Data Driven Decisions. Disciplined Outcomes.
Risk Control and Claims
Risk Control:
Lighthouse Risk employs a data-validated risk control framework to ensure that each property meets the program’s underwriting and quality standards. Every submission is verified using third-party data sources to confirm construction attributes, occupancy, and physical condition.
Claims:
Lighthouse’s claims strategy is built to reflect our underwriting philosophy—precision, control, and transparency.
Experienced Leadership Team
About Us
At our core, we believe that service, discipline, and partnership define who we are and how we operate. As a middle-market commercial property MGA, we see a clear opportunity to bring meaningful value to our clients through a combination of strong underwriting fundamentals, client-centered service, and collaborative problem-solving.
Who We Are
Lighthouse Risk represents the next evolution of E&S property underwriting—an MGA built to unite disciplined underwriting with data-enriched insights. We bridge the gap between institutional real estate intelligence and efficient, technology-enabled underwriting.
At Lighthouse Risk MGA, we’re anchored by a culture that puts people first. As one unified team, we dedicate ourselves to collaboration, integrity, hard work, and accountability—values that shape how we serve our partners and support each other.
Our Foundation:
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Client centric focus: We focus first on understanding and serving the needs of our clients and partners, ensuring our actions consistently reflect their goals. Through full transparency—clear underwriting rationale, open communication, and data-driven insights—we create confidence, alignment, and long-term partnership value.
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Underwriting-First Culture: Every decision is anchored in disciplined risk assessment, technical adequacy, and a commitment to consistent, high-quality underwriting execution.
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Sustainable growth tied to long term capacity alignment: We emphasize profitability and portfolio resilience over volume, supporting stable results across market cycles. Our capacity relationships are built around shared objectives, disciplined growth, and dependable returns for all stakeholders.
Specialized Property Capacity for Institutional Grade Risks
Lighthouse Risk’s E&S property program delivers tailored coverage for professionally managed Class A and B commercial real estate portfolios. Our underwriting approach integrates real estate data, geospatial analytics, and catastrophe modeling to achieve precision in pricing, selection, and aggregation.
Multifamily & Habitational
Office and Lessors’ Risk
Retail Centers & Mixed-Use Portfolios
Hospitality (select)
Build With Purpose
Lighthouse Risk is deeply committed to the growth and engagement of its people. We foster a culture of accountability, transparency, and teamwork—where technical excellence and disciplined execution are celebrated.
As we expand, we’ll seek professionals who share our belief in precision underwriting, analytical rigor, and long-term partnership.