Do you consider yourself a creative thinker in the workplace, or do you prefer to follow a predetermined set of rules?

"In the workplace, I prefer straightforward rules and expectations. Once I am comfortable with my knowledge base, I can start thinking outside the box. So - to answer your question - I would say I bring a healthy balance of both."

The interviewer is looking for insights into your working style to understand whether it will complement their environment. Most organizations prefer to hire resourceful candidates who exhibit outside-the-box thinking and can apply creative thinking as needed but follow protocol and guidelines. Assure the interviewer that you, as an individual can achieve both. They want to know if you have a propensity to think fast on your feet or are easily discouraged without regimented guidance.

"I am most comfortable when my creativity is challenged. I like to think of new ways of working and create alternate solutions to various scenarios. With that said, I am more than capable of following a predetermined set of rules."

"I like rules that give me an outline of what is expected and guidelines. But, would consider myself a creative thinker with boundaries."

When it comes to Insurance, would you rather work face-to-face with clients or in the background in a research and analysis based role?

"I am more of an analyst type and prefer to be in the background, making the numbers happen. With that said, I am still a people person and would always put my best face forward in any customer-facing situation."

Talk to the interviewer about your preference around number crunching vs. customer-facing. This question hopes to discern whether you are an extrovert or an introvert. A research and analysis-based role is solitary work, whereas working face to face with clients is more interpersonal, collaborative, and team-oriented. They're looking for candidates with analytical skills who also have an interpersonal approach, striking a balance between both spheres. Don't classify yourself as one or the other unless it's genuinely the case. Put self-evaluative thought into your answer rather than trying to rush through it.

"I am more of a face-to-face communicator. I love being in the buzz of it all and thrive in customer-facing situations. I am also able to work in the background when needed."

"I really enjoy both aspects. But, being face to face with the customer gives me an opportunity to get a true feeling of what they are experiencing."

Tell me about a time you couldn’t meet a deadline. How did you handle it?

"I was spearheading two separate projects and took on a third, convinced I could deliver all three of them on time. This third project was very involved, more so than I expected, and it slowed me down. The deadline approached, and the first two projects were close to being done, but the third was only halfway there. I realized I would either miss all three deadlines or just one if I abandoned the third project and reprioritized the first two. I passed off the third project. I thought I could do anything, but I realized it was better to do a few things well than more at a lower quality of work. Since then, I'm conscientious in striking a balance between over-performing versus biting off more than I can chew. One needs to know their limits."

Refrain from deflecting blame or offering excuses or examples that resulted in disciplinary action. This question assesses your capacity to take responsibility for your actions and what you tend to learn from your mistakes. Include the impact it had on the business or project and your professional development moving forward.

"When I was estimating for a Remediation Co. I was assigned a large property in the Historic District. Being in the Historic District I knew there would be county guidelines to be followed. It was a huge home with massive damage to the interior and exterior. I was given 4 weeks to prepare my estimate. I immediately began by researching the legalities of zoning and the specific product needed for repairs. I met with engineers and contractors. Applied for planning and zoning reviews, however, when the deadline came I was not complete as I was waiting for engineer reports. Luckily I was granted an extension of two weeks and did complete the estimate."

Tell us about a time you had to work with a difficult person.

"I prioritized my studies and stopped covering a co-worker's shifts. When I prioritized my studies over their needs, they stopped being nice to me. Their attitude took on a negative tone. Soon, I noticed they weren't being all that nice to anyone. That kind of negativity can be toxic and contagious. I found it challenging. I smile a lot, and sometimes it felt like a strain to keep smiling and having a good time around that energy. But I kept smiling anyway. Sometimes they'd realize they were the only ones not having a good time, and they'd ramp up their drama. It was certainly a challenge working closely with them at times, but you cannot internalize another person's emotions as your own. Just stay true to yourself."

Strong interpersonal and communication skills combined with emotional maturity are traits of strong leadership. Team collaboration broadly enhances work relations. Investing time in building stronger collaborative work relationships, especially with those who take more effort to get on the same page, makes for a much stronger team. Proceed with caution when navigating this question. Consistency is of value here. This question goes deeper than working with a challenging co-worker. The interviewer wants to determine how easy you are to work with. Providing examples of multiple difficult co-workers will probably betray your narrative. Expressing that you've worked with several difficult coworkers could insinuate you were, in fact, the problem employee.

"As an Adjuster we deal with many personalities. Many homeowners are defensive and difficult as soon as you meet with them. I try to understand they are going through a very confusing process and feel vulnerable due to the loss. Showing empathy and mirroring their emotions seems to calm them as they feel I understand their situation."

What is your greatest strength and your greatest weakness?

"I think my greatest strength is my eagerness to please, but my greatest weakness is not being able to say no. In the past, I've bitten off more than I can chew and struggled with how to communicate 'no.' Since then, I learned that not communicating what's possible within my well-managed time and taking on more than I can handle will lead me to underperform. I've gotten a handle on this. But being a people person who is not easily offended and rarely takes things personally, saying no can be hard for me. This trait is a strength and weakness. I'm learning how to strike a harmonious balance between the two."

