What LIPCA Insurance Inc does

LIPCA Insurance Inc, operating through LIPCA, Inc. and its DBA LIPCA Insurance Services, is a specialty insurance agency founded in 1986 in Baton Rouge, Louisiana, dedicated exclusively to the pest control and lawn care industries. The company offers a multi-line portfolio including General Liability (with underwriting limits up to $5M), Property, Inland Marine, Umbrella/Excess, Workers Compensation, Auto, Termite and Pest Control Operator Bonds, and ancillary services such as claims filing, loss control advisory, and certificate of insurance issuance. LIPCA's stated differentiator is industry ownership: the company is owned and governed by pest and lawn management professionals, and it insures 80-85% of all independent pest and lawn management companies in Louisiana.

LIPCA monetizes primarily through recurring insurance premiums collected via annual subscriptions across its core product lines, complemented by one-time bonding fees for termite and pest control operator bonds. GTM combines a channel-partner motion through select insurance agents who place their pest/lawn clients, an inside-sales motion through a nationwide toll-free number (800-893-9887) staffed by trained personnel, and a self-serve website quick-quote funnel that delivers indications within 24-48 hours. Underwriting is performed in-house by a team of regional underwriters covering distinct U.S. territories, with senior leadership including CEO Andy McGinty (with LIPCA since 1991), COO Andrew McGinty IV, and Controller Jennifer May.

The company's operating platform consists of a fully automated computer system (in place since 1991) handling claims processing, policy tracking, expense management, policy and endorsement generation, premium audit assignment, cancellation letter generation, and marketing functions. Since 2007, LIPCA has been a Coverholder at Lloyd's of London for a pest control general liability program, responsible end-to-end for underwriting, claims, audits, billing, loss control, and marketing. The company has also built a "Proven Technology" partner ecosystem with chemical/equipment manufacturers (BASF, Bell Labs, Corteva, Degesch, Douglas Products, Liphatech, Nisus, Allergy Technologies) and pest-control software vendors (ServicePro, Pocomos) that translate into premium credits for insureds using approved products, reinforcing switching frictions.

Name

LIPCA Insurance Inc

Legal name

LIPCA, Inc.

Website

https://lipca.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Short description

LIPCA Insurance Inc is a Baton Rouge-based specialty insurance agency, owned by pest and lawn management professionals, writing General Liability, Property, Inland Marine, Umbrella, Workers Comp, Auto, and bonds exclusively for U.S. pest control and lawn care operators since 1985, with 80-85% Louisiana market share and nationwide reach via Lloyd's Coverholder capacity.

Ownership category

akta.pro rank

Product category

Specialty Commercial Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Agencies and Brokerages (524210)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Pest control insurance
• Lawn care insurance
• Commercial general liability
• Specialty industry insurance
• Pest management coverage

Headquarters

HQ city

Baton Rouge

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - General Liability: General liability insurance coverage for pest and lawn control operators, including coverage for general pest, termite, WDIR/WDORS, fumigation, mosquito, wildlife, weed control, and landscaping services. Premiums are collected on a recurring basis aligned with policy terms.
2. Property Insurance: Commercial property coverage for pest and lawn management businesses, offered as part of comprehensive insurance packages.
3. Inland Marine Coverage: Coverage for equipment and tools in transit, provided as part of the comprehensive insurance program.
4. Umbrella/Excess Coverage: Umbrella insurance policies providing additional liability coverage above primary limits, available in certain areas of the United States.
5. Auto Insurance: Commercial auto insurance for pest and lawn control companies, available in certain states.
6. Workers Compensation: Workers compensation coverage for employees of pest and lawn management companies, available in certain states.
7. Bonds: Termite and pest control operator bonds for Louisiana and Mississippi, with bond applications available for other states upon request.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

LIPCA Insurance Inc is a specialized insurance agency providing comprehensive coverage exclusively for the pest control and lawn care industries. The company offers General Liability, Property, Inland Marine, Umbrella/Excess, Auto, Workers Compensation, and Bond products tailored to pest management professionals and lawn and ornamental care operators nationwide. As a Coverholder for Underwriters at Lloyd's, London since 2007, LIPCA handles in-house underwriting, claims, audits, billing, loss control, and marketing for its national pest and lawn insurance program.

