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.

Community Association Insurance is coverage held by homeowners or condominium associations to help hedge against risks and insurance claims. Tailored to meet your community's needs, community association insurance covers property, general liability, crime and auto.

Miscellaneous Professional Liability is a specialized liability policy protecting against business mistakes that cause financial harm to their customers. Companies that perform professional services for others can overlook a critical piece of information, misstate a fact, be misunderstood, forget to do something, and be sued by their clients for a variety of reasons.

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

Nonprofit and Social Service 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!