Lighthouse Commercial Insurance

What Lighthouse Commercial Insurance does

Lighthouse Commercial Insurance, Inc. is a privately held, family-owned independent insurance brokerage founded in July 2013 by Kevin McAdams and Drea McAdams and headquartered at 2118 E Darby Rd, Havertown, Pennsylvania. The firm operates as a traditional commercial Property & Casualty insurance intermediary serving middle market businesses across the Tri-State area (Pennsylvania, New Jersey, and Delaware). Its go-to-market is direct enterprise field sales by licensed insurance professionals who perform exposure assessments, build risk management plans, and provide ongoing account servicing (certificates, claims, billing). There is no proprietary technology platform; the agency earns commissions by placing coverage with multiple 'A' rated carrier partners, including Utica First Insurance Companies and at least 14 other carriers.

The product portfolio consists of 12 core commercial coverage lines (Workers Compensation, Commercial General Liability, Commercial Auto, Commercial Property, Commercial Umbrella, Cyber, Professional Liability / E&O, Crime, Inland Marine, Mechanical Breakdown, Surety Bonds, and Errors & Omissions) and ten industry-specific coverage packages tailored to contractors and construction, arborists and landscapers, trucking and warehouse operations, healthcare providers (home health, nursing homes, assisted living), religious institutions, automobile dealerships, school bus operators, school districts, wholesalers and distributors, and environmental and waste contractors. Workers Compensation is a stated specialty, with over 30 years of founder expertise and a stated $7,500 minimum premium.

The business model is commission-based recurring revenue from carrier partners, with no disclosed funding, no parent company, and no venture or institutional capital. The agency is staffed by six named professionals (two founding partners and four client services/insurance specialists) and is privately held under McAdams family ownership. No revenue, headcount trend, or financial metrics are publicly disclosed.

Name

Lighthouse Commercial Insurance

Legal name

Lighthouse Commercial Insurance, Inc.

Website

https://lighthouseins.biz

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Lighthouse Commercial Insurance is a family-owned independent commercial P&C insurance brokerage founded in 2013 in Havertown, PA, placing Workers Compensation, General Liability, Commercial Auto, Property, and ten industry-specific coverage packages for middle market businesses in the Tri-State area (PA, NJ, DE) through multiple 'A' rated carrier partners.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH), Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB), Inland Marine / Personal Articles & Valuable Items Insurance (FSAJACAJ), Commercial Property Insurance (FSAJACAE)

Keywords

• Commercial insurance brokerage
• Workers compensation coverage
• Commercial property casualty
• Middle market insurance
• Industry specific coverage

Headquarters

HQ city

Haverford

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Others

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance agency/broker, Lighthouse Commercial Insurance earns commissions from insurance carriers for placing commercial insurance policies. They represent multiple 'A' rated insurance companies and shop coverage across carriers to find best rates for clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Lighthouse Commercial Insurance is an independent commercial insurance brokerage that places commercial property and casualty insurance policies for middle-market businesses across the Tri-State area (PA, NJ, DE). The firm sells a portfolio of core commercial coverages (workers compensation, general liability, commercial auto, property, umbrella, cyber, professional liability, crime, inland marine, mechanical breakdown, E&O, and surety bonds) and bundles them into industry-specific packages for contractors, arborists/landscapers, trucking, wholesalers/distributors, healthcare, religious institutions, dealerships, school bus operators, and school districts.

Product overview

Lighthouse Commercial Insurance is a family-owned independent insurance brokerage serving the tri-state area (PA, NJ, DE) that operates as a traditional insurance intermediary rather than a technology platform. The company offers a portfolio of core commercial insurance products (workers compensation, commercial general liability, commercial auto, commercial property, umbrella, cyber, professional liability, crime, inland marine, mechanical breakdown, errors and omissions, and surety bonds) alongside 10 industry-specific coverage packages designed for contractors, environmental/waste contractors, wholesalers, distributors, arborists/landscapers, trucking/warehouse operations, religious institutions, automobile dealerships, school bus operators, school districts, and healthcare providers. The company partners with multiple 'A' rated insurance carriers to provide competitive pricing and creative risk management solutions, functioning as a traditional broker rather than a software-as-a-service product.

