Lighthouse Insurance Group, Inc.
Lighthouse Insurance Group, Inc. is a Puerto Rico-based multiline insurance brokerage founded in 2011, offering commercial, personal, construction, benefits, and specialty coverage through 12+ carrier partnerships for individuals, businesses, and professionals across Caribbean and international markets.
- Company typePrivate
- Founded2011
- HeadquartersSan Juan, Puerto Rico
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Lighthouse Insurance Group, Inc. does
Lighthouse Insurance Group, Inc. is a privately held, multiline insurance brokerage firm headquartered in Guaynabo, Puerto Rico, founded in 2011 by three equal partners: Fernando de Zengotita Rexach, CIC; José Suárez Colón; and Tomás J. Martínez Balbin, LUTCF, CIC. The firm provides professional brokerage services across personal lines (auto, home, flood, umbrella, yacht, life), commercial lines (property, liability, auto, umbrella for retail, manufacturing, construction, food, communications, and professionals such as doctors, lawyers, architects, engineers, and CPAs), a dedicated construction line (surety, builders risk, workers comp, pollution, wrap-ups), miscellaneous bonds (fidelity, fiduciary, judicial, license and permit, financial guarantees, federal), a benefits department (group life, supplemental health, retirement, workers comp), and specialty programs for industrial plants, floating assets, private transportation, and home coverage.
The firm operates an asset-light brokerage model that places business with twelve named carrier partners — AIG, Antilles Insurance, Bluewaters, Chubb, Liberty Mutual, MAPFRE, Multinational Insurance, One Alliance, Optima Insurance, Seguros Multiples, Triples Insurance, and Universal Insurance — earning commission on policies sold and renewed. Pricing is quote-based and customized per client, with no standard tiered offering, and the firm's internal value-add is codified through a proprietary 9-step Plan Development System plus a "visualization" methodology intended to educate clients on insurance mechanics. There is no proprietary software platform, no API/SDK exposure, and no disclosed AI/ML or automation technology.
Lighthouse reaches clients through a sales-led, direct-office GTM concentrated in its Guaynabo headquarters (M-F 8:30AM-5:00PM), supplemented by a marketing website and Facebook/Instagram presence. It claims service reach across Puerto Rico, the continental United States, Latin America & Caribbean, and international/multinational clients, and targets a horizontal mix of individual, SMB, and enterprise buyers across multiple verticals rather than any single customer segment. The company is 11-50 employees, founder-owned with no institutional investors, no disclosed funding, no acquisitions, no patents, and no public awards.
Lighthouse Insurance Group, Inc. firmographics
Firmographics- Name
- Lighthouse Insurance Group, Inc.
- Legal name
- Lighthouse Insurance Group, Inc.
- Website
- https://lhinsurancegroup.com
- Company type
- Private
- Founded year
- 2011
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Lighthouse Insurance Group, Inc. is a Puerto Rico-based multiline insurance brokerage founded in 2011, offering commercial, personal, construction, benefits, and specialty coverage through 12+ carrier partnerships for individuals, businesses, and professionals across Caribbean and international markets.
- Ownership category
- akta.pro rank
Lighthouse Insurance Group, Inc. industry classification
Industry- Product category
- Insurance Brokerage Services
- NAICS
- Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)
- akta.pro primary industry
- Captive Insurance Advisory & Management (FSAEADAF)
- akta.pro secondary industry
- Employee Benefit & Retirement Plan Trust Services (FSAAANAC)
Keywords
Where Lighthouse Insurance Group, Inc. is headquartered
LocationHeadquarters
- HQ city
- San Juan
- HQ country
- Puerto Rico
- HQ region
- Latin America
Offices1 record
Markets served
Lighthouse Insurance Group, Inc. business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Brokerage Commissions: Lighthouse Insurance Group operates as an insurance broker earning commissions from insurance carriers for placing business. They represent multiple insurance carriers and receive compensation based on policies sold and renewed. The firm provides access to various insurers and re-insurers local and abroad, presenting the best terms considering premium costs, loss experience, probabilities, and deductible amounts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Customized Insurance Solutions |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Lighthouse Insurance Group, Inc. product offering
Product offeringCore offering
Lighthouse Insurance Group is a multiline insurance brokerage firm that places personal, commercial, construction, benefits, bond, and specialty insurance coverage on behalf of individuals, families, businesses, professionals, and multinational enterprises. Acting as an intermediary, the firm accesses an extensive network of insurance carriers and reinsurers to deliver customized coverage and risk management services across Puerto Rico and international markets, earning commissions from carriers on policies sold and renewed.
