What to know about LIO Specialty.
- LIO Specialty describes an excess and surplus lines offering for wholesale brokers. [1]
- Its published classes include construction, products liability, life sciences and general casualty, with supported excess. [1]
- The life sciences description identifies nutraceutical and cannabis businesses; its general casualty description includes lessors risk, habitational and vacant premises. [1]
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
LIO Insurance Company [2]
Company identified in the website terms
The wholesale page uses the LIO Specialty name for its E&S offering. The website terms do not assign a separate insurer identifier to every specialty product; obtain the precise issuing company from the quotation before treating it as the admitted LIO entity. [1]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
Make the request specific.
Hedge’s preparation guidance for this type of placement:
- For products and life sciences, identify ingredients, labels, contract manufacturers and sales territories.
- For construction, detail trades, project types, subcontracting and completed operations exposures.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; the team can identify what is missing.
Check the details that change the fit.
How do I get a quote with LIO Specialty?
Choose “Get a quote with LIO Specialty” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The source material used for this profile does not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Check the original material.
Product facts were checked against the official material below on November 1, 2026. Market websites may change before this profile is updated.
- LIO Specialty official product information ↗Checked November 1, 2026
- LIO website terms and operating company ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.