Differentiator

Problem solved

Functional benefit

Products and services

• Workers Compensation Workers compensation insurance coverage for businesses of all sizes, with access to competitive carriers and creative solutions for accounts with challenges.
• Commercial General Liability General liability insurance protecting businesses against third-party claims for bodily injury, property damage, and personal injury.
• Commercial Auto Insurance Coverage for business vehicles and fleets against accidents, liability, and physical damage.
• Commercial Property Insurance Insurance coverage for commercial buildings, equipment, and inventory against property damage and loss.
• Commercial Umbrella Insurance Excess liability coverage that supplements base insurance policies when limits are exhausted.
• Cyber Insurance Coverage for businesses against cyber threats, data breaches, and network security incidents.
• Professional Liability Errors and omissions coverage protecting professionals against claims of negligence or inadequate work.
• Crime Insurance Coverage against employee theft, embezzlement, and other criminal acts affecting business assets.
• Inland Marine Insurance Coverage for contractors equipment, tools, property in transit, computer equipment, builders risk, and installation floater that travels with assets off-site.
• Mechanical Breakdown Insurance Coverage minimizing downtime and repair costs when essential business systems and equipment fail, including liability for injuries from breakdowns.
• Errors and Omissions Insurance Professional liability coverage for businesses against claims arising from mistakes, oversights, or negligent actions.
• Surety Bonds Contractual surety bonds for contractors and businesses requiring performance guarantees.
• Contractors & Construction Insurance Program Specialized insurance packages for contractors and construction businesses, combining multiple coverage types tailored to construction industry risks.
• Environment & Waste Contractors Insurance Program Customized coverage for environmental and waste management contractors addressing unique industry exposures and regulatory requirements.
• Wholesalers & Distributors Insurance Program Tailored insurance solutions for wholesalers and distributors covering commercial auto, inland marine, general liability, and property.
• Arborists & Landscapers Insurance Program Specialized coverage for tree service and landscaping professionals with over 60 years combined experience in this sector.
• Trucking & Warehouse Operations Insurance Program Comprehensive coverage for trucking companies and warehouse operators addressing fleet, cargo, and facility risks.
• Religious Institutions Insurance Program Insurance coverage designed for churches, temples, and other religious organizations.
• Automobile Dealerships Insurance Program Flexible insurance solutions protecting showroom, fleet, inventory, and operations for car dealerships.
• School Bus Operators Insurance Program Coverage for school bus operators including driver liability, passenger coverage, and fleet protection.
• School Districts Insurance Program Insurance programs tailored for school districts addressing educational institution-specific risks.
• Healthcare Industries Insurance Program Comprehensive coverage for home health care services, nursing homes, and assisted living facilities addressing regulatory, operational, and liability challenges.

Segments10 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Utica First Insurance CompaniescoreChannel Partner/ Reseller/ DistributorUtica First Insurance Companies are among the 'A' rated insurance carriers that Lighthouse Commercial Insurance represents. These partnerships allow the agency to provide clients with the best products and values available in any market environment for middle market commercial insurance coverage.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• The Hilb Group: Mid-market commercial insurance brokerage operating across the U.S. with a regional-agency roll-up model. Highly comparable to Lighthouse in business model (independent agency placing middle market commercial P&C) and target client (mid-market commercial accounts), though substantially larger and PE-backed.
• RPS (Risk Placement Services): Specialty insurance brokerage placing hard-to-place commercial risks with wholesale and E&S carriers. Comparable to Lighthouse in arranging coverage for niche, harder-to-place commercial lines (e.g., environmental contractors, arborists, truckers) through specialty carrier relationships.
• World Insurance Associates: PE-backed roll-up of regional commercial insurance agencies with a strong middle market focus and multi-carrier distribution model. Directly comparable to Lighthouse in serving middle market commercial clients with a multi-vertical, multi-carrier brokerage approach.
• Burns & Wilcox: Wholesale insurance brokerage and managing general agency specializing in placing complex and specialty commercial risks. Comparable to Lighthouse for the niche, harder-to-place verticals (environmental, transportation, arborist) where standard markets are not available.
• Heffernan Insurance Brokers: Employee-owned independent insurance brokerage specializing in commercial P&C for middle market clients, with a similarly entrepreneurial, relationship-driven culture. Direct comparable in size range, business model, and target customer segment.
• Trucordia: PE-backed middle market insurance brokerage built by rolling up regional commercial agencies. Closely comparable to Lighthouse in target customer (middle market commercial) and growth playbook (regional roll-up with technology enablement).
• Cross Insurance: Regional independent insurance agency serving commercial and personal lines clients across the Northeast, with a model of acquiring and operating local agencies. Comparable to Lighthouse as a multi-carrier commercial brokerage serving middle market accounts in the Northeast U.S.

Broad incumbents

• Acrisure: One of the largest insurance brokerages in the world, built through a roll-up of independent agencies. A scaled-up version of Lighthouse's business model with technology investments, demonstrating the growth ceiling available through aggressive M&A in the brokerage space.
• USI Insurance Services: Large national middle market commercial insurance brokerage with broad carrier access and risk management services. Operates in the same middle market commercial P&C segment as Lighthouse but at substantially greater scale with a wider geographic footprint.
• Brown & Brown: Large national insurance brokerage built on acquiring independent commercial agencies. A scaled incumbent in the same space as Lighthouse, illustrating both the roll-up opportunity and the competitive threat from well-capitalized national consolidators.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Lighthouse Commercial Insurance