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Liberty insurance agency Let us walk a mile in your shoes

Insurance is complicated, but you don’t have to navigate it on your own. Our team of trusted advisors are experts and we’re ready to help. Every step along the way, we’ll give you the freedom to choose solutions that best manage your risk, protect your assets and help achieve your goals.

Every day, our professional team works together to transform deep industry knowledge into effective solutions for clients. At Liberty, we’re objective consultants – we listen first, and then assess your challenges and opportunities to find the best options for your business and personal needs. We’re passionate about monitoring and analyzing all aspects of the insurance industry so that you have the freedom to focus on your business, your employees and you and your family.

As one of the top insurance agencies in Western Pennsylvania, we’re proud to serve more than 7,000 business and personal clients regionally, nationally, and internationally.

Consider the landscape It’s a jungle out there

Insurance needs are more complex and tougher to navigate than ever before for buyers. What insurance challenges are you facing?

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Insuring
your
business

  • “The marketplace is confusing. As market forces fluctuate, I can’t keep track of constant changes that insurance companies make to their offerings and their pricing.”
  • “New ways of insuring my business are complicated: I’m considering risk retention but I don’t know enough about alternative funding and captive options.”
  • “More government regulations are requiring greater and more stringent compliance.”
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Insuring
your
employees

  • “I need to address the unprecedented changes that the Affordable Care Act is requiring for my employee benefits.”
  • “My business is in Western PA, and the heated competition between regional healthcare benefits providers is causing additional confusion.”
  • “I want to lower healthcare costs through wellness programs, but I’m not sure how to get started.”
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Insurance
for you

  • “I’ve heard there are advantages to working with an agent who can advise me, and I’d like to better understand what benefits that could offer me.”
  • “It seems that everyone on TV, radio and the Internet is trying to sell me insurance. Who can I trust to help find the best price and coverage unique to my needs?”

We can help

At Liberty, we’re taming the wild world of insurance. You’re under more pressure than ever to arrive at a plan that will effectively protect yourself, your capital and your assets, while you spend as few resources as possible. To help you get there, our team delivers customized and comprehensive services in a unique way that address your individual needs.

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CHART THE COURSE With The Liberty Advantage

The Liberty Advantage is a holistic approach to how our team navigates the complexities of the industry; it’s where data, insights and our expertise intersect to find custom solutions for you. We create a true, ongoing partnership with you by serving as your trusted consultant and advisor through the Liberty Advantage approach.

THE LIBERTY ADVANTAGE

Some things you just don’t want to rush. In the world of insurance, one size does not fit all. Our successful relationship starts with a focused discovery process so we can take the time to gain a thorough understanding of your specific challenges, concerns and questions.

Crafting better coverage. By knowing the right questions to ask, we’re able to apply our deep knowledge of the options available and design a custom program for you to effectively manage risk. Well-crafted insurance solutions can result in significant business advantages and an improved bottom line for you and your business.

Opportunity is in the details. We’re with you every step along the way to help you navigate through the plan so that it’s successfully implemented. As the program is in place, we’re disciplined to continuously monitor and assess how well it’s working for you.

By insuring your business, employees and personal assets, we’re ensuring your peace of mind.

The liberty advantage for your business

Using the Liberty Advantage approach, our commercial insurance experts conduct a comprehensive analysis of each client’s commercial needs to create a customized program. Our advisors are experts on compliance issues; we’ll help you navigate and address regulations that are increasing and more complex than ever before.

We offer commercial insurance products through more than 30 major carriers, along with access to hundreds of additional insurers on a brokerage basis. Our preferred status with many of the top insurers translates to additional benefits for you.

Property & Miscellaneous Products

  • Property
  • Equipment / Marine
  • Contract and Surety Bonds
  • Self-funded Programs
  • Flood and Earthquake
  • Transportation / Cargo
  • Builder’s Risk

Casualty Products

  • Liability
  • General
  • Pollution
  • Professional
  • Cyber
  • Employment Practices
  • Excess / Umbrella
  • Directors and Officers
  • Automobile
  • Worker’s Compensation
  • Fidelity/Crime
  • Fiduciary

INDUSTRIES

Examples of industries we serve:
  • Manufacturers
  • Real Estate
  • Wholesalers
  • Engineers
  • Automobile Dealers
  • Construction
  • Restaurants
  • Health Care

Commercial services include, but are not limited to:

  • Program Management Services
  • Risk Control Services
  • Claims Management Services
  • Workers Compensation Services
  • Large Deductible and Captive Solutions
  • Fleet Safety
Case Study 1
Manufacturer Reduces Experience Modification Rates

Manufacturer Reduces Experience Modification Rates

Customer Challenge:

In spite of “doing all the right things,” a mid-sized plastics manufacturing company was having an Experience Modification Rate (EMR) problem; it was spending too much on its worker compensation insurance premiums.