How you answer this question will give the interviewer insight into your self-awareness and how you identify your merits and growth opportunities. Provide the personal strengths that make you an excellent candidate and explain how they'll aid your success in this role. Align your strengths with what Liberty Mutual is looking for in their ideal candidates. Frame your greatest weakness as an asset in its own right. Holding yourself to a higher standard and being your own harshest critic can be a weakness. Also, present your weakness as a growth opportunity that you're already aware of and actively working on. Remain conscious of your body language throughout the interview process. Make sure your answers remain consistent with how you present yourself.

"One of my greatest strengths is I am self-motivated and aware of time management. A weakness is I am a "type A" personality and will often take on additional workloads that may set me behind. My method to manage this is to pause and evaluate my own workload to see if I can assist, or guide my co-worker as to how to fit the task in."

When have you shown great integrity at work?

"In my last position, I was responsible for the cash deposit every day. There was never a discrepancy in the four years I worked there. I best show my integrity by being a consistently reliable employee."

It's natural for honest individuals to expect everybody else to be honest like them. This is no different from when an untrustworthy person assumes everybody is attempting to subvert them. The objective here is to suggest integrity as intrinsic to your makeup and everyday practice. Communicate your answer with composure.

"I show integrity at work all of the time. It's incredibly important to consistently show excellence through integrity. In the workplace, I show integrity by keeping my promises, earning and keeping the trust of my colleagues, and avoiding all workplace gossip."

"I try to consistently show integrity, because it's a matter of honesty. I know of some representatives that offer phones with rebates or accessories, just to make a sale, or saying there is a money-back guarantee when there isn't. I just present the value as it is and as it pertains to my customer's life."

"Working for a Restoration company I was to meet an Insured at their home which had water loss from a pipe break. When I arrived I notice them dragging a water hose out the back door. When I inspected the loss I could tell there was additional water at the base of the cabinets that could not have been from the pipe break the day before. I did not discuss my observation with the homeowner. I complete my inspection but did tell my supervisor what I witness and that we would not accept this job."

Do you think honesty is always the best policy?

"Sometimes full disclosure can damage someone's self-esteem, and reality isn't always best expressed in full and can be self-indulgent based on the person's intention. In those instances, honesty isn't always the best policy."

This question aims to evaluate your self-perception and integrity. This question is about the nuances and logistics of situational honesty. Focus your answer on perception and intentions. Explain that you see great value in transparency while respecting the chain of command. Touch on emotionally confusing situations and how your integrity guides your responses. Attest to your integrity and what your word means to you. The semantics of your answer can reveal hidden intentions, so choose your words carefully.

"I feel that honesty is the best policy so long as the honest comment is not intended to be hurtful."

"Honestly is always the best and only policy. You can probably get by the other way and maybe even be successful for a bit, but it will likely come back to haunt you. I have two daughters now and a wife, and raising my kids with integrity is paramount to me and it starts with me."

What causes you to feel dissatisfied on the job?

"I can feel dissatisfaction on the job when I am not feeling heard or when there is no mutual respect among team members. I work best in more harmonious situations with little drama or gossip."

There are several approaches you could take to this question. You could name something that you'll likely not encounter at Liberty Mutual and offer that as a reason for pursuing this opportunity with them. Liberty Mutual values acting with empathy, dignity, and respect. You could say you prefer not to work in environments that operate according to the status quo or are disengaged with their staff, where nothing is transparent. You could also list things that are deal-breakers for you. Talk to the interviewer about any factors that may deflate or discourage you in the workplace. Counterbalance your answer with your ideal work environment, aligning this with what they offer.

"I have felt dissatisfied on the job when I feel underpaid and overworked. I don't mind working hard, but I don't like to be taken advantage of."

"When I feel that I'm under-compensated and generally not appreciated by my employer, I become dissatisfied. I also need the stimulation of a challenge and attainable daily goals. If I feel I'm not doing the right thing or something that is kind of meaningless."

"A lack of teamwork and a lack of communication."

"If I do not have support from team members or supervisors."

How do you like to be recognized for your accomplishments?

"I am very much an over-achiever and find that the best way to recognize me for a job well done is through words of kindness and recognition. I am easily encouraged, and the best reward is to know that my hard work is being noticed."

The goal of this question is to identify what factors motivate you at work and inspire your productivity. We all like to be recognized in some way for our accomplishments in the workplace. Give the interviewer insights into what motivates and inspires you rather than focusing on tangible rewards or compensation. Stress that you won't burn out easily in this field. Share what helps you stay productive throughout your workday. Explain how you approach your work, regardless of the nature of the work. You want to advertise how well you'll complement their team and how well you work with others.

"I do not particularly love public recognition, so I would say that the best way to recognize me for my accomplishments would be to increase my responsibilities and continued autonomy."

"We all like to be recognized for our accomplishments right? I think that Title promotions for repeating accomplishments is great. Also, travel, as I want my family to be able to see new places and cultures. To be singled out publicly as an achiever is great as well."

"The best reward for me is acknowledgment. I feel if my superiors openly recognize my achievements they will then know I am ready to advance or take on additional tasks."

How would you describe your relationship with your customers or clients?

"My customer and client relationships are best described as open and honest. I believe the more upfront and transparent you are with your clients, the more likely they are to return. I value my clients and nurture those relationships as much as possible."

