An innovative culture helps Liberty Mutual to produce unique products and services that meet their customer’s needs… … "Innovative Culture (Liberty Mutual)" will have a long-term positive impact on the this entity, which adds to its value. This qualitative factor will lead to a decrease in costs. This statement will lead to an increase in profits for this entity. "Innovative Culture (Liberty Mutual)" is a difficult qualitative factor to defend, so competing institutions will have an easy time overcoming it.