Your Specialty P&C Platform. Built to Scale.

Whether you're launching something new or scaling what's working, Lumos gives MGAs and MGUs an A- rated, 49-state platform with the flexibility, access, and technology to build something that lasts.

Explore solutions Partner with Lumos
USA Based 45 Years AM Best A- Rated
Program Areas


Where we underwrite and partner in Specialty P&C

Lumos is a specialty Property & Casualty insurer backing durable insurance and warranty programs—and a leading provider of Contractual Liability Insurance Programs (CLIPs) for partners seeking carrier-backed capacity, compliance, and long-term stability.

Specialty Property & Casualty insurance programs

Supporting specialty P&C programs focused on emerging, niche and underserved markets.

  • Broadly licensed Lumos insurance paper
  • Active, partnership-oriented style
  • Regulatory and product support and expertise
  • Governance, reporting and operational discipline
  • Next generation enabled technology
  • Long-term stability for durable, profitable growth

Contractual liability & warranty programs (CLIPs)

A leading carrier for contractual liability insurance supporting warranty and service contract programs.

  • Vehicle service contracts (VSC)
  • Auto, consumer, and specialty warranty programs
  • CLIP structures backed by Lumos P&C paper
  • Compliance, filings, and regulatory oversight

Frequently asked questions

A few quick answers to help you assess fit before we talk.

What is Lumos looking for in new program partners?
Building on 45+ years as a market leader in warranty and CLIP solutions, we're actively expanding our appetite for MGA/MGU driven P&C programs in 2026. You don't need 10 years of experience data or millions in inforce premium. We're looking for the right foundation:
  • Niche, specialist business focus—not generalist or commoditized
  • Demonstrable subject matter expertise
  • A tech-savvy mindset and willingness to embrace the leading edge
  • Operational acumen
  • Distribution plans and connections
  • A long-term vision of success
If that describes your program, we want to talk.
What do you need from us to evaluate a program?
A short overview of the product, distribution model, target risk profile, historical performance (if any), and how you plan to operate underwriting/claims/servicing. We'll align on structure, controls, and reporting.
How do you think about underwriting authority and controls?
We define authority and referral thresholds up front, document program standards, and establish a cadence for audits/controls so governance stays consistent as the program scales.
What does "transparent reporting" mean in practice?
A shared reporting cadence (loss ratio, trends, production, exceptions) that supports joint decisions—pricing, underwriting changes, control updates, and operational improvements.
What's the fastest path to launch?
Clarity early: objectives, distribution, product mechanics, and operating model. When those are aligned, we can move quickly through rates/forms, controls, and integration in parallel.
Next Step


Let's talk about your next Property & Casualty program

Whether you're exploring auto, home, renters, specialty lines, or any other P&C need, we'll help you structure the program and build an operating cadence that stays steady as you scale.


Call / Contact Lumos View L&H Solutions View Credit Protection