Simplify the following text for a Grade 13 native English-speaking person.
Original: Liberty Mutual was founded in 1912 as the Massachusetts Employeesâ Insurance Association ( MEIA ) , following passage of a Massachusetts state law requiring employers to protect their employees with workers compensation insurance in 1911 .
Simplified: Liberty Mutual started in 1912 under the name `` Massachusetts Employeesâ Insurance Association '' ( MEIA ) .