I had a lot of business with Liberty.

Business insurance, workers comp, homeowners.

Had 1 claim in 5 years - a broken pipe flooded our basement.  It was covered and they were supposed to pay replacement cost.

Fought us at every turn.  Eventually we had to hire an attorney (and pay his fees, of course) to collect.  Even then wound up settling for less than we were entitled to or would have waited years more to collect anything.