company, Consolidated Insurance Company, Employers Insurance Company of Wausau, Excelsior Insurance Company, Golden Eagle Insurance Corporation, Hawkeye-Security Insurance Company, Indiana Insurance Company, Ironshore Indemnity Inc., Ironshore Specialty Insurance Company, Liberty County Mutual Insurance Company, Liberty Insurance Corporation, Liberty Insurance Underwriters Inc., Liberty Lloyds of Texas Insurance Company, Liberty Mutual Fire Insurance Company, Liberty Mutual Insurance Company, Liberty Mutual Mid-Atlantic Insurance Company, Liberty Mutual Personal Insurance Company, Liberty Northwest Insurance Corporation, Liberty Personal Insurance Company, Liberty Surplus Insurance Corporation, LM General Insurance Company, LM Insurance Corporation, LM Property and Casualty Insurance Company, Meridian Security Insurance Company, Mid-American Fire & Casualty Company, Milbank Insurance Company, Montgomery Mutual Insurance Company, National Insurance Association, North Pacific Insurance Company, Ohio Security Insurance Company, Oregon Automobile Insurance Company, Patrons Mutual Insurance Company of Connecticut , Peerless Indemnity Insurance Company, Peerless Insurance Company, Plaza Insurance Company, Rockhill Insurance Company, San Diego Insurance Company, State Auto Insurance Company of Ohio, State Auto Insurance Company of Wisconsin, State Auto Property & Casualty Insurance Company, State Automobile Mutual Insurance Company, The First Liberty Insurance Corporation, The Midwestern Indemnity Company, The Netherlands Insurance Company, The Ohio Casualty Insurance Company, Wausau Business Insurance Company, Wausau General Insurance Company, Wausau Underwriters Insurance Company, and West American Insurance Company.
To download a copy of this document, please click here.
Clinton Mora is a reporter for Trending Insurance News. He has previously worked for the Forbes. As a contributor to Trending Insurance News, Clinton covers emerging a wide range of property and casualty insurance related stories.