The Liberty Advantage Solution:

Our initial assessment found that preventable losses continued to occur, even though virtually all proper risk prevention items were in place: Machine Guarding, Lock-out tag out, PPE requirements, etc. However, rather than presenting a standard, “laundry list” of services and recommendations, our team took the time to carefully inspect the company’s operations and interview key personnel. Our approach to the problem identified issues that otherwise would have been overlooked.

By knowing the right questions to ask, we discovered that the underlying issue was in supervisor accountability. Employees had strong camaraderie, but it was preventing supervisors from strictly enforcing processes and procedures among their teams. By serving as a partner and a trusted advisor, our team worked with the company to create customized accountability plan.

Working with ownership, we implemented the plan that empowered shop supervisors to better enforce the guidelines and create an even stronger culture of safety. The plan included additional training materials and resources for specific preventative action items. Our team also provided First Class Claims service to mitigate the loss dollar when an injury did occur.

Outcome:

Over a three-year period, the Workman’s Comp spend is at its all-time lowest, due to Experience Mod reduction and more favorable market pricing, based on the company’s loss ratio trends.

Case Study 2
Retailer Updates Coverage and Realizes Reductions

Retailer Updates Coverage and Realizes Reductions

Customer Challenge:

ABC Retailer is a regional chain with more than 20 franchise locations. ABC’s last renewal saw a significant price increase due to a change in the insurance market cycle. The company’s CFO was frustrated when his current broker delivered a $75,000 (35%) price increase three days prior to its renewal. For the previous five years, ABC’s premiums had remained stable and had even been reduced by 15 percent, despite several substantial customer slip/fall and sprain/strain Worker’s Compensation losses. 

Additionally, ABC was not keeping pace with emerging trends in the insurance marketplace. No new policies had been added to its program in more than eight years.

The Liberty Advantage Solution:

ABC’s CFO had always been comfortable with his current agent, albeit, he was upset with the renewal outcome just two months prior, so when Liberty contacted him to inquire about the opportunity to look at their policies, he reluctantly agreed to meet with the Liberty team. Our team explained Liberty’s unique approach to proactive risk management. As a risk advisor, it’s our job not just to finance through an insurance policy, but to address the many areas of risk for our customers. Our goal was to change the way the insurance companies looked at ABC Retailer.

At our request for analysis, ABC provided our team with full access to its current insurance program, policies, and loss information. So that we could really understand all aspects of ABC’s needs, we conducted in depth interviews with additional members of the management team regarding policy and procedure details. We reviewed a detailed approach to the upcoming renewal quoting process established a comprehensive service plan. 

Outcome:

Three months prior to its renewal date, The Liberty team was able to explain how all of these suggestions and assistance could be provided at no additional cost to ABC. In fact, we were able to outline a plan that would likely drop ABC’s insurance spend by 10 to 15 percent over a three year period. We also suggested additional policies with appropriate deductibles to cover exposures such as EEOC suits from disgruntled employees, along with cyber exposure coverage for online credit card transactions. 

The Liberty Advantage is truly a win-win for customers. In the case of ABC and many other customers, insurance company commissions cover the costs 90 percent of the time. Our team always explains the ROI potential, if additional fees are required.

96% of our customers rank our Commercial team as excellent or above average (2013 Customer Satisfaction Survey).
The Pittsburgh Business Times Journal recognizes Liberty Insurance as the region’s fifth largest commercial insurance broker

The Liberty advantage for your employees

By employing the Liberty Advantage approach, our experts address the complexity of employee benefits and develop plans targeted to address unique needs for each client. We offer a wide variety of Employee Benefits products and insurance services. Through our partnership with over twenty-five of the nation’s top insurers, we’re able to provide the best products at competitive prices for your business.

