Blogs

 According to the dictionary, an accident is “an undesirable or unfortunate happening that occurs unintentionally and usually results in harm, injury, damage, or loss.” Simply put, accidents are unexpected—and, despite the best planning and precautions, they happen more often than you think. Someone is injured in the United States every second. And unfortunately, if injuries need medical care, they can cost thousands of dollars in out-of-pocket expenses. In 2023, that could be $9,100 for an individual and $18,200 for a

 Condos and townhomes are in a unique situation when it comes to insurance. The structure of these buildings is shared by its residents—so the answer to the question of who pays if damage occurs isn’t always cut and dried. Is it the homeowner? The community’s association? Both? LIO Insurance’s President and Chief Operating Officer Seth Hall talks with AVP of Property Claims Brian Burke to clear up the confusion of walls-in vs. bare walls coverage for brokers and property

Insurance providers come in all shapes and sizes. Some spread out their resources to include many different coverages, while others focus on a few business areas.  Whatever their size and area of specialty, it is essential that you work with the right carrier. After all, there are more horror stories about insurance providers gone wrong than there are stories about seamless claims and transactions. Even a quick Google search for “insurance provider bad experience” yields more than 500 million results. 

Go, team, go! Sports have long been an integral part of the school experience across the United States. In fact, recent studies show that 57% of high school students played on at least one school or community sports team in the course of a year. Along with team spirit and hard work, however, many young athletes also experience injuries during practices or games. LIO Insurance’s President and Chief Operating Officer Seth Hall talks with SVP of Products and Amateur Sports