We are a specialized commercial insurance carrier without legacy burdens, enabling us to leverage cutting-edge technology and tap into the power of data. We are laser-focused on the businesses we know well.

Learn more about the insurance in which we specialize.

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We make insurance simple. Here's how...

  • Understanding of your industry, with designed coverages to address what matters to you
  • Question? Talk to a REAL person when you call us
  • Flexible e-payment options (credit card, ACH, Apple Pay, Google Pay)
  • Policy in minutes, not days
  • Online and simple claims reporting process with live intake support
  • Trained service specialists with a “no handoff approach” to your underwriting, billing, endorsement, and customer service needs

Discover more details on our simplified process.

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We think about simplicity through the lens of our customers and provide information and access without company jargon and complex processes.

For example, "What happens when..."

You need to make a payment?

With LIO, you have choices. You can send a check to our lockbox, and we’ll ensure it gets applied quickly and accurately. You can also use our payment portal, where you can choose from credit cards, ACH, or even Apple Pay. We understand every customer is different; thus, we want to ensure we have the best solution for you and your business.

You need to submit a claim?

We recognize that our job is to be there for you when a claim does arise. To that end, we have several different options available for your convenience. You can call us on our toll-free customer service number at (877) 546-7155, and we’ll walk you through the claims process. We’ll have an easy-to-use online claims submission process that will be available to you 24 hours a day, 7 days a week.

You have a question about your policy?

While we have tried to simplify the buying process and the policy, we understand that questions and concerns are inevitable. We welcome the opportunity to answer any questions you may have. We have built a simple service center with a simple premise—make it easy for you, the customer. You’ll experience a real person without the headache of pushing multiple buttons to find someone who can help.

We'll provide the expertise, guidance, and tools to make things as easy as possible.

Our proven senior team includes experts skilled in multiple dimensions, including underwriting, portfolio management, sales and marketing, technology, claims, reinsurance, and carrier operations. LIO has the insurance expertise you need, spanning multiple products including:

  • Accident Medical Insurance
  • Amateur Sports Insurance
  • Community Association Insurance
  • Errors & Omissions
  • Nonprofit Management Liability
  • Nonprofit and Social Service Organizations
  • Special Events

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