Product overview

LIPCA Insurance Inc operates as a specialized insurance agency providing a portfolio of insurance products exclusively for the pest and lawn management industry. The core offerings include a General Liability Program for pest control operators (covering general pest, termite, fumigation, mosquito, wildlife, weed control, and landscaping), a Lawn and Ornamental Care Operator Program, Workers Compensation, National Auto Program, Umbrella/Excess coverage, and Termite & Pest Control Operator Bond services. Additional services include a Quick Quote service for fast insurance indications, Claims Filing, Loss Control advisory services with technical advisors, and Certificate of Insurance request functionality. All products are downloadable as applications and supplemental forms in Word and PDF formats. The company is owned by and dedicated to pest and lawn professionals since 1985.

Differentiator

Problem solved

Functional benefit

Products and services

• Pest Control Insurance Program (General Liability) Comprehensive general liability, property, inland marine, and umbrella coverage for pest control operators covering general pest, termite, WDIR/WDORS, fumigation, mosquito, wildlife, weed control, and landscaping services, with GL underwriting limits up to $5 million.
• Lawn and Ornamental Care Operator Program General liability insurance program specifically designed for lawn and ornamental care operators, providing support services including federal labor law compliance, contract writing, and regulatory compliance assistance.
• Pest Control Workers Compensation

Quantifiable outcome

• In-house claims handling reduces resolution time and provides direct customer support
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

13 partnerships are on record, tiered core and minor.

• Underwriters at Lloyd's, LondoncoreStrategic or Co-development Partner · 1 January 2007LIPCA has been a Coverholder since 2007 for a pest control general liability program through Underwriters at Lloyd's, London. As Coverholder, LIPCA is responsible for underwriting, claims, audits, billing, loss control, and marketing.
• Louisiana Pest Control Association (LPCA)coreStrategic or Co-development Partner · 1 January 1986Facilitated by the Louisiana Pest Control Association, pest and lawn professionals formed LIPCA. LPCA played a key role in establishing the insurance trust during the mid-1980s liability crisis.
• BASFcoreStrategic or Co-development PartnerProven Technology partner. LIPCA rewards insureds that use certain products that reduce the chance of claims. BASF products for termite and pest control are recognized as lowering claim exposure for pest professionals, allowing LIPCA to provide credits and lower the cost of general liability insurance.
• Bell LabscoreStrategic or Co-development PartnerProven Technology partner for general pest control. Bell Labs products are determined to lower exposure for claims, allowing LIPCA to provide premium credits to insureds using these products.
• CortevacoreStrategic or Co-development PartnerProven Technology partner for termite and fumigation services. Corteva products are recognized as claim-reducing technologies that qualify insureds for insurance premium credits.
• DegeschcoreStrategic or Co-development PartnerProven Technology partner for fumigation services. Degesch products are approved for premium credits due to their effectiveness in reducing claim exposure.
• Douglas ProductscoreStrategic or Co-development PartnerProven Technology partner for fumigation. Douglas Products fumigation solutions are recognized for reducing pest professional liability exposure.
• LiphatechcoreStrategic or Co-development PartnerProven Technology partner for general pest control. Liphatech products are approved technologies that help reduce claims and qualify insureds for premium savings.
• NisuscoreStrategic or Co-development PartnerProven Technology partner covering insulation, termite, and general pest services. Nisus products are recognized as lowering exposure for claims to the pest and lawn professional.
• Active Guard (Allergy Technologies)coreStrategic or Co-development PartnerProven Technology partner for bed bug services. Active Guard products are approved for use by LIPCA insureds seeking premium credits.
• National Pest Management AssociationminorGTM or Marketing PartnerIndustry association partner. LIPCA provides technical and financial support through associate membership, advertising, articles, speaker sponsorship, and trade show attendance.
• Louisiana Pest Management AssociationminorGTM or Marketing PartnerState industry association partner. LIPCA provides support through associate membership and active participation.
• Association of Structural Pest Control Regulatory Officials (ASPCRO)minorGTM or Marketing PartnerRegulatory association partner. LIPCA maintains relationships with regulatory departments and directs customers to ASCPRO resources.

