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We Manage Risk So You Can Focus On Your Dreams

Lighthouse Insurance Agency is your guiding light for insurance security and savings.

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Learn About Lighthouse Insurance Agency

We have provided quality service and comprehensive coverage to our clients locally and beyond. As an independent agency, we have the ability to work with your best interests in mind so that we can help you find a policy at an affordable rate.

We are also dedicated to providing you with personalized service and establishing trusted relationships. Because we believe that knowing and understanding your needs is essential to bringing you quality coverage. If you are looking for an agency that looks out for you, Lighthouse Insurance Agency is here to guide you.

Meet Our TeamLearn About Us

Located in Lorain, OH

We’re proud to be residents and a locally-owned and operated business in the heart of Lorain, OH.

We Set Our Sails in a Different Direction

Here’s what puts Lighthouse Insurance Agency leagues ahead of the rest.


We focus on personalized customer service to get to know you and understand your needs.

  Clients Come First

We go the extra mile to exceed your expectations, no matter what you need.

  Experienced Agency

With over 20 years in business, we understand what it takes to bring you quality coverage.

Why Go Independent?

Our Radiant Ratings Reflect Who We Are

Our agency would be lost without our clients, who we steer in the direction of insurance security and savings.

“Lighthouse has taken great care of my family and I always refer my friends and family.”

Jake S.

“I would highly recommend Brian and his team for all your insurance needs. They are very helpful and go the extra mile to make sure that their insured is taken care of.”

Michelle S.

“Love them! They are always so helpful and friendly. Getting new insurance on my car and motorcycle was super quick and easy.”

Randi Lewis

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Guiding You to Safer Coverage and Better Savings

Personal Insurance

Insurance by Industry

Business Insurance

Employee Benefits

Commercial General Liability Coverage
Risk Factor

As a landscaper, your business may be susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more. And, if you hire other contractors to perform work on your behalf, you can be held responsible for any damage they cause on the job.


Commercial general liability insurance is an absolute necessity for every landscaper. This type of protection provides broad coverage for premises, operations, products, and claims to third parties or property when you are deemed responsible and liable. It will also pay to defend any covered lawsuit or action regardless of its merit.

Business Auto Insurance
Risk Factor

Landscapers have many exposures associated with vehicles, whether owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your landscaping business in financial jeopardy.


Business auto insurance provides coverage for vehicles owned or leased by a landscaper and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Liability
Risk Factor

Losses and lawsuits are quite common. Defending these suits and paying any damages awarded can be quite costly. If your landscaping business is found to be responsible for damage or injury on a job site, you could be facing a large liability loss that exceeds the limits of your standard policy.


You should consider purchasing a commercial umbrella insurance policy which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over various policies, including general liability insurance, business auto, and directors and officers liability insurance.

Hold Harmless / Additional Insureds
Risk Factor

If you are working as a landscaper on a project where other contractors and vendors are involved, you could be held liable for any damages or injuries caused by the other contractors or vendors, leaving you with costly legal fees and settlement costs. Your business needs to be protected against the risk of some other company, vendor, or subcontractor causing damage to people or property of your mutual customer.


Consider having a contract in place with each entity that includes a hold harmless agreement in your favor. A hold harmless agreement provides that the entity will hold you harmless for any injuries or damage caused by their negligence. In addition, the contract should require that the entity list you as an additional insured on the policy. This may provide you with coverage under their policy or injuries or damage they cause if you are named in a lawsuit.

Commercial Property Insurance
Risk Factor

While much of your business is conducted on the property of others, you likely still have a base of operations that may contain tools, equipment, and supplies. When a fire, theft, or other type of disaster strikes, your business property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.


Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your buildings or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Workers’ Compensation
Risk Factor

Because your crew is working with dangerous equipment and potentially hazardous chemicals, there’s always a chance something could go wrong. If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.


Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Risk Factor

Your landscaping business uses specialized equipment that’s essential to get the job done and carries a high value. If your equipment breaks, is damaged, or is stolen, you’re not able to do your job. And, because you're transporting equipment from job site to job site, there’s an even greater risk that something could happen to it.


Mechanical breakdown insurance may provide coverage in the event a piece of equipment malfunctions or stops working. Your property insurance will offer coverage for your equipment while it is stored at your location. Inland marine insurance is helpful as it covers your equipment while it is in transit between job sites.

Environmental Insurance
Risk Factor

Your landscaping business faces risks associated with the use of hazardous chemicals. These can include herbicides, pesticides, and fertilizers. Equipment may leak fuel or other hazardous chemicals. Improper use, spills, and other contamination events can result in significant injury or damage.


Environmental liability insurance may offer protection in the event of property damage or bodily injury that is the result of environmental pollutants. Your policy may provide for cleanup and restoration, defense costs if you are named in a lawsuit, and damages that may be awarded to an injured party.

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