Lane & Associates

What Lane & Associates does

Lane & Associates, Inc. is an independent surplus lines insurance broker and managing general agent (MGA) headquartered in Metairie, Louisiana. Founded in 1985, the firm underwrites and places specialty commercial and personal insurance — including artisan contractor general liability, commercial property, professional liability, oil & gas, garage liability, special events, inland marine, and middle market risks — on behalf of independent retail insurance agents operating across Louisiana, Texas, and Mississippi. Access to multiple A-rated surplus lines carriers (Core Specialty, Lloyd's, Munich Re/Great Lakes SE, Nationwide, Markel, Atlantic Casualty, Penn America, Northfield, ICAT) allows the firm to deliver competitive options for hard-to-place commercial risks.

The company's distribution and operations are built around two proprietary technology assets. LARS (Lane & Associates Rating System) is an online rating portal enabling retail agents to quote and bind artisan contractor policies in under 20 minutes, with integrated premium financing (15% down, 10 installments). ALIS DX, implemented via Dyad since 2016, is the cloud-based agency management platform that consolidated legacy quoting, policy issuance, accounting, carrier integration, and document management into a unified system. A 2023 upgrade to LARS 2.0 extended the portal's efficiency and accuracy. Per a vendor-published outcome, this platform reportedly drove 190% premium growth alongside a 6× increase in net income without headcount or infrastructure expansion.

Lane & Associates is a privately held, family-owned business. Scott Landry has served as President since January 2014 and has been with the firm since 1996; multiple family members work in underwriting and finance roles. The 14-person team reports 175+ years of combined experience. Revenue is generated through wholesale brokerage commissions, carrier overrides, and managing general agency administrative fees. Pricing is per-policy: artisan contractor minimum premium starts at $350, special events at $90, comprehensive personal liability at $100k-$1m limits, commercial property up to $2.5M, and middle market risks from $4,000. The firm is a member of USA Alliance (a network of 24 family-owned wholesalers) and maintains leadership roles in the Louisiana Surplus Lines Association.

Name

Lane & Associates

Legal name

Lane & Associates, Inc.

Website

https://gotolane.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

Lane & Associates is a family-owned independent surplus lines insurance broker and MGA in Metairie, Louisiana, providing specialty commercial and personal coverage to retail insurance agents across Louisiana, Texas, and Mississippi via its proprietary LARS online rating portal and ALIS DX platform.

Ownership category

akta.pro rank

Product category

Wholesale Insurance Brokerage (Surplus Lines)

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industries

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD), Contractors BOP / Artisan Package (FSAJAFAD), Garage Liability & Dealers (Auto Dealers, Repair Shops) (FSAJABAF)

Keywords

• Surplus lines insurance
• Wholesale insurance brokerage
• Managing general agent
• Specialty commercial insurance
• Artisan contractor insurance

Headquarters

HQ city

Metairie

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Wholesale Insurance Brokerage: As an independent surplus lines broker and managing general agent, Lane & Associates earns commissions by placing insurance policies for retail agents through their carrier markets. They earn overrides and administrative fees from carriers for business placed.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Lane & Associates is an independent wholesale surplus lines broker and managing general agent (MGA) that places specialty and hard-to-place commercial insurance for independent retail agents across Louisiana, Texas, and Mississippi. It offers general liability for artisan contractors (60+ classes), commercial property, professional liability packages, oil & gas, garage liability, special events, middle market risks, inland marine, church coverage, and personal umbrella/CPL through the LARS online rating portal and direct underwriter access. Revenue is earned via commissions and carrier overrides on placements with A-rated markets including Core Specialty, Lloyd's, Munich Re, Nationwide, and Markel.