Scale indicators4 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• Burns & Wilcox: Burns & Wilcox is a national wholesale insurance broker and managing general agency offering specialty commercial property and casualty placement across multiple industries, including service trades. Their underwriters place difficult-to-place accounts that overlap with LIPCA's pest/lawn specialty — relevant as both a competitor for the same agent relationships and as a referral source for accounts outside LIPCA's footprint.
• RPS Specialty Insurance Group: Risk Placement Services (RPS) is a specialty insurance wholesale distribution platform offering niche commercial P&C programs across many trades. RPS shows up as a comparable because, like LIPCA, it serves agents placing difficult-to-place specialty risks into carrier programs; its scale and breadth, however, make it an incumbent counterweight rather than a direct match.
• State National Insurance: State National Insurance is a national specialty P&C carrier and program administrator with exposure to commercial package, workers' comp, and niche trades — overlapping with LIPCA's coverage lines. Comparable as a multi-state specialty carrier that could expand into pest/lawn or compete for LIPCA's agent placements.
• Amwins Specialty Insurance Services: Amwins is one of the largest specialty insurance wholesalers/Managing General Underwriters in the U.S., distributing specialty commercial lines (including property and casualty for trades) through retail agents. Like LIPCA, Amwins competes for retail-agent relationships when retail agents are placing pest and lawn accounts; it differs in scale, breadth, and lack of trade-specific narrow focus.

Direct peers

• National Western Financial: National Western Financial operates as a managing general underwriter and program manager for specialty commercial lines, including niche service-trade risks, similar to LIPCA's role as Lloyd's Coverholder and pest/lawn program manager. Comparable in the niche-program-manager business model that targets under-served commercial P&C verticals.
• Brownyard Group: Brownyard Group is a specialty insurance program manager offering coverage for pest control operators, landscapers, and other service trades — overlapping directly with LIPCA's pest control and lawn care programs. Like LIPCA, Brownyard focuses on the unique liability exposures of blue-collar service trades that are underserved by generalist carriers.
• PestSure: PestSure is a specialized insurance program for the pest control industry, providing general liability, property, workers' comp, and commercial auto coverage to pest management professionals. It is the most direct functional analog to LIPCA — both serve the same vertical with purpose-built coverage, niche underwriting, and loss-control services tailored to PMPs.

Regional players

• Wright & Percy Insurance: Wright & Percy is an independent regional insurance brokerage providing commercial and personal lines placement, including specialty commercial coverage — comparable to LIPCA in offering agent-led placement of niche commercial accounts, but with broader business mix and Gulf Coast regional focus.
• Wright National Flood Insurance Company: Wright Flood is a specialty insurance program manager focused on flood insurance placement, operating adjacent to LIPCA's specialty-insurance model. Comparability lies in operating as a niche single-line program manager with deep technical specialization — a model that LIPCA also runs for pest control GL — though it is in a different peril.

Emerging players

• L Squared Insurance Solutions: L Squared is a specialty insurance program manager that develops and administers niche insurance programs in partnership with carriers — structural analog to LIPCA's program-administrator-plus-Coverholder model, though covering different niche lines (e.g., contractors, hospitality). Comparable from a "verticalized specialty MGU" perspective.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/LIPCA-Insurance-Inc-National-Pest-and-Lawn-Program-100057400932114
• LinkedInlinkedin.com/company/lipca-insurance-inc---national-pest-and-lawn-program

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 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 LIPCA Insurance Inc