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Ohio Casualty Insurance Review

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UPDATED: Nov 30, 2018

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Ohio Casualty Insurance
Financial Strength
Looking for Business Insurance?
We Recommend Hiscox

Ohio Casualty has been re-branded under the Liberty Mutual name. You can read the most up-to-date review by clicking here.

A subsidiary of Liberty Mutual Insurance Group, Ohio Casualty operates in Ohio, Kentucky, Maryland, Pennsylvania, New Jersey, West Virginia, Virginia, and the District of Columbia. Policies are sold through independent agents within the region. Its personal insurance sister company is Safeco, who is also owned by Liberty Mutual.

Since 1994, Ohio Casualty has supported non-profit groups in Ohio by writing grants for local health and human services organizations through its Ohio Casualty Fund.

Insurance Products

Ohio Casualty Insurance products service small and medium-sized businesses with coverage for general liability, commercial property, commercial auto, inland marine, worker’s compensation, and more specialized coverages such as theft, employee fraud, etc.

Ohio Casualty is especially strong in farm insurance, inland marine and school insurance policies as well as breakdown insurance for companies with specialized commercial equipment. Liberty Mutual subsidiaries generally offer very competitive rates on business owner packages, general liability, commercial property, and commercial auto policies.

Ohio Casualty Rates

As a regional carrier, Ohio Casualty tends to provide more customized solutions for smaller entities than is generally available with national providers. With this model, some business classifications will find much more affordable insurance while other business classes may find a national carrier’s rates and coverage are more appropriate.


To report a claim, policyholders can call Ohio Casualty at 866-255-5530. This number is available 24 hours a day, 365 days a year. You can find a little bit more about their claims process here.

The company guarantees a trained customer service representative will take the claim information and begin processing it immediately, regardless of the time of day, and a local claims representative will contact the claimant before the end of the next business day—or the same day if the loss involves death, hospitalization or an uninhabitable residence.

Consumer Research and Complaints

As a subsidiary of Liberty Mutual, headquartered in Boston, Ohio Casualty does not have its own listing on the Better Business Bureau website. Liberty Mutual, however, is accredited and has been since 1931. Currently Liberty Mutual has an A+ rating with the BBB. Ther have been 1,244 complaints made in the past three years, 480 of which have been closed in the past 12 months.

Consumer complaints about Ohio Casualty itself are primarily filed by claimants rather than customers with the company. Complaints include claim denials and perceived underpayments. Complaints made by business clients about the company are uncommon.

Financial Strength

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch A- Positive
S&P A Stable

Bottom Line

Ohio Casualty has offered business insurance products for a while, and they are now being absorbed by Liberty Mutual. Their website refers customers to Liberty Mutual, and their logo has changed to reflect the acquisition. Because of this, things like their financial strength will probably go up when they start fully operating under their parent company.

Anyone looking into Ohio Casualty for their business insurance needs should be comfortable ultimately being under the Liberty Mutual banner. As of this review, they are one of our top rated personal-lines company, so we feel confident in Ohio Casualty going forward.

Review Date
Ohio Casualty
Author Rating

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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