INSURANCE / THIRD PARTY ARRANGEMENTS

Through our partnerships with over twenty-five of the nation’s top insurance service providers, we’re able to provide the best insurance arrangements for the most competitive cost, including:

  • Medical
  • Dental
  • Vision
  • Life Insurance
  • Loss of Income
  • Retirement Plans
  • Self-Funded Programs
  • Wellness Programs
  • Long Term Care
  • TPA Services
  • Flexible Spending Accounts
  • Health Reimbursement Accounts
  • Health Savings Accounts
  • Business Travel Accident
  • EAP Programs

CONSULTING SERVICES

We view each client as unique and customize our consulting services based on the degree of complexity or simplicity of your benefits program. We approach our fees for consulting in the same manner; we consider the level of support needed to deliver a comprehensive benefits program to your most valued asset. Our capabilities include:

HEALTH AND WELFARE BENEFITS CONSULTING

  • Plan Design and Implementation of Changes
  • Annual Planning Sessions
  • Benchmarking
  • Risk Review and Analysis
  • Claims Utilization Analysis
  • Plan Modeling
  • Compliance Support
    • Explaining the impact of regulatory environment on your benefit plan. Including, ERISA/COBRA/HIPAA/PPACA
    • 5500 Preparation
    • SPD Preparation
    • Compliance Reviews
  • Employee Contribution Strategy
  • Actuarial Services
  • Employee Educational / Enrollment Meetings
  • Benefit Communications
  • Wellness Program Assistance

BROKER SERVICES

We believe the role of a broker is to stand in the shoes of our clients. While we build strong relationships and partnerships with many insurance carriers and third parties, we represent our clients, not the carriers from whom they purchase coverage. Our broker services include:

  • Market Study Analysis
  • Requests for Proposals
  • Vendor Implementation
  • Renewal Negotiations
  • Contract Review
  • Vendor Liaison
Case Study 1
Employer Consolidates Health Plan with Alternate Funding

Employer Consolidates Health Plan with Alternate Funding

Customer Challenge:

A retail distributor with eight branches in three states had been sponsoring three health plans, each separately rated and managed by an HMO. Costs of those plans were expected to increase 24%.

Company goals were to:

  • offer the same benefits for the same cost to all employees in all locations
  • explore self-funding for its health plan
  • decrease costs

The client had found that local brokers were not able to effectively consolidate benefit plans across state lines or access necessary data to evaluate self-funding. Large national consulting firms deployed only junior resources, who were inexperienced in managing interstate benefits.

The Liberty Advantage Solution:

Short Term
As a partner, we went into action by first meeting with the client and listening to its goals and objectives to gain a thorough understanding of business needs, company culture, and budgetary constraints. We committed senior experts, who developed short- and long-term plans and were responsible for strategy implementation. As a licensed broker in multiple states, Liberty was able to effectively manage the consolidation.

We analyzed the benefits and costs for each of the three plans to create a consolidated option that took advantage of the client’s collective size. It included a Consumer Driven Health Plan (CDHP) with a Health Reimbursement Arrangement, along with a traditional PPO option that offered employees a choice with costs similar to their previous coverage. Liberty also educated the client on the CDHP, along with self-funding options to consider in the long term. 

To help ease the transition, a senior member of our team, who understood both the plan changes and the client’s culture, actively participated in educational meetings at all eight client locations. This full support and service were part of Liberty’s value.

Long Term
After the fully insured consolidation, our team also began analyzing the claims data to assess opportunities for additional savings. After the second year of plan consolidation, the client was faced with a 25% increase from its insurance carrier. Fortunately, we had already been looking at alternative funding methods, educating the client about the advantages of self-funding and illustrating the potential cost impact by structuring the appropriate stop loss levels.

Results

Short Term
First-year participation in the CDHP plan was 50%. With the successful plan implementation, the client saved 14% in overall costs the first year, and with a favorable loss ratio, experienced a 0% rate increase the second year. The total premium savings for the client in year one was 200% greater than Liberty’s annual fees, providing an excellent value-to-cost ratio, supported by excellent services and results that exceeded client expectations.

The client's decision to provide the consolidated plan achieved goals by:

  • providing the same benefit options to all employees throughout the multi-state company
  • providing premium savings 
  • offering a Health Reimbursement Arrangement
  • added incentives for employees to maintain good health

Long-Term
By implementing a self-funded plan for this 400 employee life group, we projected a total plan cost reduction of over $600K for their first year self-funding with a net savings of $240K over a two year period. At the end of their first year of self-funding their actual costs were running 23% lower than projected, with the additional savings flowing directly to their bottom line. The end of years two and three they had trend increases to their health plan.

Case Study 2
The Power of Negotiation Translates into Cost Savings

The Power of Negotiation Translates into Cost Savings

Customer Challenge:

An international manufacturer of automotive industry components with employees and retirees throughout eight U.S. states was seeking to:

  • Contain its employee benefits costs
  • Maintain the richness of its current benefit package
  • Retain access to a strong network of physicians and hospitals.

Challenges for this client included the fact that it was without any U.S. based human resources leadership in the organization. Further, the client was not large enough to receive adequate claim data from the carriers.

