LIO is a specialty insurance carrier that combines years of in-house underwriting and claims expertise with a commitment to technological innovation and exceptional customer service. Rated A- VIII (Excellent) by AM Best and unburdened by legacy liabilities, LIO delivers a streamlined experience, including bindable quotes in minutes via its next-generation digital portal, flexible submission options, a 24/7 online claims portal, and an industry-leading NPS score of 78.4.