Our mission is to combine our deep insurance expertise with state-of-the-art digital capabilities to provide a truly unique and pleasant insurance experience. Our purpose is to make the process of selecting and purchasing specialized insurance policies for condominium and homeowner associations faster, easier, and more intuitive.

Rated A- by AM Best



  • Tailored policies based on insureds by-laws (all-in, single-entity, and bare walls) to ensure a smoother claims experience
  • Property managers are covered as insureds
  • Comprehensive property coverages including agreed value, guaranteed and extended replacement cost
  • Premier property enhancement to cover social engineering fraud, employee theft and forgery or alteration
  • Liability coverage extended for your off-site board meetings
  • Ability to include hired and non-owned auto and garagekeepers legal liability


  • 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)

At LIO we opted to take a unique approach to building our technology platform – we designed it through the eyes of our customers.

Meet the LIO Insurance Team