Product overview

Lane & Associates operates as an independent surplus lines broker and managing general agent (MGA) offering a portfolio of commercial and personal insurance products. Their core technology platform is LARS (Lane & Associates Rating System), an online self-service portal enabling agents to quote and bind various coverage types, particularly artisan contractor general liability. They offer specialized programs for commercial property, general liability, professional liability, special events, oil & gas, garage liability, and middle market risks. The company provides access to multiple A-rated insurance markets and operates without expanding headcount by leveraging cloud-based technology platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• Artisan Contractors General Liability Insurance General liability coverage for artisan and skilled trade contractors including remodelers, carpenters, electricians, painters, and 60+ classes, rated and bound through the LARS online portal with premiums starting at $350 minimum; includes 3 additional insureds and 3 waivers at inception, up to 35% subcontracting costs, 20% minimum earned premium, and integrated premium financing (15% down, 10 installments). Sold exclusively to independent retail insurance agents.
• Commercial Property Insurance Commercial property coverage for restaurants, retail stores, doctor offices, strip malls, and rental properties, with limits up to $2.5 million and Inland Marine coverage included; placed through multiple A-rated markets. Sold exclusively to independent retail insurance agents.
• Commercial General Liability & Excess Liability Commercial general liability and excess liability/umbrella coverage with in-house underwriting authority enabling quick quote and bind capabilities. Sold exclusively to independent retail insurance agents.
• Commercial Packages Packaged commercial coverage combining liability, property, Inland Marine, EPLI and professional insurance needs through multiple A-rated markets. Sold exclusively to independent retail insurance agents.
• Professional Liability Packages Standalone professional or professional packages blending professional liability and general liability into one policy, with additional coverages for hired and non-owned auto, business interruption, and breach of contract. Sold exclusively to independent retail insurance agents.
• Oil & Gas Insurance Coverage for oil & gas contractors and lease operators through A-rated markets, including general liability, property, and Inland Marine. Sold exclusively to independent retail insurance agents.
• Garage Liability Insurance Liability protection for dealers and repair shops covering service risks for automotive repair shops, tow lots, muffler shops, dealerships, and transmission shops. Sold exclusively to independent retail insurance agents.
• Special Events Liability Insurance Special event liability insurance covering festivals, concerts, rodeos, and similar events with over 200 class codes; premiums start at $90; coverage from single-day to annual policies; Host Liquor Liability included. Sold exclusively to independent retail insurance agents.
• Middle Market Risks Insurance Niche market coverage for risks between main street binding business and heavy brokerage accounts, focusing on light to medium products-driven manufacturing, distribution, and contractors, with premiums starting at $4,000 and including blanket additional insured, waiver of subrogation, and primary non-contributory endorsements. Sold exclusively to independent retail insurance agents.
• Inland Marine Insurance Property coverage for materials, products or equipment that moves, including Builder's Risk, Scheduled Contractor's Equipment, Motor Truck Cargo, Misc Floaters, Oil and Gas Equipment, and Medical Diagnostic Equipment; premiums starting at $750. Sold exclusively to independent retail insurance agents.
• Church Insurance Coverage Property and liability coverage for churches and places of worship on a monoline or package basis with primary limits up to $3,000,000/$5,000,000, including Clergy E&O, Daycare E&O, and sexual/physical abuse coverage. Sold exclusively to independent retail insurance agents.
• Comprehensive Personal Liability (CPL) Personal liability coverage providing Primary CPL, Excess CPL, and Farmers CPL with limits from $100,000 up to $1,000,000; identity theft coverage up to $25,000 with no deductible; written on a non-admitted basis. Sold exclusively to independent retail insurance agents.
• Personal Umbrella Insurance Personal umbrella products including primary, excess, and target umbrellas designed to protect client assets and future. Sold exclusively to independent retail insurance agents.
• LARS Online Rating Portal (Lane & Associates Rating System) Lane & Associates' proprietary online rating and quoting portal that enables independent retail agents to rate and bind artisan contractor policies in minutes, with quote-to-certificate possible in under 20 minutes. Includes integrated premium financing with 15% down payments and 10 installments. Sold exclusively to independent retail insurance agents.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

14 partnerships are on record, tiered core.

