Going beyond a standard insurance policy

In a hardening insurance market, alternative risk options are becoming more attractive. Lighthouse is well-versed in all forms of alternative risk and prepared to help you decide what options are right for your business.

Large Deductible

A Large Deductible insurance policy provides the same coverage as a guaranteed insurance plan but is designed for those businesses who have the capacity to self-insure part of their losses.


Self-Insurance is when an organization retains the risk of loss themselves instead of passing the risk to an insurance carrier or their insurance program. Claims may be paid from a trust or directly from corporate funds.

Captive Insurance

Captive Insurance is a company that is wholly-owned and controlled by its insureds (members), its primary purpose is to insure the risks of its owners and its insureds benefit from the captive insurer’s underwriting profits. Lighthouse offers a Captive Feasibility Assessment to determine if this is the right option for you.


Retrospective is an insurance program where the final premium is based on the insureds actual losses during the policy period.


A participating policy enables the policyholder to share the profits of the insurance company in the form of a dividend.