What First Light Program Managers does

First Light Program Managers, Inc. is a Florida-based managing general agency and wholesale program manager that builds and distributes specialty insurance products for niche commercial markets. Founded in 2007 and headquartered in Dania Beach, Florida, the company operated two core programs — Trucking & Transportation Insurance and Ocean and Recreational Marine Facilities Insurance — covering risks such as commercial auto liability, auto physical damage, motor truck cargo, marina operators liability, hull physical damage, and ocean cargo. In March 2024 the firm broadened its product surface with a Cyber insurance program featuring a Quick Quote capability, plus niche programs in Towing & Repossession, Building Material Dealers, and Wood Products/Sawmill/Lumber. All products are backed by multiple A-rated carrier relationships.

The company's technology stack is that of a traditional specialty MGA: a delegated underwriting platform that enables retail brokers to access complex specialty coverages through standardized program structures, supported by a corporate website with broker-application workflows. There is no disclosed use of AI/ML or proprietary underwriting models; differentiation rests on domain expertise, conservative underwriting discipline, and multi-regional talent acquired through roll-ups of Piedmont Transportation Underwriters (2017, Mid-Atlantic), Marine N-Surance Brokers (2021, marine), and NTIS Transportation Insurance Services (2022, Western US).

First Light operated a pure wholesale go-to-market, distributing exclusively through a vetted network of appointed retail insurance brokers across the contiguous United States (excluding Alaska and Hawaii). Revenue was generated via commission arrangements on premiums placed through both traditional wholesale brokerage and delegated underwriting programs. Effective January 1, 2026, the company was acquired by INSURICA Insurance Services in the acquirer's largest transaction, with approximately 100 Florida- and North Carolina-based employees transitioning to INSURICA.

Name

First Light Program Managers

Legal name

First Light Program Managers, Inc.

Website

https://firstlightprograms.com

Company type

Private

Founded year

2007

Operating status

Acquired

Headcount range

1–10 employees

Short description

First Light Program Managers was a wholesale managing general agency and program manager specializing in trucking, transportation, and ocean/recreational marine insurance distributed through appointed retail brokers across the contiguous US. Acquired by INSURICA in January 2026.

Ownership category

akta.pro rank

Headquarters

HQ city

Dania

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Wholesale Insurance Distribution: Revenue generated through commission arrangements as a wholesale insurance provider and managing general agency. Operates both traditional wholesale brokerage and delegated underwriting programs, earning commissions on premiums placed through retail broker partners.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

First Light Program Managers is a managing general agency (MGA) and program manager that underwrites and distributes specialty commercial insurance products through a network of appointed retail insurance brokers. Its core offerings are two industry-specific programs: Trucking & Transportation Insurance and Ocean and Recreational Marine Facilities Insurance, with additional niche sub-programs in Cyber, Towing & Repossession, Building Material Dealers, and Wood Products/Sawmill/Lumber. All programs are backed by multiple A-rated insurance carrier relationships and delivered via traditional wholesale brokerage and delegated underwriting authority.

Product overview

First Light Program Managers is a managing general agency and program manager offering specialty niche insurance products exclusively through appointed retail brokers. The company operates two primary insurance programs: Trucking & Transportation Insurance and Ocean and Recreational Marine Facilities Insurance. The trucking program covers auto liability, auto physical damage, and motor truck cargo for the transportation industry. The marine program provides commercial marine packages, motor truck cargo, and ocean cargo coverage for marine facilities including marinas, boat dealers, and ship repair yards. Additionally, the company offers specialized sub-products including Cyber Insurance (with a Quick Quote feature), Towing & Repossession Insurance, Building Material Dealers Insurance, and Wood Products/Sawmill/Lumber Insurance. All programs are distributed through a network of appointed retail insurance brokers and backed by multiple A-rated insurance carriers.