The Liberty Advantage Solution:

Because of the client’s staffing situation, our team made the commitment to establish and maintain a proactive, hands-on approach to accommodate the client’s unique needs. We took the time to get to know the manufacturer’s specific challenges, concerns and questions through a focused discovery process to develop a strategic insurance plan and a strong relationship for support.

Year over year, Liberty actively marketed the medical coverage to other carriers on behalf of the client. In doing so, we were able to leverage the competitive quotes for a reduction in the renewal increase.

By gaining a full understanding its unique needs and advocating for the client when seeking options, the Liberty team was able to present multiple choices, along with recommendations. 

Outcome:

Liberty was able to successfully negotiate double digit renewal increases:

  • Year one - from 13.36 percent down to 7.36 percent
  • Year two - from 10.5 percent down to 2.32 percent
  • Year three - from 9.8% down to 0.00% 

The successful negotiations resulted in a $300,000 savings over three consecutive renewal periods. No plan design or carrier changes needed to be made; therefore the richness of the benefit package was maintained.

Case Study 3
High Claims Yielding a High Renewal

High Claims Yielding a High Renewal

Customer Challenge

An international industrial engineering and manufacturing firm headquartered in Belgium with U.S. operations in Ohio and Pennsylvania received a 49.6% fully insured renewal increase raising their annual medical costs from $2M to $3M in one year due to large claims.

Their challenge: Offer the same rich benefit levels, keep employee contributions well below benchmarking norms, and increase employer contributions by no more than $200K for each business unit.

The management team was reluctant to move from fully insured to partially self-funded, a funding arrangement they were not familiar with, as well as leave the current network of providers.

The Liberty Solution

Because Liberty was monitoring monthly claim activity, the client was aware and prepared for the large renewal increase. We worked closely with the HR team and 20 members of the Management team throughout the year prior to renewal educating them on Consumer Driven Health Plans and self-funding as an alternative funding arrangement.

Liberty evaluated Third Party Administrators and the networks they offered, and stop loss carriers to protect the client from exposure to catastrophic claims under a self-funded arrangement.

Results

We were able to meet all of the group's objectives of maintaining the current benefit structure, offer a strong network of physicians and hospitals while maintaining employee contributions well below benchmarking norms.

aLiberty senior resource conducted Open Enrollment meetings at each location providing employees direct access to the lead consultant to reassure a smooth transition of the benefit changes.

The clients cost under a self-funded arrangement with a Third Party Administrator and stop loss protection reduced the clients year one expected costs from the 49.6% renewal down to 11.0%.

97% of our customers rank our Benefits team as excellent or above average (2013 Customer Satisfaction Survey).
Liberty is one of the leading independently owned employee benefit firms in the Mid-Atlantic Region, serving clients nationwide.

The Liberty advantage for you

For individuals, the Liberty Advantage approach enables us to offer risk management strategies and comprehensive personal lines that take all your business and personal interests into consideration.

We’ll build a customized plan for you based on a complete portfolio of insurance and risk management products that protect your personal assets including, but not limited to: life, disability, home, auto, long-term care.

Through our relationships with more than 25 of the nation’s top insurance carriers and access to hundreds more on a brokerage basis, we offer all the insurance products an individual or family needs for complete protection.

We’re able to provide the best personal insurance products at competitive prices:

  • Motor Vehicles
  • Automobiles
  • Watercraft
  • Collectible Cars
  • Motorcycles
  • Recreational Vehicles
  • Homeowners (Authority up to $25 million)
  • Tenant Homeowners
  • Condominium Owners
  • Valuable Items
  • Vacation Homes

Additional Products:

  • Flood Insurance
  • Mine Subsidence
  • Umbrella Liability
  • Group Life/Group Health
  • Boats and Yachts
  • Loss of Income
  • Estate Planning
  • Asset Management

We provide our business clients with the most comprehensive personal insurance services available, including:

  • Expert assessment of personal liability assumed in contracts, leases and condominium by-laws
  • Annual coverage surveys to determine potential exposure, coverage or needs
  • Assistance with claim adjustments; third party claims handled aggressively and in your best interest
  • Protection for your home, auto and assets (including items such as fine arts, valuable articles, automobiles, aircraft, watercraft, and financial security) both domestically and abroad
  • Risk management and insurance solutions related to estate planning and protecting your personal liability when acting as a director or officer of a non-profit
  • Coverage concerns regarding personal assets held in LLC’s or trusts
Case Study 1
Umbrella Package Policy Proves its Value

Umbrella Package Policy Proves its Value

Customer Challenge:

“Ms. Southby” is a busy professional, as well as a single mother and homeowner. She depends on her insurance agent to understand her needs, explain her options and provide her with the best pricing available with an industry proven carrier.

