About LIO

“Insurance is too complicated and slow.”

It’s what everyone says, including our CEO, Chris Maguire. So, we made it our mission to look at the entire insurance process through the eyes of our customers when building our system.

We’ve modernized insurance by leveraging technology and decades of expertise, keeping you in mind every step of the way. Purchasing specialized insurance is now quicker, simpler, and more intuitive than ever before.


What You Can Expect With LIO Insurance


Accident Medical Insurance
  • Hospital and Intensive care room & board
  • In-patient and Out-patient surgical benefits
  • Emergency room benefits
  • Accidental Death, Dismemberment & Paralysis (AD&D) Benefits, and more
  • And more!
Amateur Sports Insurance
  • Ability to tailor policies based on the needs of your clients
  • Comprehensive General Liability with Abuse Molestation Coverage
  • Sports GL enhancement endorsement
  • Participant legal liability included
  • Additional insured coverage for all your venues
  • And more!
Community Association Insurance
  • Property managers covered and comprehensive property coverages
  • Premier property enhancement to cover social engineering fraud, employee theft, and forgery or alteration
  • Ability to include hired and non-owned auto and garage keepers legal liability
  • And more!
Errors & Omissions
  • Blanket Additional Insured when required by contract
  • Ability to include no deductible
  • Defense cost outside the limit
  • Full priors acts available for eligible professions
  • Minimum premiums as low as $500
Nonprofit Management Liability
  • Defense costs don’t reduce the limits of liability
  • Four insuring agreements including Outside Excess Directorship Coverage
  • Wage & Hour coverage available
  • True Worldwide coverage
  • Broad definition to cover violent acts
  • Automatically extended reporting periods (ERPS) up to 90 days
Nonprofit and Social Service Organizations
  • General Liability Limits up to $2M/$4M
  • Option to include Professional Liability of up to $2M/$4M
  • Separate limit for Abuse and Molestation of up to $1M
  • Crime Coverage included with Social Engineering Fraud sub-limit
  • $1M Hired/Non-Owned Auto Coverage
Special Events
  • No deductible
  • GL Limit Options of up to $2M/$4M
  • Automatic Additional Insured states for premises
  • Broad Eligibility including festivals, conferences, parades, concerts, and more
  • Host Liquor included
  • Automatic Waiver of Subrogation


  • A bindable quote in minutes
  • A simple and intuitive application process that allows for straight-through processing
  • Immediate policy issuance
  • Simple, online claims submission process
  • Industry specialists ready to answer the phone with no automated and confusing phone systems
  • 48-hour endorsement processing
  • Flexible e-payment installment options (credit card, ACH, Apple Pay, Google Pay)

The insurance process was broken. We put it back together at LIO. Quote. Bind. Issue. In Minutes. Simple as that.

Meet the Team Behind LIO Insurance

Is LIO the insurance company you’ve been looking for to cover your clients? Talk to us and find out.