Financial Strength

Lighthouse's Reinsurance Coverage

We believe providing you the most complete information about Lighthouse helps you make the most informed decision regarding becoming an agent. Below is our latest reinsurance data.

  • Catastrophe Excess of Loss Reinsurance in excess of the 1-in-100 year storm PML with reinstatements for a second event
  • The Cat XOL reinsurance is structured in layers, each inuring to the company’s retention.  If the aggregate limit of the preceding layer is exhausted, the next layer of protection drops down for subsequent events until exhausted; thereby eliminating gaps in coverage
  • Quota Share Reinsurance
  • All reinsurers have a Financial Stability Rating of “A-” (Excellent) or better by A.M. Best, or are fully collateralized
  • Additional Per Risk Excess of Loss Coverage is provided by Gen Re, a Berkshire Hathaway Company, limiting any single non-catastrophe loss retention to $300,000