• Core SpecialtycoreTechnology or IntegrationA-rated surplus lines market partner providing capacity for specialty insurance products through Lane & Associates.
• Lloyd'scoreTechnology or IntegrationGlobal insurance market providing A-rated capacity through Lloyd's syndicates for Lane & Associates placements.
• Munich RecoreTechnology or IntegrationOne of the world's largest reinsurers owning primary carriers including Great Lakes SE (GLISE). Executives visited Munich Re headquarters in Munich, Germany.
• NationwidecoreTechnology or IntegrationNational excess and surplus lines carrier. Lane & Associates attends Nationwide E&S Underwriting Conference annually.
• MarkelcoreTechnology or IntegrationGlobal specialty insurer writing General Liability, Packages, Contractors Pollution Liability and Excess Liability in Louisiana and Texas.
• LA MarketscoreTechnology or IntegrationPart of Amtrust Financial providing insurance capacity for Lane & Associates markets.
• Penn AmericacoreTechnology or IntegrationExcess and surplus lines insurance carrier providing market access for specialty risks.
• NorthfieldcoreTechnology or IntegrationExcess and Surplus Lines Insurance Company providing capacity for Lane placements.
• Atlantic CasualtycoreTechnology or IntegrationSurplus lines carrier providing insurance capacity through Lane & Associates.
• ICATcoreTechnology or IntegrationInsurance carrier providing wind and hurricane coverage for coastal Louisiana and Texas properties.
• USA AlliancecoreStrategic or Co-development PartnerUnique association of professional, independent, family-owned wholesale agencies. Lane & Associates joined as one of 24 members providing access to national network, combined resources and premier markets.
• PIA of LouisianacoreStrategic or Co-development PartnerProfessional insurance agents association. Lane & Associates participates in annual conventions and maintains strong partnership with PIA of Louisiana.
• WSIAcoreStrategic or Co-development PartnerWholesale & Specialty Insurance Association. Lane & Associates attends annual marketplace and underwriting summits. Over 4,900 wholesale insurance professionals participate.
• Louisiana Surplus Lines AssociationcoreStrategic or Co-development PartnerLSLA is the state trade association for surplus lines brokers. Lane President Scott Landry serves as 2024-2025 President.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Amwins: National wholesale broker, MGA, and program administrator specializing in specialty commercial insurance including contractor GL, garage, and excess — overlaps Lane & Associates' core product set at greater scale.
• Burns & Wilcox: Independent wholesale broker and MGA placing specialty commercial risks including contractors, habitational, and commercial property — close peer for Lane's specialty commercial and personal lines book.
• RPS (Risk Placement Services): One of the largest U.S. wholesale brokers and MGAs, providing specialty and surplus lines placement across commercial property, GL, contractors, and energy — the most direct national analog to Lane & Associates' wholesale/MGA model.
• Brown & Riding Insurance Services: Specialty wholesale broker serving retail agents with excess & surplus lines placement across commercial property, GL, contractors, and energy — comparable size and product breadth to Lane.
• Crump Insurance Services: National wholesale distribution platform for commercial and personal lines specialty risks, including artisan contractors and surplus lines property — directly comparable broker-of-brokers model.
• CRC Insurance Services: Wholesale specialty broker with strong artisan contractor, commercial package, and energy programs through proprietary online platforms — comparable distribution model to Lane's LARS portal.
• M.J. Hall & Company: Independent wholesale insurance broker focused on surplus lines commercial placement for retail agents, including artisan contractor and middle-market programs — similar independent wholesale positioning.

Emerging players

• Accelerant: Capital-and-technology-enabled platform for MGAs and wholesale distributors; while a newer model, it competes for MGA underwriting capacity and producer-friendly digital workflows that overlap with Lane's LARS portal.

Broad incumbents

• Markel: Global specialty insurer and a key Lane & Associates carrier partner; also writes contractor GL, packages, and excess directly, making it both a partner and a competitor for the same retail agent relationships.
• Hiscox: Specialty insurer offering small business, professional liability, and personal lines coverage with online-bind capability, overlapping Lane's artisan contractor, professional liability, and CPL products at a national scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

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• Facebookfacebook.com/laneassoc

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

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 Lane & Associates