This question aims to evaluate your customer service skills. Demonstrate that you consistently deliver a favorable customer experience while remaining positive and enthusiastic. Present yourself as a good fit for any client-centric work environment.

"My customer and client relationships are most important to me. A happy client will help me achieve my targets and goals. Happy clients offer referrals and give you their business because you have developed trust with them. My client relationships can best be described as valued, nurtured, and well-crafted."

"I would say that I treat clients and customers as if they were my own family. I believe that is what holds long term clients."

"I try to be as much of a consultant for my customers, as possible. I do my best to educate them on all service and device options. I also try to connect with them above and beyond the actual sales interaction."

"Fantastic. I have a great rapport with most people in general. But, specifically with a customer who I know needs my kindness and empathy."

What type of work environment allows you to be the most productive?

"I understand that your work environment is very collaborative. I come from a similar environment and find that I could be very productive while collaborating with my coworkers."

Discuss your ability to remain focused and not easily distracted from your work. If you describe a very particular ideal work environment, the company will likely not be able to meet your demands and may pass you over for another candidate who is adaptable to any environment and has no trouble staying focused and on task. Consider whether you can be productive in any environment and if there are particular environments that you find distracting but can work within. Discuss your preferences with the interviewer. Thoroughly research their work environment before the interview.

"I work well in a high-pressure, demanding environment that requires me to work smart and make my mark."

"I think that I work best where I have a clearly defined objective; there is a proven methodology for obtaining that objective and quantifiable steps in the methodology. If I have these tools and I can differ to colleagues and leadership to fill in the gaps, I can work very well independently. At that point, it's just about effort."

"I work very well under pressure. When I have a lot on my plate it motivates me."

At Liberty Mutual, we prefer to hire individuals with longevity in mind. Where do you see your career five years from now?

"As you can see on my resume, I have strong tenure with my previous employers. I would love to find a long-term home where I can naturally grow. Over the next five years, I would love to be promoted within Liberty Mutual as I prove my strengths and abilities."

Your answer will inform the interviewer of your ambition and the direction of your career. Showing that you've created and periodically adjust your five-year career plan will present you as someone who's taken charge of their career. They'll likely then measure your career goals against what they have to offer. Every employer aspires to invest their resources in those interested in mutual growth towards like-minded opportunities. Assure them you're aspiring to grow your career with this company and that you see this opportunity as a symbiotic match fostering a strong employer/employee relationship.

"In five years, I want to see myself as part of your executive team. I would also like to see the size of my portfolio triple in value from where it is today."

"I see myself growing professionally in my role as an auto claims representative."

"Let's say 10 years. I want Liberty Mutual to be my final career move. I feel I will be able to utilize the skills I have and that LM give me many areas in my field that I could advance down the line."

Tell me about an error or mistake you made because of a breakdown in communication from you or one of your team members.

"A supervisor passed a project onto me and said they needed it back by the end of the day. They were carrying on several conversations simultaneously and were distracted and stressed. They hurriedly asked me if I understood or had any questions and rushed off. So I set every other project aside, including two that were nearly wrapped up and also due by the end of the day. I then spent all day working on this new project and delivered it at the end of my shift. But when I did, they looked confused and asked me what I was giving them. I reminded them, proud of my work. Then they explained, with frustration, that it was due by the end of the day next Friday, not by the end of the day today. They then asked me where the other two projects were, and I explained I'd set them aside. This triggered a pretty severe reaction. Everyone was already leaving for the day, and this supervisor was frustrated that we both had to stay late until we completed those other two projects. I was frustrated and upset but smiled and got back to work. It only took another hour and a half to finish those other two projects on my own. I blamed myself. The supervisor asked me if I had any questions, and I normally mirror these things when communicating to ensure we're on the same page. I knew this supervisor wasn't the best communicator, but on this occasion, I was timid and too eager to please, so I just moved forward with the work. I've since worked on adapting my communication style to others, and as a practice, consistently mirror to make sure the message sent is the message that's received."

There is an old expression in leadership surrounding communication: 'A message sent is a message received.' This saying highlights the individual responsible for communicating something clearly to others and taking the extra steps to ensure what was said was understood. Often, if someone in leadership inadequately communicates the full scope of the work or the reason it needs to be completed a certain way by a particular deadline, this could lead to misinterpretation. In this case, the misinterpretation is the message received. Consider this when presenting your example. Acknowledging an understanding of this concept and taking the leadership responsibility onto yourself, rather than blaming the person communicating the information, conveys that you strive to be more adaptable to others' communication styles and exhibit leadership potential. Yet, in the end, even though you accept responsibility for your part, you reveal an above-average scope of the big-picture. This perspective sets you up as a desirable candidate.

"I had a manager text me once about a client who was not happy with the results of my work. The wording of the text felt somewhat aggressive. I was on a date with my spouse when I received the text, and it spoiled our evening. I was somewhat upset. I put in my best at all times and felt that the conversation would have been better delivered to me in person. The next day, I approached the manager and requested that future communication of that nature be conducted in person versus text messages that only served to upset my work/life balance. I apologized for my initial defensive reaction."

"I have a customer who is very loyal, but requires a lot of attention. She needed a screen protector replacement, and I was not in the store that day. I asked my friend to process the form based on her account and just have it waiting for her. She had an iPhone 11, and I told him an 11 pro, which is a different size. This was at the end of her eligibility for the free replacement and she wasn't happy about it at all when she realized. After apologizing for the mistake being my own, I used my employee discount and purchased the correct one for her."

