We make insurance simple.

Get bindable insurance quotes in minutes. And that’s just the start.


Home of fast and easy Community Association and Accident Medical insurance quotes and policies.

The insurance process is complicated. Not anymore.

At LIO, we replaced legacy burdens with cutting-edge technology and powerful data to create an innovative, fast, and intuitive insurance buying experience. Agents generate a bindable policy in minutes, not weeks. With no paperwork!


We get it: insurance is too complicated and slow. We've modernized it by leveraging decades of expertise to make the insurance process faster, and simpler. Isn't that how it should be?

Key Benefits:

  • Rated A- by AM Best
  • Straight-through processing with immediate policy issuance
  • Tailored coverage to meet your industry needs:
    • Community Association Insurance
    • Accident Medical Insurance
  • You call us, we’ll answer
  • Online claim submission process
  • Flexible e-payment options

Easy as 1, 2, 3

  1. Tell us about the insured’s needs
  2. Get a fast bindable quote
  3. Bind the policy

Plus get superior service and claims handling with a Net Promoter Score over 90! (Industry average is just 37.)