Lighthouse Consulting Llc

What Lighthouse Consulting Llc does

Lighthouse Consulting LLC is an independent property insurance underwriting consulting firm founded in 2007 by Robert Medeiros and headquartered in Charlotte, North Carolina. The firm delivers property underwriting audits, acquisition due diligence, claims reviews for commutations, underwriting practice and strategy evaluations, expert witness services, and a training program called "The Art of the Audit" to reinsurers, insurers, and managing general agents (MGAs). Its primary customer base is Bermuda and offshore reinsurers supporting risk and catastrophe treaties, alongside domestic MGA/fronted programs seeking independent program evaluation.

The firm operates as a sole-proprietor consulting practice under an LLC designation, with services delivered directly by the founder. The core methodology rests on the principal's 47 years of combined technical property underwriting, brokerage, loss control engineering, and audit experience, including the ability to audit Highly Protected Risk (HPR) operations using loss expectancy measurements (EML, MFL, PML, NLE) and apply catastrophe modeling expertise. The firm has developed proprietary "Best Practice" guidelines for evaluating underwriting quality across Global, National Property, Shared and Layered, E&S, Middle Market, and Homeowners segments. No software product, app, or AI tooling is delivered; the value proposition is entirely human expertise.

Revenue is generated through project-based consulting engagements, each scoped via a formal scope document, rather than through subscriptions, products, or licensing. Pricing is not publicly disclosed. Go-to-market is relationship-driven, relying on professional reputation and referrals rather than active marketing, with services sold directly to enterprise clients in the insurance/reinsurance industry. Geographic footprint covers North America and Bermuda, with no publicly disclosed expansion plans or external capital.

Name

Lighthouse Consulting Llc

Legal name

Lighthouse Consulting LLC

Website

https://lighthouseconsulting.us

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Lighthouse Consulting LLC is an independent Charlotte, NC-based consultancy founded in 2007 by Robert Medeiros, providing property insurance underwriting audits, acquisition due diligence, commutation claims reviews, and expert witness services to reinsurers, insurers, and MGAs.

Ownership category

akta.pro rank

Headquarters

HQ city

Charlotte

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

Revenue model

1. Professional Consulting Services: Fee-for-service consulting engagements including property underwriting audits, acquisitions due diligence, claims reviews for commutations, underwriting practice and strategy evaluations, and expert witness services. Revenue is generated through project-based consulting assignments rather than recurring subscriptions.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Lighthouse Consulting LLC provides independent property insurance underwriting audits and consulting services to reinsurers, insurers, and MGAs. Engagements cover property underwriting audits across market segments (Global, National Property, E&S, Middle Market, Homeowners, HPR), acquisitions due diligence, claims reviews for commutations, underwriting practice and strategy evaluations, auditor training, and expert witness services, all delivered directly by the founder-owner on a project-based fee-for-service basis.

Product overview

Lighthouse Consulting LLC operates as a premier independent property underwriting consulting firm offering a portfolio of professional services. The core offerings include Property Underwriting Audits (providing evaluation of underwriting practice and discipline for (re)insurers across all property market segments including HPR, National Accounts, Middle Market, and E&S), Consulting services (covering acquisitions due diligence, commutations, and underwriting practice and strategy evaluations), and auditor training through 'The Art of the Audit' program. The firm also provides Expert Witness services. These services are delivered through expert human consultation rather than a software product.

Differentiator

Problem solved

Functional benefit

Products and services

• Property Underwriting Audits

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Aon: Global professional services firm operating Aon Reinsurance Solutions (formerly Aon Benfield), serving insurers, reinsurers, and MGAs with reinsurance advisory, capital advisory, and underwriting consulting across all property market segments. A much larger incumbent competing for the same Bermuda and off-shore reinsurance clients Lighthouse serves.
• Guy Carpenter: Reinsurance broker and advisory subsidiary of Marsh McLennan providing treaty placement, capital markets solutions, and strategic advisory to reinsurers, insurers, and MGAs globally. Overlaps with Lighthouse on reinsurance underwriting strategy and audit-adjacent consulting engagements.
• Oliver Wyman: Global management consulting firm (part of Marsh McLennan) with a substantial insurance and reinsurance practice providing strategic, operational, and risk consulting to carriers, reinsurers, and MGAs, including underwriting performance reviews and capability assessments analogous to Lighthouse's audit services.
• Willis Towers Watson (WTW): Global advisory firm with insurance consulting and reinsurance brokerage practices (incorporating the former Tillinghast brand), offering actuarial, underwriting, and risk consulting to insurance and reinsurance clients. Comparable scope to Lighthouse across property underwriting review and due diligence.
• Milliman: Independent actuarial and consulting firm providing insurance consulting, reinsurance advisory, and property/casualty risk services, including underwriting audits, due diligence, and catastrophe modeling — directly comparable technical capabilities to Lighthouse's HPR and cat-modeling expertise.

Others

• Burns & Wilcox: Specialty insurance brokerage and wholesale distributor serving insurance carriers, MGAs, and brokers with placement and limited underwriting/risk services. Tangentially comparable as a service provider to the same MGA/Fronted program segment Lighthouse audits.
• RPS (Risk Placement Services): National wholesale insurance brokerage and managing general agency providing specialty insurance placement and program services to retail brokers, insurers, and reinsurers. Operates in adjacent distribution channels serving some of the same MGA clients Lighthouse audits.

Direct peers

• TigerRisk Partners: Independent reinsurance intermediary and capital advisory firm providing reinsurance broker and consulting services to insurers, reinsurers, and MGAs. A boutique-style specialist with comparable client base and advisory scope to Lighthouse, particularly around underwriting due diligence.
• Brown & Riding: Specialty insurance and reinsurance intermediary providing brokerage and consulting services to insurers, reinsurers, and MGAs, including underwriting audits and due diligence support — directly comparable to Lighthouse's property underwriting audit offering.
• Holborn: Reinsurance broker and consulting firm historically specializing in reinsurance advisory, treaty placement, and strategic consulting for insurers and reinsurers — a similarly niche, independent peer targeting the same Bermuda and off-shore reinsurance buyer set.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lighthouseconsulting

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Consulting Llc