How would you describe liability to someone?

"If I were explaining the concept of liability to a customer, I would explain the concept situationally. To suggest that liability means a person might be legally responsible for any expenses when they are at fault sometimes doesn't drive the point home. That's why at the onset of any conversation on this topic, I begin by asking a lot of questions. Once I understand their situation and needs, I can help them identify their needs and the reason behind them."

One's legal responsibility is a definition of liability. Especially in the insurance industry, several basic policies cover the legal expenses surrounding situations where you are liable, or responsible by law, to pay expenses. Communicate this as you would to a potential client. Use this as an opportunity to sell the concept of liability insurance, as you would to a potential client.

"A liability is an obligation. If you are hurt at a store for example it is the store's obligation to remedy any damages to you. Holding them liable."

How do you define empathy?

"I consider myself very empathetic. I take time to listen and contemplate. People want to feel heard, and when you make them feel heard by not interrupting them and validating what they've shared with you, you empathize with them. After you've done this, you'll earn their trust through your responses. This is how I interpret the adage 'the customer is always right,' but I rephrase it as 'the customer is always heard.' When a customer truly feels heard, they'll more readily trust that you are trying to help them."

Empathy means understanding the nature and feelings of another. One aspect of mastering effective communication is being adept at listening, mirroring, and empathizing with another. A customer service experience is rarely positive when lacking empathy. When the interviewer asks you to define empathy, they are asking how empathy fits into your work style, communication style, and approach to the customer experience you deliver.

"Empathy is literally taking on the feelings of another person. Really getting a full understanding of what they are experiencing and mirroring that emotion."

How do you respond to feedback?

"Even though it can be difficult to hear criticism, I always pause before I respond and take time to think about it first. If it catches me by surprise, I usually ask the person to clarify or explain. I want to grow and improve, so the more specific my supervisor can be, the more helpful it is."

Your interviewer wants to assess how proactive you are in receiving feedback. Receiving feedback from a manager or supervisor can be nerve-wracking. Delivering negative feedback in an unprofessional manner is a reflection of that person's mood or outlook and not you. You can't always predict what they may say or how you might feel in response. Your interviewer wants to know if you are easily offended or defensive and how you respond to feedback - constructively or negatively. They are also curious if you take responsibility for your actions or are quick to reassign blame, whether justified or not. Consider this when answering this question.

"I love receiving feedback from my employer because the feedback allows me to better understand where I need to improve."

"I think I respond well to feedback, as it's usually positive and I give it time to consider so that I'm not overly emotional."

"I respond well to feedback and often will seek constructive feedback as a way to allow myself growth in a career."

"I am very open to feedback, I have an open mind and think that good and bad feedback helps me learn and grow."

Insurance contracts can be detailed and lengthy. How do you help your clients understand their Insurance contract?

"I understand that insurance policies and contracts can appear complicated to my clients. I will walk them through each section before they sign and use simpler terms and analogies when needed. I have often had clients comment on my ability to relay the information to them in an easy-to-understand method."

Freely share your communication style with the interviewer, emphasizing your communication skill level. Display your ability to adapt your communication style to others, especially when relaying complex insurance matters in laymen's terms. Client contracts and policies are likely full of details and difficult-to-understand concepts, especially for the typical layman. Walk the interviewer through your process. Avoid speech crutches, such as overusing the word 'like' or 'um,' and speak clearly and concisely with confidence.

"Yes, insurance contracts can be difficult to understand! I do not want to assume that a client is struggling, so I will let them go through the contract at their own pace and then encourage questions through all steps in the process."

"I try to help clients understand their insurance contract by breaking it down into less industry heavy statements, and making sure I explain the contract as easy as possible."

"I think that patience and paraphrasing are important."

"Helping the Insured understand their policy is a large part of Adjusting. I like to break it down as much as possible. Coverage/Endorsements/Exclusions."

Rate your communication skills from 1 to 10 with proper examples backing your given rating.

"I rate my communication skills as a 9/10 as I am not always as clear as I would like to be. My supervisor and co-workers will attest to my clear and concise communication skills. Because I am an open leader, my team will let me know if I need to clarify anything."

Communication is more than getting everyone on the same page. It's about how a message is conveyed. Advertise that your communication skills are above average. Emphasize this is the case for both your writing skills and oral communication skills. Detail how you contributed to enhancing communication in the workplace in your previous positions. Make sure you communicate your message clearly and concisely to your interviewer when answering this question.

"I will rate myself an eight because I value communication, but I have things to learn. I ensure clear communication by utilizing multiple methods of delivering messages and giving ample time for questions before implementing changes."

"No one's perfect, so I'll give myself a 9. I am capable of clearly writing and verbally expressing myself. I practice active listening, which I believe is a strong component of communication and. I also believe it's important to know the type of individual that you are communicating with, as different people communicate in different ways. Dynamic individuals like to get right to the point, while more diplomatic individuals require a longer explanation."

"9+ I am determined for people to understand me and the process I am trying to achieve. I will back up my verbal communications with written conversation. I feel that way if the other person did not fully understand me verbally they will then have an opportunity to read and respond to the communication in text."

