Imagine an insurance carrier as a digital leader, with the foundation of a data company, a dedication to technical flexibility, an emphasis on digital customer experience, and a best-in-class digital ecosystem. LIO is that insurance carrier - a digital leader. LIO is a specialty insurance carrier with years of in-house underwriting and claims experience. LIO is a privately held company, majority-owned by the Maguire Family. They are well known for their previous success with a multi-billion commercial insurance carrier that specialized in niche products. LIO has been assigned an AM Best A- (Excellent) rating. We are unencumbered by legacy liabilities with the backing of a reinsurance panel where nearly 100% of the participants have earned AM Best ratings of A+.With LIO you'll have:- The ability to receive quotes in minutes- A flexible submission intake process- A team that has obtained an industry-leading NPS score of 78.4- A simple and intuitive 24/7 online claims portal with a response time of under 24 hours.