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LIO Insurance, Simplifying Specialty Insurance for Businesses and Nonprofits

LIO is a specialty insurance company redefining the commercial property and casualty insurance marketplace with cutting-edge technology and a customer-first approach. With LIO’s simplified insurance process, you can quote, bind, and issue policies in just minutes.

Key Offerings

Commercial Property Coverage

  • Over $250,000 in crime coverage limits

  • $150,000 in business income coverage

  • $25,000 coverage for fine arts

  • $15,000 coverage for earthquake sprinkler leakage

  • No property coverage available in Florida

  • $10M TIV per location (ex-Florida)

General Liability

  • Limits to $1,000,000 each occurrence / $3,000,000 aggregate

  • Defense outside the limits of liability

  • Prime general liability enhancement

Inland Marine

  • Open perils coverage, including theft of property

  • Deductible as low as $500

Excess Coverage

  • $2,000,000 in excess limit available

  • Coverage for general liability and professional liability

Nonprofit Management Liability

  • Tailored coverage including Directors & Officers, Employment Practices, and Fiduciary Liability.

  • Up to $2M limits available (separate or shared)

Abuse & Molestation Coverage

  • Up to $1,000,000 each occurrence

  • Available as a separate coverage limit or part of the general liability

Miscellaneous Professional Liability

  • No deductible options

  • Defense cost outside the limit

Additional Services

Hired and Non-Owned Auto, Accident Medical, and more.

Human Services Professional Liability

  • Available as a separate coverage limit or part of the general liability

  • Up to $2,00,000/$4,000,000

Carrier: Backed by the Maguire Family  |  AM Best A-(Excellent) Rating

Availability

In addition, with LIO you’ll have:

  • The ability to receive quotes in minutes

  • A flexible submission intake process

  • A team that has obtained an industry-leading NPS score of 78.4

  • A simple and intuitive 24/7 online claims portal with a response time of under 24 hours.

Target Classes

LIO Insurance offers tailored solutions for a wide variety of clients and industries:
Accidental Medical

Sports leagues, camps, clinics, and nonprofit organizations.

Sports Insurance

Clubs, associations, tournaments, and fitness facilities.

Health & Wellness

Aerobics and fitness studios, martial arts instructors, and personal coaches.

Miscellaneous Professional Liability

Advertising agencies, consultants, and bookkeepers.

Nonprofit & Social Services

Counseling offices, foundations, and community organizations.

Special Events

Farmers markets, sporting events, weddings, and festivals.

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