LIO Insurance ads

Your clients’ charity fundraisers, corporate holiday parties, and New Year’s Eve celebrations are getting booked now, and many of the venues hosting them will want a certificate before the doors open. LIO’s Special Events coverage is built for short-term events like these, with general liability limits up to $2M available. Host liquor liability is available, and inland marine can cover AV equipment, staging, and tents brought in for the event. And most submissions quote and bind quickly without an underwriter referral. December events are typically quoted about a month out, so now is the time to start bringing them in. Send us your holiday event submissions: 🔗 𝗣𝗿𝗲𝗳𝗲𝗿 𝗲𝗺𝗮𝗶𝗹? 𝗦𝘂𝗯𝗺𝗶𝘁 𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆 𝘁𝗼 𝗼𝘂𝗿 𝘁𝗲𝗮𝗺* – https://lnkd.in/ghmgbKh8 🔗 𝗔𝗹𝗿𝗲𝗮𝗱𝘆 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿𝗲𝗱? 𝗤𝘂𝗼𝘁𝗲 𝗮𝗻𝗱 𝗯𝗶𝗻𝗱 𝗶𝗻 𝗺𝗶𝗻𝘂𝘁𝗲𝘀 – https://lnkd.in/ehwRu2dt * Prefer a structured form? Fill out our Special Events supplemental application, save it as a PDF, and send it our way – https://lnkd.in/eMDrz_Up

October is when nonprofit clients start staffing up. Food drives, coat collections and holiday programs bring in a wave of new volunteers, many of them working with the public for the first time. A bigger roster changes the exposure, which makes this a good month to check in on those accounts. LIO writes Nonprofit & Social Services coverage on an admitted basis, with general liability, property, professional liability, abuse and molestation, and excess for food banks, community centers, Boys & Girls Clubs, foundations, and cultural and arts organizations. In most states, you can add volunteer accident coverage through our Accident Medical line too. Make sure that your nonprofit clients are covered: 🔗 𝗣𝗿𝗲𝗳𝗲𝗿 𝗲𝗺𝗮𝗶𝗹? 𝗦𝘂𝗯𝗺𝗶𝘁 𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆 𝘁𝗼 𝗼𝘂𝗿 𝘁𝗲𝗮𝗺 – https://lnkd.in/ghmgbKh8 🔗 𝗔𝗹𝗿𝗲𝗮𝗱𝘆 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿𝗲𝗱? 𝗤𝘂𝗼𝘁𝗲 𝗮𝗻𝗱 𝗯𝗶𝗻𝗱 𝗶𝗻 𝗺𝗶𝗻𝘂𝘁𝗲𝘀 – https://lnkd.in/ehwRu2dt

For brokers with HOA clients on a January 1 renewal, the quoting window is open, and many of those association boards are finalizing 2027 budgets at the same time. A quote you bring in while the budget is still open gives your client's board a firm number to plan around. We write residential HOAs, townhome associations, PUDs, and master communities on admitted paper, with GL up to $2M/$4M and property, inland marine, volunteer accident, and excess available on the same account. When you're ready, send us your association renewals so you and your clients have some extra time to breathe: 🔗 𝗣𝗿𝗲𝗳𝗲𝗿 𝗲𝗺𝗮𝗶𝗹? 𝗦𝘂𝗯𝗺𝗶𝘁 𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆 𝘁𝗼 𝗼𝘂𝗿 𝘁𝗲𝗮𝗺 – https://lnkd.in/ghmgbKh8 🔗 𝗔𝗹𝗿𝗲𝗮𝗱𝘆 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿𝗲𝗱? 𝗤𝘂𝗼𝘁𝗲 𝗮𝗻𝗱 𝗯𝗶𝗻𝗱 𝗶𝗻 𝗺𝗶𝗻𝘂𝘁𝗲𝘀 – https://lnkd.in/ehwRu2dt

Because venues and clients want a certificate before the contract is signed, event vendors tend to need coverage when the booking happens rather than the event. With fall weddings and corporate events on the calendar, and holiday parties being booked behind them, that moment is now for planners, caterers, and photographers. LIO's Miscellaneous Professional Liability is built for them: E&O as the foundation, with general liability and inland marine for equipment like a photographer's cameras on the same policy, as eligible. Planners, caterers, photographers, and videographers all sit in our lowest hazard class, so a clean submission can quote and bind straight through our portal. Booking season is here for your agency's clients. Work with us your way: 🔗 𝗣𝗿𝗲𝗳𝗲𝗿 𝗲𝗺𝗮𝗶𝗹? 𝗦𝘂𝗯𝗺𝗶𝘁 𝗱𝗶𝗿𝗲𝗰𝘁𝗹𝘆 𝘁𝗼 𝗼𝘂𝗿 𝘁𝗲𝗮𝗺 – https://lnkd.in/ghmgbKh8 🔗 𝗔𝗹𝗿𝗲𝗮𝗱𝘆 𝗿𝗲𝗴𝗶𝘀𝘁𝗲𝗿𝗲𝗱? 𝗤𝘂𝗼𝘁𝗲 𝗮𝗻𝗱 𝗯𝗶𝗻𝗱 𝗶𝗻 𝗺𝗶𝗻𝘂𝘁𝗲𝘀 – https://lnkd.in/ehwRu2dt

LIO is coming to Mississippi and Kentucky in early October, and you don't have to wait to start placing business. We're accepting submissions by email right now, and we're already appointing brokerages and reviewing accounts in both states. Send yours in early and they'll be in motion before we're even live. We're a carrier built for speed, with underwriting expertise across hundreds of classes and a team that answers when you call. Rated A- VIII by AM Best. Get ahead of the launch: 🔗 Have a submission or want to get appointed? Talk to your regional executive – https://lnkd.in/ghmgbKh8

Single family HOA is a class we lean into, including the accounts that are harder to place elsewhere. Buildings back to 1980 are eligible, and new developments are welcome too, including where the developer is still on-site. Here's what the coverage looks like: ▪️ Up to $5M in excess, an edge when you're competing for larger associations ▪️ Crime coverage built in at $250K, so your clients have it without asking ▪️ GL limits up to $2M per occurrence / $4M aggregate ▪️ Board members and officers included as additional insureds ▪️ Auto and employee benefits liability, all quoted together As a broker, getting a submission to us is the easy part. Just email our team* – https://lnkd.in/ghmgbKh8 * Prefer to start with a structured form? Fill out our HOA supplemental application, save it as a PDF, and send it our way – https://lnkd.in/gTkDn5Ks