Tell me about your post-secondary experience and how it prepared you for a career with Liberty Mutual.

"I will apply every valuable piece of knowledge gained from my Bachelor of Business Administration Degree to my work with Liberty Mutual. My University experience was a positive one. I applied myself wholeheartedly and graduated at the top of my class. In addition to the knowledge gained, I also developed strong organizational skills and a keen ability to multitask; additional skills that I look forward to bringing to Liberty Mutual."

The interviewer would like you to go deeper than the basic educational information on your resume and cover letter. Break down the lessons you gained during your post-secondary studies, extracurriculars, self-taught education, formal education, mentorships, or even perspective-altering conversations with your professors, anything relevant that influenced your career path and journey. Assure the interviewer that you have gained transferable knowledge and are prepared to apply that knowledge.

"Although I do not bring industry-specific post-secondary education, I completed some coursework that would be transferable to this role with Liberty Mutual. These courses include business administration, portfolio management, and organizational behavior."

"I have attended conferences and special events which will enhance my ability as an Adjuster LM. I have also taken courses in Estimating and Fraud Investigation."

What do you know about the culture at Liberty Mutual?

"I have researched Liberty Mutual a great deal and found that your company maintains a strong focus on a family-based atmosphere, even through your growth mode. I appreciate that your company rewards employee dedication through career growth and educational opportunities."

Before you interview with Liberty Mutual, you must perform your research. That includes combing over every detail on their company website as if you were already onboarding with the company and are taking a proactive approach towards your company education. Look up employee reviews for the company and any media or interviews with their executives. If you are able, speak with someone who already works in the company. Display to the interviewer that you are engaged in the interview process by doing your homework.

"Your company has an impressive industry reputation, and I would be thrilled to learn from your leadership team. From my research, I find that you are very involved in the community and put a lot of effort into developing your employees."

"Liberty Mutual Employees have told me that the company has a great workplace environment, and they take pride in integrity and serving their customers."

"My knowledge is somewhat superficial, but I know that it is a positive, goal oriented and team supportive culture. I know that Liberty really believes that employees are assets. I also gather that Liberty likes to promote from within, as there is such an emphasis on advancement. I can also guess that most people are willing to help one another, based on your philanthropic efforts. I also know that it's really about inclusiveness."

"Liberty Mutual has been in business since the early 1900s and has from what I researched been supportive of their employees and family focused. In addition, encouraging employees to advance with planned training programs."

Have you obtained any Insurance-related certifications or licenses?

"In 2009, I completed my Certificate in General Insurance through the Insurance Institute of America (IIA). I am currently completing my Associate in Insurance Services (AIS) certificate. Are there any other certificates or licenses required to work in this role?"

Some positions within Liberty Mutual require special certification or licensing. These requirements may differ from state to state. Talk to the interviewer about any additional certifications you may hold, and be sure to ask about their expectations and needs. Express flexibility and a willingness to pursue certifications to grow your career through growth opportunities within Liberty Mutual.

"I am newer to this industry and recently completed the Insurance Claims Training Course through FEMA. Are there any courses that you suggest I take immediately? I want to be well prepared for career growth at Liberty Mutual."

"I am Licensed in Florida, Texas, and Louisiana. I am current with all my continuing education and all Licenses are valid."

The Insurance industry frequently boasts of new trends and developments. How do you stay on top of these changes?

"I find it exciting to research and study new trends and ideas in the Insurance marketplace. I subscribe to a few favorite blogs. This way, I receive quick updates in my inbox every morning. If I need clarification on a topic, I will research the concept or trend further."

Exhibit your enthusiasm relevant to your field. Being 'in the know' within the Insurance industry takes dedication as it is an ever-changing landscape. Exhibit your knowledge by discussing what recent news or changes you've read about to stoke conversation, build a rapport with your interviewer, and connect. Exhibit a growth mindset at all times. If you take advantage of learning through continuing education credits, seminars, conferences, journals, and any other means of staying educated in your line of work, inform them.

"To stay up-to-date on insurance industry trends, I subscribe to various google alerts. I am also an avid reader who follows industry influencers. With that said, I love to learn about new resources! Which are your favorite methods of staying on top of industry trends?"

"I stay on top of these changes by actively seeking opportunities to serve customers better as frequently as possible."

At Liberty Mutual, many of our positions require a Bachelors or Masters Degree. Have you considered furthering your education in order to advance your career?

"I currently have a bachelor's Degree in Business Administration and have considered completing my MBA through online coursework on the weekends and evenings. If a Master's Degree is required to reach particular levels with Liberty Mutual, then I am happy to do so."

While not all positions require it, higher post-secondary education will hold value for some roles at Liberty Mutual. If you are interested in growing into other opportunities within their company, share your desire to expand on your post-secondary education towards this aim.

"I am always open to additional training and coursework. Since I already have my MBA, I would not return to full-time studies; however, if there is a course you recommend, I would be happy to attend."

"I have, definitely. I'm only a couple of semesters away from doing so and would welcome the opportunity."

"Yes, I have considered furthering my education."

"For the position of Catastrophic Adjuster, I have 11 years of uninterrupted experience. I am always open to additional education to strengthen or advancement in my career."

What are your salary expectations?

"I currently earn a base salary of $45,000 per year plus a potential 20% annual bonus. Last year my earnings were $52,000, and I would like to stay in the same range or slightly higher."

Perform research to find a realistic figure. Use your current earnings as a baseline. Contrast your current earnings with what you feel your current professional worth is in your job market, and allow for a range of flexibility with that number. Hold on to that figure before you offer it. Before you offer your salary, discuss the benefits you receive from your current employer. Now is fair game to find out what they offer. Share any bonuses or incentives, your commute, retirement packages, stock options, PTO, etcetera. Once you find where they're meeting, exceeding, or wanting, you can adjust your number. Be open, realistic, and honest. Transparency is the best choice when salary-based questions arise.

"I am currently making $100,000 per year with two bonus opportunities. I am looking for compensation aligned with the role and provides an opportunity for growth."

"I'm not sure what the base plus commission structure looks like, but I currently make just north of 75k in an all commission-based structure, so I would like to see a 60k salary with the ability to earn an additional 20-25k in commissions. In the end, as long as there is that realistic opportunity for me to increase my bottom line earnings and for future growth, I will be happy."

"In my previous position, I was earning $80,000. There was no Insurance or any type of benefits so I am open, to considering the full package."

Do you prefer to work with clients on their business/commercial insurance needs or health/life insurance needs? Why?

"I understand that Liberty Mutual offers their clients a full suite of services. I have experience working in all types of insurance and am comfortable in most areas. If I had to choose one area of strength, I would say that I have a few more years of experience in commercial insurance."

Some insurance companies focus solely on commercial/business insurance, while others work strictly on health/life insurance. Other insurance companies offer a full suite of services. Before interviewing with Liberty Mutual, be sure that you understand what they offer their clients. Your answer should highlight how the company and your background align. If you have more experience in one field over another, advertise that while exhibiting flexibility and willingness to increase your experience in both spheres.

"Although I have more experience in health and life insurance, I am eager to gain more momentum in commercial insurance. The variety, and challenge, would be welcome at this point in my career."

"I don't yet have the experience to know the difference, but I imagine I would prefer working on health/life insurance, as I would be providing security for families and helping them to protect their lives. Being a family man myself, that is what really speaks to me."

"I am strictly interested and trained in Property coverage. I am pleased with the area I am in and have been in some form of construction, remediation, or estimating all my career."

How do you feel globalization has affected the Insurance industry?

"I feel that globalization has forced many companies to be creative and flexible in their business insurance needs. Namely, companies that now have international offices hire offshore employees and participate in global trade. It has caused the Insurance industry to think outside of the box and has, in my opinion, created some very thought-provoking challenges."

Globalization is a business concept that encourages international trade to strengthen the economic situation between countries. Discuss with the interviewer your thoughts on why and how this practice impacts the Insurance industry.

"I think that globalization has made the insurance industry more competitive, thus creating a greater need for good reviews and customer satisfaction. Customers are better educated, which holds the entire industry more accountable."

Describe your experience working with members of underrepresented communities.

"Underrepresented and underserved communities deserve the same treatment, respect, and dignity as everyone else. You can't know what another person has been through or is going through. I try to be universally sensitive in my approach to all communities. Regardless of my position, personal or professional, I've always been a firm believer that everyone should be able to feel comfortable being their authentic self without judgment or preconception, so I do my best to make everyone around me feel supported, embraced, and heard."

When discussing under-represented communities, diversity, and inclusion, demonstrate empathy and acceptance. On the most inherently human level, we are all driven by the same basic needs and unifying experiences. Focus on the unifiers of diversity, general acceptance of the human experience, and the sensitivities of those from underrepresented communities. Communicate clearly and decisively. The last thing you want to do is come across as uncomfortable or out of your element when answering this question.

"To me, everyone is equal and everyone deserves equal and fair treatment."

Since beginning your career in Insurance, what do you feel has been the most significant industry change?

"The biggest change I have seen in the Insurance industry, since my start in 1999, has to do with technology. There are many great mobile trends now, including apps that make information simple and easy to access. it's been incredible to see."

This question gives you another opportunity to showcase your industry knowledge. Discuss with the interviewer your thoughts on any recent changes or developments impacting the Insurance industry. Display your passion, insights, and enthusiasm regarding your industry. Keep your tone positive and conversational. If you can further connect with your interviewer, the more memorable a candidate you'll be.

"I would say that the most significant change to the insurance industry since I joined has been technology and the changes that come with it. The industry has become more competitive because of it. With that said, I encourage the competition because it keeps most people in the industry honest and encourages us all to try harder for our clients."

How often do you take work home with you?

"I utilize my work hours very efficiently, so the only time I take my work home is when there is an extremely stringent deadline. I would say that, overall, I take my work home maybe twice per month. It's all about being diligent with your time in the office!"

Employees can shine by going the extra mile and being willing to take their work home or put in extra hours. However, it can send a very different message if it doesn't seem necessary. When a person's working and personal lives aren't well balanced, the stress of one can directly affect the other. That can also cast a shadow on one's time management skills. The goal of your response is to present yourself as a desirable asset with strong time management skills, emotional maturity, and a strong work/life balance.

"I will take my work home when I feel that a deadline may be close. I would much rather work overtime hours than let a client down."

"I rarely take work home with me, as my position is not conducive to doing so. I am always available for my customers, but there's no real opportunity for after work projects in my current role."

Do you feel performance should be rewarded over experience?

"I feel that employees should be paid and rewarded based on their performance. A new employee would be greatly motivated by being rewarded for performance, and it encourages healthy competition with tenured employees."

Think about how you would rate your skills versus your years of experience. This question tests your experience level by allowing you to explore this nuance with them. Your answer will demonstrate your experience, confidence, and leadership potential.

"I feel performance and experience should be equally rewarded and weighted."

"Not initially no, but it is assumed that greater experience will translate into better performance. I would say that if it is earned internally, the experience should be rewarded. However, if someone's performance is superior, then they should be compensated accordingly."

"Yes, in the fact that years of experience do not mean you are performing your duties at the highest quality. Your performance in itself does."

In your most recent position, what was the size of your client portfolio? Was that manageable for you?

"With my current company, I have a portfolio of $55M, which I grew from $15M when I first started. I am comfortable with this volume but can certainly handle more if required. May I ask what the average Insurance agent's book of business looks like with Liberty Mutual?"

If you are interviewing for an account manager or sales-related role with Liberty Mutual, research the expectations of this role and the size of the portfolio you will manage. Disclose the size of your current or most recent insurance portfolio. Assure the interviewer that you can handle the volume required of the position.

"My most recent portfolio was smaller than I would have liked, which is why I am seeking a new opportunity. I would prefer an active portfolio in the $25-30 million range."

"Its actually mostly transactional day to day. My employer moves us between at least 3 different locations, so it's difficult to build a client base. I do have about 10 very loyal customers, but I would love more so that I could better understand my customers and their needs."

"At one point I had 200 open claims from Hurricane Irma. They were all at different places in the claim process. Many were new, just opened. Some were already inspected and waiting for a settlement, some in Appraisal or Mediation, so yes I was able to manage the workload by being organized and keeping consistent with follow-up and updates."

Have you ever worked in a cross-functional environment?

"I am regularly exposed to cross-functional teamwork in my current position. I believe that when expectations are communicated clearly from the beginning, a cross-functional team project can be very successful. I go into these projects with an understanding that everyone has strengths and limitations based on their expertise and job function."

Working on projects with teams from another department isn't uncommon in larger companies. This question aims to elicit a response that will be as telling as the words you choose. It aims to reveal the depth of your work experience and comfort level. Your ability to work with cross-functional teams will prove beneficial and can tip the scales toward a second interview. Liberty Mutual is, after all, a large national organization. Discuss any challenges you've faced in a cross-functional setting, and relay how you overcame them. It's okay to show pride in your work, as long as you remain humble and showcase your expertise and what you learned from the experience. If you don't have much experience in this regard, do your research, and talk up your knowledge while communicating how you look forward to the opportunity to accomplish such a career milestone.

"I have worked in a cross-functional setting for many years, primarily with the HR and Accounting departments. Clear communication is key when collaborating with different teams. Clarity in expectations is of huge importance."

"I have, at both of my most recent employers. I worked with marketing to construct social media and email campaigns for employers' hiring initiatives. I also worked with the researchers to understand the data analysis on specific event marketing in order to formulate a functional proposal for process improvement."

When have you had to think quickly in response to sudden change?

"I can think quickly on the job and respond well to sudden change. Last week I was asked to tweak a presentation with just 30 minutes' notice. The changes were significant, but luckily, I work well under pressure. The presentation went well, and our clients were happy."

Sudden changes will occur in the workplace from time to time. Describe how you take advantage of your time management by always planning for unforeseen circumstances. Assure the interviewer that you respond professionally to sudden changes in the workplace. Provide examples of your problem-solving skills in action. Exude leadership. A leader will handle any situation through to its solution before alerting their higher-ups. You can use examples where you informed your higher-ups. Keep the order of events clear and linear when sharing your example. This should give them positive insight into your work style and how you deal with stressful situations.

"The insurance industry can be quite volatile, so I would suggest that I think quickly in response to change, multiple times per day. When I need to pivot quickly, I do so in a safe and calculated way that can benefit all parties."

"My current work environment is constantly subject to change. Goals are adjusted frequently, as well as promotions and best practices, so you have to remain flexible while maintaining focus on the final goal."

What leadership qualities do you possess?

"I feel that I am good at motivating a team. Last year, I motivated my sales team every day, and we ended up being the top sales team in the company for the year!"

Think about your ability to manage your time and your projects, collaborate with others, manage others in a group setting, communicate effectively, and nurture positive interactions with teammates. These are the skills you should mention when asked about your leadership skills.

Some great qualities of a leader are:- Being someone who people naturally want to follow - Exceptional interpersonal skills - Strong relationship-building skills - Taking ownership for the team's errors and mistakes - Excelling at motivating others - Providing kudos to your team - Knowing how to select and hire the right people to join the team - Having a vision for the future

"I believe leading by example with confidence is the best way. I am very attentive and driven. I'm outspoken, but not overblown, there has to be a balance there. I'm also energetic and extremely hardworking. In any previous leadership sales role, I have really set the tone by outperforming and proving what is asked or required can be done in less time. We currently have internal team competitions in which I lead 90 percent of the way and 3 out of 4 of the last we have won."