Product overview
Lighthouse Insurance Group, Inc. is a multiline insurance brokerage firm offering a comprehensive portfolio of insurance products and services. The company's core offerings include Commercial Lines (business property and specialized professional coverage), Personal Lines (auto, home, health, life insurance), Construction Line (surety, property/casualty, workers' comp), Miscellaneous Bonds (fidelity, judicial, license bonds), Benefits Department (life, supplemental health, retirement plans), and Specialty Programs (customized comprehensive plans). The firm operates as an insurance broker connecting clients with multiple carrier partners to provide customized solutions across personal, business, and benefits insurance categories.
Differentiator
Problem solved
Functional benefit
Products and services
- Commercial Lines / Business Insurance Insurance lines covering business property and financial well-being, providing specialized services to retail, manufacturing, construction, food, communications industries, and professionals including doctors, lawyers, architects, engineers, and certified public accountants.
- Personal Lines / Personal Insurance Coverage options protecting individuals and families including car, home, health, and life insurance, with coverages including dwelling/hazard, flood, homeowners, personal auto, personal article floaters, personal umbrella, and yacht coverage.
- Construction Line / Construction Insurance Insurance brokerage services protecting all phases of construction projects across commercial, residential, and governmental (public-private) projects, including surety, property and casualty coverage, workers' compensation, builder's risk, pollution, and wrap-up programs.
- Miscellaneous Bonds Specialty bond products including fidelity bonds, fiduciary, judicial, license and permit bonds, financial guarantees, and federal bonds.
- Benefits Department / Benefits Insurance Employee benefits insurance programs for individuals and companies, including life insurance, supplemental health, and retirement plans, available for local businesses and multinational enterprises.
- Specialty Programs Customized comprehensive insurance plans for industrial plants, floating company assets, employee benefits, private transportation, or home coverage designed to fit specific requirements.
Companies that use Lighthouse Insurance Group, Inc.
Customer profileSegments5 records
Ideal customer profiles4 records
Lighthouse Insurance Group, Inc. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Lighthouse Insurance Group, Inc. partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and supporting.
- AIGcoreOne of the world's leading insurance organizations providing property and casualty insurance. Lighthouse Insurance Group offers AIG products as part of their carrier portfolio to provide comprehensive coverage options to clients.
- Antilles InsurancecoreRegional insurance carrier serving the Caribbean market. Partnership provides local market expertise and coverage options for Caribbean-based clients.
- BluewaterssupportingInsurance carrier partner included in Lighthouse Insurance Group's extensive network of insurers.
- ChubbcoreLeading global provider of commercial and personal property and casualty insurance. Chubb partnership enables Lighthouse to offer high-quality commercial coverage options.
- Liberty MutualcoreMajor property and casualty insurer providing personal and commercial insurance products. Partnership expands coverage options and competitive pricing for clients.
- MAPFREcoreSpanish multinational insurance company operating extensively in Latin America and the Caribbean. Strategic partnership for regional market coverage and multilingual service capabilities.
- Multinational InsurancesupportingInsurance carrier partner serving multinational enterprises with complex cross-border insurance requirements.
- One AlliancesupportingInsurance carrier partner included in the Lighthouse network providing additional coverage options.
- Optima InsurancesupportingRegional insurance carrier partner offering specialized coverage options.
- Seguros MultiplescorePuerto Rico-based insurance company providing comprehensive insurance products. Strong local market presence and expertise in Puerto Rican insurance needs.
- Triples InsurancesupportingRegional insurance carrier partner in the Lighthouse network.
- Universal InsurancecoreMajor regional insurance provider with strong presence in Puerto Rico and Caribbean markets, offering personal and commercial coverage.
