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Life Science coverage protects nutraceutical and cannabis organizations from a unique set of risks. It’s a complex field, but our highly experienced and specialized underwriting team has your brokerage covered. Protection may include product liability, premises and operations, stop gap, employee benefits liability, HNOA, security breach expense reimbursement, and limited product withdrawal expenses.

When products hit the market, the risks don’t stop at the point of sale. From design flaws and manufacturing defects to improper labeling and malfunctions, the potential damages to a company’s market positioning and bottom line can be insurmountable. Our tailored Products Liability solutions help protect manufacturers, importers, and distributors from costly claims and complex litigation, backed by LIO Specialty insight that’s crafted for bold risks.

From groundbreak to grand opening, construction projects carry risks that standard markets often can’t handle. LIO Specialty’s Construction coverage is built to withstand complexity—protecting everything from premises and ongoing-operations, to products and competed-operations. When timelines are tight and exposures are high, we leverage our decades of experience to engineer coverage that safeguards even the trickiest builds.

Whether your insured focuses on commercial LRO, habitational, or vacant land and buildings, LIO Specialty can craft a customized solution for almost any Real Estate situation. From vacant buildings to high-hazard operations, we design flexible liability coverage for businesses with unique exposures. While competitive terms can vary by jurisdiction, our experienced team of underwriters helps navigate even the most complex situations.

Excess coverage should never feel like an afterthought. LIO Specialty’s Supported Excess products are designed to sit seamlessly on top of primary liability, delivering flexible protection for complex and high-exposure accounts. With our expert underwriting team, brokers gain access to tailored solutions, competitive terms, and the confidence to cover risks that demand an extra layer of security.