Insurer guide
LIO Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote LIO. This page lists the LIO coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by LIO. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention LIO if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
LIO coverage and states available through our agency
The table shows each LIO coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Non-Profit Liability | Business | AZ, AL, TX, CA, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, WA |
| Special Event Coverage | Business | AZ, AL, TX, CA, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, WA |
| Errors & Omissions | Business | AZ, AL, TX, CA, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, WA |
| Amateur Sports Liability | Business | AZ, AL, TX, CA, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, WA |
| Community Association Insurance | Business | AZ, AL, TX, CA, OH, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, WA |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
How to request a LIO quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the business operates.
- A licensed agent reviews whether LIO is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Thimble, Vacant Express, Hanover, Coterie.
Who LIO is
LIO is a specialty commercial insurer based in West Conshohocken, Pennsylvania. Coverager described it as a niche commercial insurer founded in 2020 and led by John Ehinger. It has two insurers:
- LIO Insurance Company (NAIC 40550), at 300 Conshohocken State Road. Its group is LIO Holding Co., according to Weiss Ratings.
- LIO Specialty Insurance Company, an affiliate founded in 2022. It writes excess and surplus (E&S) business.
One agent appointment site calls LIO an MGA. The carrier description is better supported by our sources.
LIO focuses on niche commercial markets. Those include community associations, events, non-profits and life science businesses. It writes both admitted and E&S business through its two companies.
LIO's AM Best rating
LIO's rating is reported as A- VIII (Excellent) by AM Best. That comes from Insureon's August 27, 2026 release and LIO Specialty's January 2024 release. We didn't see the AM Best release itself, so we can't give its date.
An A- rating is in AM Best's "Excellent" category. The VIII is AM Best's financial size class, a separate measure from the strength rating.
Check the rating for the specific LIO company named on your policy.
Where LIO Insurance Company is licensed
Weiss Ratings lists LIO Insurance Company as licensed in every state except Colorado, Connecticut, Hawaii, Maine, Minnesota, New York, Tennessee and Vermont. Weiss's page has a June 2026 rating date. We couldn't confirm the company's home state on a regulator's page.
According to the First Connect carrier directory, LIO is listed in 41 states plus DC.
LIO Specialty writes E&S business, so it may reach risks where the admitted company isn't licensed or doesn't fit. Ask your agent which company your quote is from.
What LIO covers
- Community associations: condo and HOA property, general liability, crime and auto.
- Amateur sports and special events.
- Non-profit liability.
- E&O and miscellaneous professional liability.
- Health and wellness.
- Life science and products liability for cannabis and nutraceuticals, through LIO Specialty on an E&S basis.
LIO sells through agents on its own quote, bind and issue portal. It's also embedded with distributors, including Insureon and London Underwriters' LU ONE platform.
LIO news, 2024 to 2026
- January 30, 2024: LIO Specialty launched online portals for life science and products liability.
- Undated: partnership with London Underwriters' LU ONE platform, according to a Coverager headline.
- August 27, 2026: Insureon partnership, starting with special events coverage.
These partnerships embed LIO's products with other distributors. LIO Specialty's 2024 portals cover life science and products liability on an E&S basis.
What to check before you buy LIO
- Which LIO company. LIO Insurance Company is admitted where licensed. LIO Specialty writes E&S.
- Your state. Weiss lists eight states where LIO Insurance Company isn't licensed.
- Event dates. For special events, confirm the policy dates and venue requirements match.
- Association needs. For HOAs, check property, crime and D&O needs separately.
- Professional liability. Read how claims-made coverage and retroactive dates work.
Sources for the sections above: Insureon: Insureon partners with LIO (2026); PRNewswire: LIO Specialty launches online portal for life science insurance (2024); Weiss Ratings: LIO Insurance Company (secondary); Coverager: LIO (secondary); First Connect carrier directory: LIO (secondary).
LIO FAQs
Can Blake Insurance Group quote LIO?
Yes. Our agency currently has access to quote LIO for the coverage types and states listed on this page. Access can change, and LIO decides whether to offer a policy.
Which states can you quote LIO in?
Of the 24 states where we are licensed, we can currently quote LIO in AZ, AL, TX, CA, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, WA. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare LIO with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. LIO decides eligibility, pricing and whether to issue a policy.
Trademarks. LIO and other company names are trademarks of their owners. This page is not published or endorsed by LIO.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check LIO and other options available to you.