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eSignature Terms & Conditions

By using the eSignature feature of this website, you agree to the following terms and conditions, so please read them carefully. These eSignature Terms and Conditions may be revised at any time by our updating of this notice and publishing it on our website.

By agreeing to these eSignature Terms and Conditions, you and all other document signers have chosen to electronically sign all insurance documents. Your electronic signature shall have the same legal effect as a written signature and by using eSignature, you are deemed to have read every record and document before electronically signing same. If you do not understand any record or document, then you agree to communicate directly with an appropriate representative of Liberty Mutual concerning your understanding prior to your continued use of eSignature.

You are under no obligation to transact business electronically. If you would like to submit your forms via regular mail or facsimile, you may call us at 1-800-295-3753 and we will send you a paper copy of any forms provided to you electronically.

In order to electronically sign your forms, you must have a device that will connect to the Internet, access to an e-mail account and access to an internet browser. Access to Adobe products will not be required to electronically sign forms but will be necessary in the event you need to download the forms.

You represent and warrant without reservation that you have the legal right, power, and authority to agree to the Terms and Conditions stated herein on behalf of yourself and all other document signers on whose behalf you are acting. You further agree that your eSignature constitutes an "electronic signature" as defined by the Electronic Signatures in Global and National Commerce Act ("E-Sign") and/or the Uniform Electronic Transactions Act ("UETA"). You further acknowledge and agree that by using eSignature you agree to all terms and conditions contained herein and that such agreement is an "electronic record" for purposes of E- Sign, UETA, and the Uniform Computer Information Transactions Act and as such is completely valid, has legal effect, is enforceable, and is binding on, and non-refutable by you and the member on whose behalf you are acting, if different, as if it were any other duly executed paper contract.


Paperless Policy Terms and Conditions and Disclosure

Please read this Paperless Policy Terms & Conditions and Disclosure thoroughly - it contains important information about your policy. In order to transact electronic business with us as well as receive your insurance related documents electronically, you must read and agree to the following terms and conditions.

You have indicated your desire to receive and sign the forms relating to your insurance transaction or claim electronically through electronic format. This Paperless Policy Terms and Conditions and Disclosure ("Disclosure") applies to those forms, disclosures, notices or other documents that may be given to you and in some cases signed and returned to us as part of your insurance policy transaction or claim. By agreeing to this Terms and Conditions and Disclosure, you are agreeing that you have the authority to receive these documents electronically on behalf of all insureds under your policy. Moreover, you also understand and agree that Liberty Mutual may provide to you in electronic format only, either by email or by posting information on the website where you access your policy information or claim information, including but not limited to notices, billing documents, endorsements, changes to your policy(s) and any other information relating to your insurance policy(s) that would otherwise be mailed to you.

The words "we," "us," and "our" means Liberty Mutual, certain of its affiliates or subsidiaries. The words "you" and "your" means you the individual(s) who desires to transact business or process a claim electronically and those who would otherwise sign documents relating to your policy.

  1. Method of Providing Communications to You in Electronic Form. All communications that we provide to you in electronic form will be provided either (1) via e-mail; or (2) by your accessing a website that we will designate in an e-mail notice that we send to you at the time the information is available. You will need a username and password that you created to access this website.
  2. How to Update Your Records. It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Insurance policies, and to maintain and update promptly any changes in this information. You can update your information (such as your e-mail address) by logging into Liberty Mutual eService, which is accessible through www.libertymutual.com.
  3. How to Update Your Records. It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this Disclosure and your Insurance policies, and to maintain and update promptly any changes in this information. You can update your information (such as your e-mail address) by logging into Liberty Mutual eService, which is accessible through www.libertymutual.com.
  4. Hardware and Software Requirements. In order to access, view, sign and retain electronic Communications that we make available to you, you must:
    • Have a device that will connect to the Internet, access to an e-mail account and access to an internet browser. Access to Adobe products will not be required to electronically sign forms but may be necessary to view, download, or print documents.
    • Be able to view the disclosures on your device.
    • Have sufficient electronic storage capacity on your computer's hard drive or other data storage unit.
    • We will update you if there are any changes to the hardware or software requirements that could impact your receiving or signing such Communications.
  5. Requesting Paper Copies. You can obtain a paper copy of any Communication we provide to you electronically by printing it yourself or by requesting that we mail you a paper copy. Requests for paper copies must be made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact your Liberty Mutual Sales or Service Representative. There is no charge associated with requesting a paper copy of a Communication we sent you electronically. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.
  6. Mandatory Paper Copies of Electronic Communications. We will not send you a paper copy of electronic Communications unless you request it, we otherwise deem it appropriate to do so, or in some instances where we are required by law to send paper copies of documents. While you may elect to receive electronic Communications from us, depending on state law, there may be documents and Communications that we need to provide to you in paper form, such as vehicle identification cards which should be kept in your vehicle at all times.
  7. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered "in writing." You should print or download for your records a copy of all electronic Communications, this Disclosure and any other document that is important to you.
  8. Billing Documents. By indicating a paperless billing method, bills will be issued online. All policy holders, regardless of chosen billing or payment method, are bound by the original payment terms and conditions, as stated on the original policy. In the event that your account becomes past due, you will receive a paper overdue notification via standard mail.
  9. Law. You acknowledge and agree that your consent to transact electronic business is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act, and your state's UETA law.
  10. Termination Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications or transact business electronically. We will provide you with notice of any such termination or change as required by law.
  11. Confirmation. You will receive a confirmation email from us once you consent to transacting business electronically with us. You should contact us if you do not receive this confirmation email within 5 business days.

By clicking "Submit," you are agreeing to the terms and conditions set forth in this Disclosure and you are confirming that you are able to receive the Communications pursuant to the hardware and software requirements noted above. If you wish to discuss Paperless Policy features in more detail, please visit our website at LibertyMutual.com or contact a Liberty Mutual Sales or Service Representative.