It's nothing like the delivery man who delivers for Dominoes. Unless you refer to Liberty mutual as the del man and UPS as wk comp ins? You are talking about the way it's supposed to be. For all intents and purpose, UPS is self insured. I don't know the legal aspects of it, but rest assured - Liberty Mutual is not going to Push UPS around. Liberty Mutual will advise and guide, but UPS will dictate. I've seen it more than a few times. This is the reality of the relationship between UPS and Liberty Mutual. You get deep and stuck in the mucky world of workmans comp injury with UPS, and you may get a better glimpse of what really goes on, and who's top dog.