"I have had great feedback from people I have managed and mentored. I always take time to ensure my team is confident in the tasks they are assigned and take time to train and guide them so we are successful as a whole."

Tell me about a time you asked for feedback from a supervisor.

"When I learn something new, I always seek feedback. I've always been wary of presumption, which can often lead to rework. I find rework discouraging, and I pride myself on being proactive in my work and having a positive outlook. I try to strike a balance. I don't just limit external input to one person, either. Everyone has something different to offer, and the more resources I can tap into, the better my work will be."

They're looking for insights on how proactive your approach is to your professional development. They're trying to determine if you seek feedback or wait for others to come to you. Performing the basics of your job while hoping no news equates to good news demonstrates a lack of leadership potential.

Liberty Mutual Interview Questions

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1. Do you consider yourself a creative thinker in the workplace, or do you prefer to follow a predetermined set of rules?
2. When it comes to Insurance, would you rather work face-to-face with clients or in the background in a research and analysis based role?
3. Tell me about a time you couldn’t meet a deadline. How did you handle it?
4. Tell us about a time you had to work with a difficult person.
5. What is your greatest strength and your greatest weakness?
6. When have you shown great integrity at work?
7. Do you think honesty is always the best policy?
8. What causes you to feel dissatisfied on the job?
9. How do you like to be recognized for your accomplishments?
10. How would you describe your relationship with your customers or clients?
11. What type of work environment allows you to be the most productive?
12. At Liberty Mutual, we prefer to hire individuals with longevity in mind. Where do you see your career five years from now?
13. Tell me about an error or mistake you made because of a breakdown in communication from you or one of your team members.
14. How would you describe liability to someone?
15. How do you define empathy?
16. How do you respond to feedback?
17. Insurance contracts can be detailed and lengthy. How do you help your clients understand their Insurance contract?
18. Rate your communication skills from 1 to 10 with proper examples backing your given rating.
19. Tell me about your post-secondary experience and how it prepared you for a career with Liberty Mutual.
20. What do you know about the culture at Liberty Mutual?
21. Have you obtained any Insurance-related certifications or licenses?
22. The Insurance industry frequently boasts of new trends and developments. How do you stay on top of these changes?
23. At Liberty Mutual, many of our positions require a Bachelors or Masters Degree. Have you considered furthering your education in order to advance your career?
24. What are your salary expectations?
25. Do you prefer to work with clients on their business/commercial insurance needs or health/life insurance needs? Why?
26. How do you feel globalization has affected the Insurance industry?
27. Describe your experience working with members of underrepresented communities.
28. Since beginning your career in Insurance, what do you feel has been the most significant industry change?
29. How often do you take work home with you?
30. Do you feel performance should be rewarded over experience?
31. In your most recent position, what was the size of your client portfolio? Was that manageable for you?
32. Have you ever worked in a cross-functional environment?
33. When have you had to think quickly in response to sudden change?
34. What leadership qualities do you possess?
35. Tell me about a time you asked for feedback from a supervisor.

Liberty Mutual Interview Questions

1. Do you consider yourself a creative thinker in the workplace, or do you prefer to follow a predetermined set of rules?

2. When it comes to Insurance, would you rather work face-to-face with clients or in the background in a research and analysis based role?

3. Tell me about a time you couldn’t meet a deadline. How did you handle it?

4. Tell us about a time you had to work with a difficult person.

5. What is your greatest strength and your greatest weakness?

6. When have you shown great integrity at work?

7. Do you think honesty is always the best policy?

8. What causes you to feel dissatisfied on the job?

9. How do you like to be recognized for your accomplishments?

10. How would you describe your relationship with your customers or clients?

11. What type of work environment allows you to be the most productive?

12. At Liberty Mutual, we prefer to hire individuals with longevity in mind. Where do you see your career five years from now?

13. Tell me about an error or mistake you made because of a breakdown in communication from you or one of your team members.

14. How would you describe liability to someone?

15. How do you define empathy?

16. How do you respond to feedback?

17. Insurance contracts can be detailed and lengthy. How do you help your clients understand their Insurance contract?

18. Rate your communication skills from 1 to 10 with proper examples backing your given rating.

19. Tell me about your post-secondary experience and how it prepared you for a career with Liberty Mutual.

20. What do you know about the culture at Liberty Mutual?

21. Have you obtained any Insurance-related certifications or licenses?

22. The Insurance industry frequently boasts of new trends and developments. How do you stay on top of these changes?

23. At Liberty Mutual, many of our positions require a Bachelors or Masters Degree. Have you considered furthering your education in order to advance your career?

24. What are your salary expectations?

25. Do you prefer to work with clients on their business/commercial insurance needs or health/life insurance needs? Why?

26. How do you feel globalization has affected the Insurance industry?

27. Describe your experience working with members of underrepresented communities.

28. Since beginning your career in Insurance, what do you feel has been the most significant industry change?

29. How often do you take work home with you?

30. Do you feel performance should be rewarded over experience?

31. In your most recent position, what was the size of your client portfolio? Was that manageable for you?

32. Have you ever worked in a cross-functional environment?

33. When have you had to think quickly in response to sudden change?

34. What leadership qualities do you possess?

35. Tell me about a time you asked for feedback from a supervisor.