Retail

Accident Medical Insurance covers medical bills—including fees from hospital stays, emergency treatment, medical exams, and other associated expenses—resulting from an injury on the premises. Without the proper protection, medical bills can quickly add up and become a significant expense

Although the sports and recreation industry provides people with fun experiences that put smiles on their faces, it also comes with plenty of risks. Given the physical nature of the industry, the chances of a customer suffering a bodily injury are high. Sports and Recreation insurance protects businesses from the costs of a lawsuit because of a bodily injury.

Our state-of-the-art, digital portal allows agents to easily locate, purchase, and manage specialized condominium and homeowner associations insurance policies. Weeks-long waiting periods and stacks of paperwork are officially obsolete. In just minutes, agents can generate a bindable policy.

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. The world is unpredictable—and so are your clients’ needs. Stay protected with flexible coverage, quickly bindable and backed by expert underwriters.

Specifically designed for Nonprofit organizations, LIO’s Nonprofit Management Liability includes Directors & Officers, Employment Practices Liability, Fiduciary and Workplace Violence coverage.

Nonprofit and Social Services organizations represent the best of America. They provide a way for people to work together for the common good, transforming shared beliefs and hopes into action. For many social, educational, religious, literary, and charitable causes, we’ve designed a customizable and comprehensive insurance solution so they can focus on pursuing their missions.

Special Event insurance offers easy and affordable, short-term coverage for a wide variety of events. Whether it’s a business conference, festival, concert, or parade, our policy is designed so you can live in the moment and enjoy the day!