Differentiator

Problem solved

Functional benefit

Products and services

• Trucking & Transportation Insurance Specialty insurance program for the trucking industry covering commercial auto liability, auto physical damage, and motor truck cargo coverage. Serves general commodities, containerized freight, flatbed, and auto haulers across all U.S. states except Alaska and Hawaii.
• Ocean and Recreational Marine Facilities Insurance Comprehensive marine insurance program offering commercial marine packages, motor truck cargo, and ocean cargo coverage. Serves marinas, boat dealers, yacht clubs, boat repairers, ship repair yards, marine contractors, and terminal operators through multiple A-rated carriers.
• Cyber Insurance Specialty cyber insurance program featuring a Quick Quote application delivering bindable quotes in under an hour through four quick questions, distributed through appointed retail brokers.
• Towing & Repossession Insurance Specialty insurance program covering towing and repossession operations, distributed through appointed retail insurance brokers.
• Building Material Dealers Insurance Specialty insurance program for building material dealers, distributed through appointed retail insurance brokers.
• Wood Products, Sawmill, Lumber Insurance Specialty insurance program for wood products, sawmill, and lumber businesses, distributed through appointed retail insurance brokers.

Quantifiable outcome

• Over 25 years of continuous operation in the trucking insurance space through significant market volatility

Segments4 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

One partnership is on record.

• INSURICA Insurance ServicesmajorOthers · 1 January 2026INSURICA Insurance Services acquired First Light Program Managers effective January 1, 2026, in what INSURICA described as its largest acquisition in company history. The acquisition positions INSURICA to expand its underwriting and program administration capabilities while gaining over 100 new employees and specialized expertise in trucking, transportation, and marine insurance.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Regional players

• Battleground Insurance: Battleground Insurance is a regional commercial insurance provider serving the trucking and transportation industries, particularly in the Southeastern US. It overlaps with First Light's trucking program focus and Southeast market presence, though with a more regional footprint.

Others

• INSURICA Insurance Services: INSURICA is the parent company of First Light Program Managers following the January 2026 acquisition. As a multi-state insurance agency, it provides the strategic platform and capital base into which First Light's trucking, transportation, and marine programs are now integrated.

Broad incumbents

• Amwins: Amwins is the largest US specialty wholesale distributor and MGA, with a broad portfolio across many specialty lines including transportation. As a much larger incumbent, it competes for retail broker appointments and carrier relationships across the same niches First Light targets.

Direct peers

• RPS (Risk Placement Services): RPS is a major wholesale broker and MGA offering specialty insurance products through retail agents. Its specialty programs and delegated underwriting capabilities in transportation and commercial auto directly overlap with First Light's core trucking and marine offerings.
• NSM Insurance Group: NSM is a specialty MGA and program manager building niche industry programs (including transportation and recreational marine). Its MGA model, delegated underwriting approach, and exclusive broker distribution closely mirror First Light's operating model.
• Burns & Wilcox: Burns & Wilcox is a large specialty wholesale insurance brokerage and MGA serving retail agents with niche industry programs. It directly competes with First Light in providing wholesale/MGA services to retail brokers across multiple specialty lines including transportation.
• USG Insurance Services: USG Insurance Services is a North American MGA and wholesale broker with specialty programs including transportation. Its program manager business model and retail broker distribution align closely with First Light's wholesale program approach.
• Brown & Riding: Brown & Riding is a national wholesale insurance brokerage offering specialty property, casualty, and transportation coverage through retail agents. Its transportation practice and delegated authority capabilities place it in direct competition with First Light for retail broker appointments.
• CRC Insurance Services: CRC Insurance Services is one of the largest US wholesale brokers and program managers, operating a network that places specialty coverage through retail agents. Its transportation and marine specialty practices compete head-to-head with First Light's programs.

Emerging players

• Breckinridge Insurance Services: Breckinridge Insurance Services is a specialty MGA/wholesale broker with growing programs in niche industries. While smaller in scale than First Light, it pursues a similar MGA + retail broker distribution model with selective industry specialization.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries3 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 First Light Program Managers