The Liberty Advantage Solution:

As a new Liberty personal lines client, Ms. Southby’s agent spent the time to conduct a full review of her personal exposures and assessed her current coverage. During the review, the agent recognized a gap in coverage and met with Ms. Southby to explain her exposures and options to reduce risk. 

With her prior agency, Ms. Southby maintained personal homeowners insurance with a $100,000 liability limit, as well as a one million dollar personal umbrella policy. The umbrella contract called for underlying requirements of $300,000. 

Liberty provided Ms. Southby with a competitive and comprehensive personal lines insurance quote, which Ms. Southby accepted. 

Outcome:

Shortly after the new policy was in place, a visitor to Ms. Southby’s home fell on her front steps and suffered a serious injury. The visitor’s bodily injury liability claim was $475,000. 

With the new homeowners and umbrella package policy:
The underlying homeowners policy paid  $300,000
The umbrella policy paid $175,000
Ms. Southby paid $0
With the prior carrier and umbrella policy:
The underlying homeowners would have paid: $100,000
The umbrella policy would have paid: $175,000
Ms. Southby would have been liable for: $200,000
Case Study 2
Higher Value Coverage is a Home Run for Retiree

Higher Value Coverage is a Home Run for Retiree

Customer Challenge:

Mr. Conner is a very successful businessman who recently retired. Finally with extra time on his hands he can pay his personal insurance exposure the attention it deserves. Although he’s been a client of the same agency for more than twenty years, when he calls with questions he is transferred to the carrier’s national call center. He is not getting the attention he expects. 

The Liberty Advantage Solution:

Mr. Conner visited Liberty’s office and discussed his home, cars, summer cabin and grandson with a licensed agent at Liberty. Mr. Conner mentioned that he has been collecting baseball memorabilia since he was a young man. He keeps it locked up, so he has never been concerned about insuring it. He guesses that the collection may be worth more than $25,000. At the agent’s urging, Mr. Conner had the collection appraised and was happily surprised to find out that just one of the items is almost that value! In fact, the entire collection should be insured for $80,000.

Outcome:

Mr. Conner is now a Liberty client who is very pleased that he has just one phone number and one representative to call for all of his insurance needs. For the same cost he had been paying, he is now getting a higher value of coverage. And, he now has a feeling of security that he didn’t have before. Mr. Conner also knows he has an amazing gift for his grandson’s 21st birthday. And, that if anything happens to his prized baseball memorabilia collection, it is covered.

Case Study 3
Benefit of Valuable Articles Policy Rings True for Homeowner

Benefit of Valuable Articles Policy Rings True for Homeowner

Customer Challenge:

The “Taylors” are long-time Liberty Personal Lines customers. Upon a recent renewal review, Mrs. Taylor mentioned that she has purchased some fine jewelry. The Taylors hadn’t mentioned it previously because they assumed the items were covered under their homeowner’s insurance. 

The Liberty Advantage Solution:

Our Liberty agent for the Taylors was able to explain that homeowner’s coverage limits the per-item coverage for finer items. She provided the Taylors with a quote for a valuable articles policy to cover the fine jewelry. The annual cost is insignificant and they purchase the insurance. The next year while traveling Mrs. Taylor notices her diamond ring slipped off of her finger and is missing. 

Outcome:

Mrs. Taylor called her agent to report the loss. After a quick return call to the claims adjuster, she put the sad loss out of her mind for the remainder of her traveling week. Upon her return home, she stopped at the post office to pick up her mail and was elated to receive a check in the amount of the full value of the ring.

95% of our customers rank our Personal Lines team as excellent or above average (2013 Customer Satisfaction Survey)
Our personal insurance department is part of a select group that achieved the Chubb Cornerstone, Encompass Gold Key and the Travelers Elite designations, which represent the highest standards set forth by these carriers.

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Pittsburgh Office
Manor Oak Two, Suite 800
1910 Cochran Road
Pittsburgh, PA 15220
PH: (412) 571-5700
FAX: (412) 571-9909 Get Directions
Jeannette Office
615 Harrison Avenue
Jeannette, Pa 15644
PH: (412) 571-5700
FAX: (412) 571-9909 Get Directions
Allison Park
2857 Oxford Boulevard, Suite 211
Allison Park, PA 15101
PH: (412) 571-5700
FAX: (412) 571-9909 Get Directions