Lighthouse Insurance Agency

What Lighthouse Insurance Agency does

Lighthouse Insurance Agency is an independent insurance agency headquartered at 540 Gallivan Boulevard in Dorchester, Massachusetts, serving individuals and small businesses in the greater Boston and South Boston market. Founded in the mid-1990s and operating for more than 20 years under local ownership, the agency was acquired by World Insurance Associates LLC on March 1, 2025. The firm does not develop proprietary technology; it operates on standard agency management systems and carrier platforms, generating revenue primarily through commissions on new business and renewals across personal and commercial lines.

The agency's product portfolio spans personal insurance (auto, renters, condo, homeowners, RV, personal umbrella), commercial lines (general liability, small business, artisans/contractors, restaurants/bars, cannabis businesses), and a transportation-focused commercial auto division covering commercial truck, taxi, livery/limo, para-transit, and TNC/rideshare. Lighthouse represents at least seven carriers — Arbella, Progressive, Plymouth Rock, Safety, MAPFRE, Norfolk & Dedham, and Philadelphia Insurance — allowing it to shop coverage and pricing across multiple options. Distribution runs through direct phone outreach (617-464-3777), website quote forms, in-office walk-ins at the Dorchester location, and organic social presence on Facebook, Instagram, and Twitter. Marketing emphasizes local community ties and claims of treating customers as family.

Pricing and economics are commission-based; specific product samples include renters insurance starting around $12-$20 per month and a bundled "Carpartment" auto-plus-renters product priced at roughly $3 per week through Arbella or Progressive. Customer concentration is dispersed across SMB transportation operators, restaurant and bar owners, contractors, cannabis businesses, and individual consumers in the Boston rental and condo market. Leadership is led by Brian Boucher, President. The firm employs 11-50 people and operates from a single Massachusetts office.

Name

Lighthouse Insurance Agency

Legal name

Lighthouse Insurance

Website

https://lighthouseins.net

Company type

Private

Founded year

1996

Operating status

Acquired

Headcount range

11–50 employees

Short description

Boston-based independent insurance agency offering personal, commercial, and specialty transportation insurance (taxi, TNC, livery, commercial truck) to individuals and small businesses across Massachusetts, representing multiple carriers on a commission basis.

Ownership category

akta.pro rank

Headquarters

HQ city

Dorchester

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Commission Revenue: Lighthouse Insurance operates as an independent insurance agency earning commissions from multiple insurance carriers. Commissions are earned on new policy sales and renewals across personal lines (auto, renters, condo, homeowners) and commercial lines (taxi, livery, truck, restaurant, cannabis). As an independent agency, they represent multiple insurance companies allowing them to shop for best coverage and rates for customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Lighthouse Insurance Agency is an independent insurance brokerage that sells personal and commercial insurance policies on behalf of multiple carriers, including auto, renters, condo, homeowners, RV, and personal umbrella coverage for individuals, and general liability, small business, restaurant/bar, cannabis, artisans/contractors, and commercial auto coverage for businesses. The agency is particularly specialized in commercial transportation insurance, providing taxi, livery, limo, para-transit, TNC/rideshare, and commercial truck coverage in the Massachusetts market.

Product overview

Lighthouse Insurance Agency is a Boston-based independent insurance agency offering a comprehensive portfolio of personal and commercial insurance products. Their personal insurance offerings include auto, renters, condo, homeowners, RV, and personal umbrella insurance. Their business insurance products cover liability, small business, artisans/contractors, restaurants/bars, and cannabis businesses. Their commercial auto division specializes in transportation insurance including commercial truck, taxi, livery/limo, para-transit, and TNC/rideshare insurance. The agency operates as an independent broker representing multiple insurance carriers including Progressive, Arbella, Plymouth Rock, Safety, Norfolk & Dedham, Philadelphia Insurance, and MAPFRE. They also offer online self-service capabilities for claims, payments, and certificate requests.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Auto Insurance Auto insurance coverage for personal vehicles including cars, motorcycles, scooters, off-road vehicles, recreational vehicles, and motor homes, with various discount options; sold to individual consumers in the Massachusetts market.
• Renters Insurance Insurance coverage for renters protecting personal possessions against fire, theft, vandalism, and water damage, plus liability coverage and additional living expenses; targeting Boston-area renters.
• Condo Insurance Insurance coverage specifically designed for condo owners, protecting personal possessions, providing liability coverage, and covering structural improvements; offered to Boston-area condo owners with multiproduct discounts available through Progressive.
• Homeowners Insurance Insurance coverage for homeowners protecting their property and belongings; offered to Massachusetts homeowners through multiple carrier partners.
• RV Insurance Insurance coverage for recreational vehicles including motor homes; offered to Massachusetts consumers.
• Personal Umbrella Insurance Additional liability coverage providing extra protection beyond standard auto, home, or renters policy limits; offered to Massachusetts individuals and families.
• Business Liability Insurance Business liability insurance protecting against claims for bodily injury or property damage; offered to Massachusetts small businesses.
• Small Business Insurance Comprehensive insurance coverage tailored for small business owners in Massachusetts, bundling common business protection needs.
• Artisans/Contractors Insurance Insurance coverage designed for artisans and contractors; offered to Massachusetts trade and contractor businesses.
• Restaurant & Bar Insurance Comprehensive insurance for restaurants and bars including property, liability, workers compensation, liquor liability, food contamination, and business interruption coverage; offered to Massachusetts food and beverage businesses.
• Cannabis Business Insurance Insurance coverage specifically designed for cannabis businesses including business coverage for cannabis industry operators.
• Commercial Truck Insurance Insurance coverage for commercial trucks and trucking operations in Massachusetts; offered to commercial truck operators.
• Auto Services Insurance Insurance coverage for auto service businesses; offered through the commercial auto division of Lighthouse Insurance Agency.
• Livery and Limo Insurance Insurance coverage for livery and limousine service businesses; offered through the commercial auto division.
• Para-Transit Insurance Insurance coverage for para-transit transportation services; offered through the commercial auto division.
• Taxi Insurance Insurance coverage for taxi companies and drivers; offered through the commercial auto division.
• TNC (Transportation Network Company) Insurance Insurance coverage specifically for rideshare drivers working with Transportation Network Companies like Uber and Lyft, including TNC endorsement for personal auto policies; offered through the commercial auto division.
• Cannabis Cargo Insurance Insurance coverage for cannabis cargo transportation and delivery; offered through the commercial auto division.