Scale indicators2 records
Recent moves5 records
Expansion highlights6 records
Lighthouse Insurance Group, Inc. competitors and assessment
Company assessmentDirect peers
- Brown & Riding: Specialty insurance brokerage focused on construction, surety and excess & surplus lines; comparable to Lighthouse's construction and surety capabilities and E&S placement orientation.
- USI Insurance Services: Mid-market-focused insurance brokerage and consulting firm with strong employee benefits and commercial lines practices; comparable to Lighthouse in serving middle-market clients across personal, business and benefits.
- Hub International: North American mid-market insurance brokerage built via aggressive roll-up of regional brokerages; comparable to Lighthouse as a multi-line, multi-carrier brokerage serving SMB and personal lines clients through relationship-led distribution.
- Hilb Group: Middle-market insurance brokerage consolidator; comparable to Lighthouse in serving SMB and personal lines clients across commercial, personal and benefits with relationship-led distribution.
- Acrisure: Fast-growing insurance brokerage consolidator; comparable to Lighthouse as a multi-line, multi-carrier brokerage pursuing growth through partnerships and acquisitions in regional markets.
- RPS (Risk Placement Services): Specialty wholesale broker and binding authority platform; comparable to Lighthouse for its excess & surplus, specialty and construction/surety placement work that complements retail brokerage.
- AssuredPartners: Insurance brokerage built through acquisition of regional agencies across the U.S.; comparable to Lighthouse as a multi-line retail broker with construction, surety and specialty capabilities for middle-market clients.
Broad incumbents
- Lockton: Largest independent insurance brokerage in the U.S., strong in specialty and commercial lines; comparable to Lighthouse on the multi-line, multi-carrier brokerage model serving commercial and specialty clients.
- Aon: Global insurance brokerage and reinsurance intermediary; comparable as a broad incumbent offering commercial, personal, construction and benefits placement to Puerto Rico and Caribbean clients.
- Marsh McLennan: Global insurance brokerage and risk advisory firm; Lighthouse's two co-founders previously ran construction and sports & entertainment practices at Marsh Saldaña (Marsh's Puerto Rico/Caribbean operation), making it the most direct lineage-based comparable.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Lighthouse Insurance Group, Inc. social profiles
Digital presenceLighthouse Insurance Group, Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lighthouse Insurance Group, Inc. leadership team
Management profileNumber of profiles
Profiles3 records
Lighthouse Insurance Group, Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lighthouse Insurance Group, Inc. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Lighthouse Insurance Group, Inc.
What does Lighthouse Insurance Group, Inc. do?
Lighthouse Insurance Group is a multiline insurance brokerage firm that places personal, commercial, construction, benefits, bond, and specialty insurance coverage on behalf of individuals, families, businesses, professionals, and multinational enterprises. Acting as an intermediary, the firm accesses an extensive network of insurance carriers and reinsurers to deliver customized coverage and risk management services across Puerto Rico and international markets, earning commissions from carriers on policies sold and renewed.
Is Lighthouse Insurance Group, Inc. a public or private company?
Lighthouse Insurance Group, Inc. is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Lighthouse Insurance Group, Inc. founded?
Lighthouse Insurance Group, Inc. was founded in 2011. It employs 11 to 50 people.
Where is Lighthouse Insurance Group, Inc. based?
Lighthouse Insurance Group, Inc. is headquartered in San Juan, Puerto Rico, in the Latin America region.
How does Lighthouse Insurance Group, Inc. make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Lighthouse Insurance Group, Inc.'s main competitors?
Direct peers on record are Brown & Riding, USI Insurance Services, Hub International, Hilb Group, Acrisure, RPS (Risk Placement Services) and AssuredPartners. Broad incumbents are Lockton, Aon and Marsh McLennan.
Does Lighthouse Insurance Group, Inc. have an API?
No public API is recorded for Lighthouse Insurance Group, Inc..
What industry is Lighthouse Insurance Group, Inc. in?
Lighthouse Insurance Group, Inc.'s product category is Insurance Brokerage Services. Its primary akta.pro industry code is FSAEADAF, Captive Insurance Advisory & Management, with a secondary code of FSAAANAC, Employee Benefit & Retirement Plan Trust Services. Its NAICS code is 52421 and its SIC code is 6411.