Terms of Use
Updated January 1, 2026
1. Acceptance of These Terms
Your access to and use of our websites (the “Site”), including but not limited to www.lioinsurance.com or mylioinsurance.com as established by LIO Insurance Company, are subject to these Terms of Use (“Terms”) and all applicable laws and regulations. The Site is provided by LIO Insurance (“LIO Insurance,” “Company,” “we,” “our,” or “us”) to the person accessing or using the Site (“you” or “your”).
By accessing or using the Site, you accept these Terms without limitation or qualification. If you do not agree to these Terms, you must discontinue use of the Site immediately.
Company may modify these Terms at any time by revising them on the Site. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. You should review these Terms periodically.
2. Permitted Use of the Site
The Site and its contents are provided for general informational purposes and to allow you to learn about and/or purchase Company products or services. You may use the Site only for lawful purposes and in accordance with these Terms.
You may not copy, reproduce, distribute, publish, display, perform, modify, transmit, or otherwise exploit any portion of the Site or its content without Company’s prior written consent, except as permitted by law.
3. User Responsibilities
You agree to use the Site lawfully and in compliance with all applicable laws and regulations; provide accurate and truthful information; maintain the confidentiality of any login credentials; and respect the rights and privacy of other users and third parties.
4. Prohibited Activities
You may not engage in activities including, but not limited to: violating laws; submitting false or misleading information; impersonation; harassment or abuse; unauthorized access; data scraping or mining; use of automated systems; or transmitting malicious software or harmful code.
Company reserves the right to investigate violations and take appropriate action, including suspension or termination of access.
5. User-Submitted Content
The Site may allow users to submit content. Company does not review all user-submitted content and is not responsible for it. By submitting content, you represent that you have the right to do so and that it complies with these Terms.
Company may remove or restrict any user-submitted content at its sole discretion.
6. Electronic Communications
By using the Site or communicating with Company electronically, you consent to receive communications electronically, including email, notices posted on the Site, or other electronic means. Such communications satisfy legal writing requirements.
7. SMS / Text Message Communications Consent
By providing your mobile phone number, you expressly consent to receive SMS or MMS messages from LIO Insurance for insurance-related purposes, including quotes, policy information, billing, customer service, and legally required notices.
Message frequency may vary. Message and data rates may apply. Consent is not a condition of purchase. You may opt out at any time by replying STOP. For assistance, reply HELP or contact service@lioinsurance.com.
8. Privacy and Data Protection
Personal information collected through the Site is handled in accordance with applicable privacy laws. Users may have rights to access, correct, or delete personal information as permitted by law.
9. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM USE OF THE SITE.
11. Indemnification
You agree to indemnify and hold harmless Company from claims arising from your use of the Site or violation of these Terms.
12. Third-Party Links
The Site may contain links to third-party websites. Company is not responsible for third-party content or practices.
13. Intellectual Property
All Site content is owned by LIO Insurance or its licensors and protected by intellectual property laws. No license is granted except as expressly stated.
14. Copyright Infringement
If you believe your copyrighted work has been infringed, contact
service@lioinsurance.com
or 877-546-7155.
15. Export Control
Materials may be subject to U.S. export laws. You agree to comply with all applicable export restrictions.
16. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of Delaware. Exclusive jurisdiction lies in courts located in Wilmington, Delaware.
17. Assignment
Company may assign these Terms at any time without notice.
18. Contact Information
LIO Insurance
Email: service@lioinsurance.com
Phone: 877-546-7155