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Arbella Insurance GroupcoreChannel Partner/ Reseller/ DistributorLighthouse Insurance represents Arbella Insurance Group as one of their carrier partners. Arbella offers bundled 'Carpartment' insurance combining auto and renters coverage, available from approximately $3/week.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorLighthouse Insurance represents Progressive Insurance as a carrier partner offering personal lines products including auto, renters, and condo insurance with multiproduct discounts.
• Plymouth Rock AssurancecoreChannel Partner/ Reseller/ DistributorLighthouse Insurance represents Plymouth Rock Assurance offering auto insurance products. Plymouth Rock announced TNC (Transportation Network Company) endorsement for personal auto policies to cover rideshare Tier 1 driving.
• Safety InsuranceminorChannel Partner/ Reseller/ DistributorLighthouse Insurance represents Safety Insurance as one of their carrier partners for personal insurance products in Massachusetts.
• MAPFRE InsuranceminorChannel Partner/ Reseller/ DistributorLighthouse Insurance represents MAPFRE Insurance as a carrier partner for personal insurance products.
• Norfolk & DedhamminorChannel Partner/ Reseller/ DistributorLighthouse Insurance represents Norfolk & Dedham mutual insurance company as one of their carrier partners.
• Philadelphia InsuranceminorChannel Partner/ Reseller/ DistributorLighthouse Insurance represents Philadelphia Insurance as a carrier partner offering various insurance products.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• World Insurance Associates: Strategic acquirer of Lighthouse and one of the largest U.S. insurance agency platforms, consolidating independent agencies across personal and commercial lines — directly comparable business model and carrier-brokerage structure.
• Hub International: Large North American insurance brokerage offering personal, commercial, and specialty coverage through a multi-carrier agency model — comparable independent-agency structure and broad product portfolio.
• Insurance Office of America: Privately held national insurance brokerage offering personal, commercial, and specialty coverage through an independent-agency model — comparable structure and customer mix.
• Cross Insurance: New England-based insurance agency and brokerage providing personal, commercial, and benefits coverage — directly comparable regional independent agency with overlapping product set and carrier-broker model.
• The Hilb Group: National insurance brokerage platform that acquires and partners with independent agencies across personal, commercial, and specialty lines — directly comparable agency-consolidation model and product mix.
• Acrisure: Global insurance brokerage that has rapidly consolidated independent agencies and built specialty practices including transportation — comparable platform model with similar M&A-driven growth strategy.
• Brown & Riding Insurance Services: Specialty insurance brokerage focused on niche and complex commercial lines — comparable specialty-broker orientation and wholesale/retail hybrid distribution.
• RPS Insurance Brokerage: Specialty insurance brokerage distributing complex commercial and personal coverages through retail agents — comparable specialty-broker role within the multi-carrier distribution chain.

Broad incumbents

• Burns & Wilcox: Wholesale insurance brokerage and managing general agency with deep specialty practices — comparable specialty insurance expertise though operating at a larger, wholesale scale.

Regional players

• Starkweather & Shepley Insurance: Regional independent insurance agency in Rhode Island/Massachusetts offering personal, commercial, and surety products — closely comparable local independent agency footprint in the same New England market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/lighthouseinsma
• Facebookfacebook.com/lighthouseinsuranceagency
• Instagraminstagram.com/lighthouseinsure
• LinkedInlinkedin.com/company/broadway-agencies-limited

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lighthouse Insurance Agency