Liberty Mutual pros
- Offers industry-specific coverage packages
- Has fewer complaints than many competitors
- Provides a set of tools and other resources for small businesses
Berkshire Hathaway pros
- Has the highest possible financial stability rating
- Offers a broad range of coverage options
- Provides coverage in all 50 states
How Liberty Mutual’s market share compares with Berkshire Hathaway’s
Liberty Mutual is the fourth-largest commercial auto insurer, with 3.8% of the market, according to a March 2025 report from the NAIC. Berkshire Hathaway is the fifth-largest, with 3.7% of the market.
How Liberty Mutual’s direct premiums written compares with Berkshire Hathaway’s
Liberty Mutual has $2.8 billion in direct commercial auto insurance premiums written, according to the March 2025 NAIC report. Berkshire Hathaway has about $2.6 billion in direct premiums written.
How Liberty Mutual’s NAIC complaint data compares with Berkshire Hathaway’s
When evaluating commercial car insurance companies, it’s a good idea to check the NAIC complaint index. The complaint index tracks the number of complaints an insurer receives compared to its market share.
An index of 1.0 means the company receives the expected number of complaints for its size. A score above 1.0 means it receives more complaints than expected, and a score below 1.0 means fewer complaints – a lower score is better.
For 2024, Liberty Mutual’s NAIC complaint index was 0.71, indicating that it received fewer complaints than expected. Berkshire Hathaway has several insurance subsidiaries. The complaint index for its National Liability & Fire Insurance Company subsidiary was 3.5.
How Liberty Mutual’s AM Best rating compares with Berkshire Hathaway’s
One of the most important considerations when choosing a commercial auto insurance company is financial stability. Before you pick an insurer, it’s a good idea to check its rating from AM Best.
Berkshire Hathaway, as of April 2025, had an A++ rating, the highest possible rating. Liberty Mutual’s AM Best rating, as of August 2024—its latest rating—is A, which is in the “excellent” category.
How Liberty Mutual’s rates compare with Berkshire Hathaway’s rates
Liberty Mutual doesn’t publish its commercial auto insurance rates online. To get a quote, you can submit an online request or call an agent.
Berkshire Hathaway’s subsidiary biBerk publishes sample rates online for certain vehicle types. Here are the general price ranges we found:
- Smaller vehicles used for commuting: $600 to $1,500 per vehicle per year
- For-hire trucking: $5,000 to $15,000 per vehicle per year
- Livery vehicles: $2,000 to $6,000 per vehicle per year
Commercial car insurance premiums are different for every business. Rates depend on a variety of factors, like your location, coverage options, vehicle types, driving history and industry.
To give you an idea of how much your insurance might cost, Insureon, a small-business insurance agency, says the average cost for a commercial auto policy is $147 per month, or $1,762 annually.
Can I buy a Liberty Mutual policy online?
Liberty Mutual partners with insurance marketplace Tivly to allow customers to request a quote online, but you’ll need to wait for an independent agent to call you back to complete the process. You can also call Liberty Mutual at (844) 925-1272 to speak with an agent directly.
Can I buy a Berkshire Hathaway policy online?
Choose the subsidiary that’s right for your industry and coverage needs. Once you select a subsidiary, you can call the company directly to start the purchase process.
Here’s a list of the companies that underwrite commercial auto insurance for Berkshire Hathaway, and how you can get a quote:
- Berkshire Hathaway Homestate Companies: Call (800) 488-2930
- Guard Insurance Companies: Call (800) 673-2465
- Three: Online quote or call (800) 507-4495
- biBerk: Online quote or call (844) 472-0967
Types of coverage Liberty Mutual offers
A basic commercial auto insurance policy from Liberty Mutual covers the following:
- Liability: This pays for injuries to others as well as damage to other cars or property when your driver is at fault for the accident.
- Collision: This pays to repair or replace your vehicle if it strikes another object, overturns, rolls or is in a collision with another vehicle where your driver is at fault for the accident.
- Comprehensive: This pays to repair or replace the vehicle if it is damaged by something other than collision, such as vandalism, fire or storm damage.
- Medical payments: This pays for medical bills incurred by your driver or passengers regardless of fault.
- Uninsured/underinsured motorist (UM/UIM): This pays for damage and injuries when another party hits you but doesn’t have any or enough liability insurance to cover the loss.
You also may be able to add endorsements, like roadside assistance, gap insurance or rental car coverage. You can speak to a Liberty Mutual agent to find out what add-on coverages are available based on your location and business type.
Types of coverage Berkshire Hathaway offers
Berkshire Hathaway offers commercial auto insurance through its subsidiaries. There are five areas that most Berkshire Hathaway commercial auto insurance policies cover:
- Liability: This pays for injuries to others as well as damage to other cars or property when your driver is at fault for the accident.
- Collision: This pays to repair or replace your vehicle if it strikes another object, overturns, rolls or is in a collision with another vehicle where your driver is at fault for the accident.
- Comprehensive: This pays to repair or replace the vehicle if it is damaged by something other than collision, such as vandalism, fire or storm damage.
- Uninsured/underinsured motorist (UM/UIM): This pays for damage and injuries when another party hits you but doesn’t have any or enough liability insurance to cover the loss.
- Medical payments: This pays for medical bills incurred by your driver or passengers regardless of fault.
Some of Berkshire Hathaway’s subsidiaries might offer add-on coverages. To find out what coverage options are available for your business, you can speak to an agent.
Types of commercial vehicles Liberty Mutual covers
Liberty Mutual covers many types of commercial vehicles, including:
- Business cars
- Light trucks
- SUVs
- Vans
- Dump trucks
- Construction vehicles
- Tractor trailers
- Food trucks
- Pickup truck utility trailers
Types of commercial vehicles Berkshire Hathaway covers
Berkshire Hathaway’s commercial auto policies are available for the following types of business vehicles:
- Cars
- Limousines
- Pickup trucks
- Buses
- Food trucks
- Motorhomes
- Tractor tractors
- Motorcycles
- Emergency vehicles
- Delivery vans
- Tow trucks
- Box trucks
- Flatbed trucks
Who should get Liberty Mutual’s policy?
Liberty Mutual can be a good choice for business owners with a large fleet of commercial vehicles. The company offers robust coverage options and industry-specific insurance packages to protect businesses in various industries, including construction, manufacturing, restaurants and professional services.
Liberty Mutual has resources to help you develop fleet safety programs, improve driver safety and more. The company also has an efficient claim process that uses virtual appraisals, advanced analytics for legal bills and litigation management to get your claim resolved as quickly as possible.
However, Liberty Mutual’s website has limited capabilities. You can’t get an instant rate quote online or purchase a policy through the website
Who should get Berkshire Hathaway’s policy?
Berkshire Hathaway stands out for its superior financial stability rating, which is one of the most important factors to consider when choosing a commercial car insurance company. Its A++ score is the highest AM Best rating possible, indicating that the company can meet its obligations and is not at risk of going out of business.
However, some of Berkshire Hathaway’s subsidiaries receive many more complaints than expected for their size. Berkshire Hathaway’s coverage options, functionality and policy rates will vary depending on the subsidiary issuing the policy. If you’re thinking about purchasing commercial auto insurance from Berkshire Hathaway, you might need to research several subsidiaries in order to find the best one for your needs.
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