This study describes the combination of unique properties of lignin with TiO2 as an innovative and effective preparation method for high-performance flame-retardant additives that may be utilized as polymer coatings. The use of lignin resulted in numerous advantages including an increased number of functional groups, satisfactory biocompatibility, low toxicity, and high carbon content. The major benefit of lignin is associated with the reduced carbon footprint of the manufactured product. Lignin can be classified as a natural flame-retardant agent owing to the high amount of char formed during combustion. In turn, TiO2 exhibits high chemical stability and low operating costs and is considered a non-toxic and environmentally friendly material. During the experiments, commercial TiO2 in anatase crystallographic form, TiO2 synthesized from titanyl sulfate hydrate, and kraft lignin as well as organic–inorganic hybrid materials composed of these materials were evaluated as functional additives in epoxy-resin-based polymer coatings (Epidian 601) and their properties were investigated in detail. The cone colorimetry test confirmed that the obtained hybrids are effective flame-retardant additives for polymer coatings, with a notable fire hazard reduction observed for samples containing a synergistic system of titanium oxide and lignin. The coating with lignin was the most effective in fire suppression processes. The conducted thermal and mechanical investigations confirmed good performance properties of the coatings indicating thermal resistance up to 360 °C and Shore D hardness in a range of 80.36–86.28°Sh, accordingly. Optical profilometry investigations show that the lignin/TiO2 hybrids exhibit a stable topological surface shape as well as good dispersion and uniformity in the polymer matrix. All the conducted tests allowed confirmation that the presence of functional additives in polymer coatings in the form of lignin and TiO2 can be a promising alternative to non-biodegradable synthetic materials which improve flame-retardant properties.