Insureon, a digital agency for small business insurance and part of HUB International, has partnered with LIO Insurance to expand access to specialty cover for small businesses with harder-to-place risks.
The partnership gives Insureon access to LIO’s specialty commercial property and casualty underwriting capabilities. The first phase introduces a digital pathway for special event coverage, with the companies planning to expand into additional specialty lines.
LIO combines specialist underwriting expertise with a digital platform designed to simplify the commercial insurance process. Its submissions use AI-assisted workflows that can produce bindable quotes within minutes, while human underwriters remain responsible for risk assessment and final decisions.
The integration will allow Insureon’s licensed producers to access LIO’s specialty products when supporting businesses with exposures that may not fit standard insurance policies.
LIO’s offering spans hundreds of specialty classes, including special events, amateur sports, health and wellness providers, nonprofit and social service organisations, community associations and professional liability. Insureon provides an online platform through which small and medium-sized businesses can compare quotes, purchase policies and manage their cover. The company is licensed across all 50 US states and serves businesses across a range of industries.
Insureon president Jeff Kroeger said, “Insureon is focused on making it easier for small business owners to find and purchase the coverage they need, including businesses with more specialized risks. LIO’s specialty underwriting expertise and digital capabilities align well with the experience we want to provide our customers. This partnership gives us another strong solution for helping small businesses find the right coverage.”
LIO Insurance president and chief revenue officer Tim Maguire also commented, “We built LIO on the belief that technology should amplify expert underwriting judgment, not replace it. Insureon shares our focus on making commercial insurance simpler and more accessible. This partnership extends the reach of our specialty expertise and technology to more small businesses.”
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