Who Is LIO?
LIO Insurance Company is a specialty insurance carrier focused on community association coverage — the master policies that protect homeowners associations, condominium associations, and similar shared-property communities. LIO pairs in-house underwriting and claims expertise with a modern, digital-first platform, and is rated A- VIII (Excellent) by AM Best. As a newer carrier unburdened by legacy liabilities, it offers a streamlined experience, including bindable quotes in minutes through its online portal. Accident medical plans are among its additional specialty products.
For independent agents, LIO delivers bindable quotes, flexible submission options, and a 24/7 online claims portal, and is accessible through agent platforms such as First Connect. Its emphasis on technology and service is reflected in strong customer-satisfaction scores. Better Choice Insurance Group works with LIO to place coverage for community associations and boards that need reliable, responsive master-policy protection.
What They’re Known For
- Community Associations: Master coverage for HOAs, condo associations, and shared communities.
- A- Rated: Rated A- VIII (Excellent) by AM Best.
- Digital-First: Bindable quotes in minutes and a 24/7 online claims portal.
- Specialty Focus: A niche carrier combining in-house underwriting with modern technology.
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Where We Write LIO Insurance
Better Choice Insurance Group offers LIO coverage to clients across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington