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For Policyholders

Simply stated, our company was founded on the belief and mission that you, the policyholder, are at the center of everything we do at LIO Insurance. Our new age technology simplifies the insurance experience, and, as a policyholder, you can expect:

  • Instant policy issuance
  • Real people to answer your call
  • Virtual claims handling
  • Flexible payment options, (Credit Card, ACH, Apple Pay and Google Pay)
  • 48 hour endorsement turnaround

Our comprehensive policy packages are designed specifically for condominium and homeowners’ associations with options for superior and premier coverage.


  • Tailored policies based on associations by-laws (all-in, single entity, bare walls)
  • Comprehensive property coverages including agreed value, guaranteed and extended replacement cost options
  • Premier property enhancement including swimming pools, seasonal structures, and fences
  • Increased limits for ordinance or law demolition costs and increased costs of construction

General Liability

  • Limits to include $1M per occurrence/$2M aggregate
  • Insured status for property managers
  • Board members and officers to be included as additional insureds
  • Additional insured coverage for off-site board meeting venues
  • Ability to include employee benefits liability


  • Social engineering fraud
  • Employee theft
  • Forgery or alterations
  • Theft of money and securities


  • $1M hired and non-owned auto coverage
  • Garagekeepers legal liability