114480
A study by Liberty Mutual Insurance Company showed that the cost to employers is about six times the direct insured cost , since uninsured costs of consequential damages include temporary replacement workers , hiring costs for replacements , training costs , managers ' time in reports or court , adverse morale on other workers , and effect on customer and public relations .
 Liberty Mutual Insurance Company
Please list all entity words in the text that fit the category. Output format is "word1, word2". 
Option: media, plant, vehicle, astronomical object, time, disease, animal, location, person, organization, mythical figure, food, biology, geographical phenomenon, instrument, event 
Text: {0} 
Answer:
 Liberty Mutual Insurance Company