LIO is a specialty commercial carrier, offering a wide variety of commercial insurance solutions via an all digital experience to specialty businesses across the US.
A simple and intuitive application process that allows for straight-through processing on risks within appetite.
Fast applications
With over 300 eligible business classes and growing, LIO has a broad, but specialized appetite.
Broad but specialized
Agent and client focused
Trained specialists to handle your agency’s questions, and a simple, online claims process with live intake support.
Key value propositions
Products offered: Commercial Package, General Liability, Professional Liability, Commercial Property, Special Events, Specialty Commercial
Amateur Sports Insurance
- Comprehensive General Liability with Abuse Molestation Coverage
- Participant legal liability included
- Additional insured coverage for all your venues
Community Association Insurance
- Property managers covered and comprehensive property coverages
- Premier property enhancement to cover social engineering fraud, employee theft, and forgery or alteration
- Ability to include hired and non-owned auto and garage keepers legal liability
Professional liability insurance
- Blanket Additional Insured when required by contract
- Defense cost outside the limit
- Full priors acts available for eligible professions
- Minimum premiums as low as $500
Nonprofit Management Liability
- Wage & Hour coverage available
- True Worldwide coverage
- Broad definition to cover violent acts
- Defense costs don’t reduce the limits of liability
Nonprofit and Social Service Organizations
- Option to include Professional Liability of up to $2M/$4M
- Separate limit for Abuse and Molestation of up to $1M
- Crime Coverage included with Social Engineering Fraud sub-limit
- $1M Hired/Non-Owned Auto Coverage
Special Events
- Broad Eligibility including festivals, conferences, parades, concerts, and more
- Host Liquor included
- Automatic Waiver of Subrogation; No deductible
Underwriting
Coverage and deductibles vary by product and state.
Coverages and Deductibles
State availability
Appointment process
~8 days
Appointment requested
Files review and submission
Appointment review
~5 days
~2 days
Appointment email
~1 days
More info
Claims contact:
Phone: 877-546-7155
Email: newclaimreport@lioinsurance.com
(new claims)
Email: claims@lioinsurance.com
(existing claims)
Phone- 877-546-7155
Agency/Client Support:
Financial Strength Rating
MGA representing carriers with A- or better AMBest ratings.
Package Lines (amateur sports, social service, fitness studio gyms)
West
Chad Koenig
Underwriting Specialist
Email: Chad.Koenig@LioInsurance.com
Mobile: 949.257.6523
Mountain West
Taylor DeSane, AINS
Underwriting Manager
Email: taylor.desane@lioinsurance.com
Mobile: 954.775.7448
East
Oskar Näsman, AU, ARM
Underwriter
Email: oskar.nasman@lioinsurance.com
Mobile: 610.209.9485
Nonprofit D&O/EPLI and miscellaneous Professional
West/Mountain West
Christopher Perry, CPCU, RPLU, ARM
Senior Underwriter
Email: christopher.perry@lioinsurance.com
Mobile: 916-541-7201
EastGavin McBrideAVP,
Underwriting
Email: gavin.mcbride@lioinsurance.com
Mobile: 443.465.7551
www.lioinsurance.com
Condo GL/ HOA (PUD/Single family associations)
West and Mountain West
Geoge Maguire
Email: George.Maguire@lioinsurance.com
Mobile: 484-844-3821
East
Michael Candelori
Underwriting Associate
Email: Michael.Candelori@lioinsurance.com
Mobile: +1.703.965.2785
Underwriting: