Retail

Accidents happen. Without the proper protection, medical bills can quickly add up and become a significant expense. LIO’s Accident Medical Insurance covers out-of-pocket fees from hospital stays, emergency treatment, medical exams, and other associated expenses and situations resulting from an injury on the premises. Our agents can generate bindable protection that’s simple, affordable, and built around any individual or group’s needs.

Sports and recreation bring people together for fitness, fun, and community—but they also bring risk. Injuries, property damage, equipment accidents, or even negligence claims can put your business on the line. Sports & Recreation insurance protects you from the cost of lawsuits and unexpected claims, so you can focus on keeping the game going.

From shared walls to shared neighborhoods, community living comes with unique risks. Whether it’s a single-family HOA or a condo association, boards face exposure to property damage, liability, theft, accidents, and even tough decisions that don’t go as planned. Our coverage is tailored to your bylaws and budget—making risk management one less thing to debate at the next meeting.

Miscellaneous Professional Liability protects businesses from costly mistakes that cause financial harm to clients—whether it’s an overlooked detail, a misstatement, or a misunderstanding. But risks don’t stop there. That’s why our policies often go further, with options for General Liability and Inland Marine, helping safeguard against accidents, property damage, and equipment losses. The world is unpredictable—and so are your clients’ needs. Stay protected with flexible coverage, quickly bindable and backed by expert underwriters.

Doing good should never come with legal risk—but even the armor of a positive mission cannot shield a nonprofit organization from costly litigation. That’s why LIO’s Nonprofit Management Liability coverage is built to protect boards, staff, and operations from lawsuits tied to mismanagement, employment issues, or financial oversight. Whether grant-funded or grassroots, safeguarding leadership is a crucial step in staying focused on impact.

A nonprofit’s mission is to serve the needs of others—our mission is to protect the organization. Our specialized insurance solutions are tailormade for Nonprofits and Social Service Organizations, covering everything from liability and property to board decisions and client care. Whether the work involves housing families, counseling youth, or feeding communities, expert guidance ensures protection stays in place so the focus can remain on those being served.

One unpredictable moment can turn a wedding, festival, fundraiser, or corporate gathering into a costly, complex situation. Special Events insurance helps protect organizers, vendors, and venues from liability, property damage and more. Easy to quote, quick to bind, and custom fit to the details of any event, this coverage keeps the focus on the fun, not the fallout.