Lucid Insurance
Transparent, technology-driven commercial MGA serving the middle market
Overview
Lucid Insurance Group is a commercial property and casualty MGA and specialty wholesale broker focused on middle-market accounts. Founded in November 2023 and headquartered in Omaha, Nebraska, the company distributes its programs through independent brokers and wholesale channels targeting businesses in agricultural, manufacturing, warehousing, retail, and hospitality sectors.
The company writes workers compensation and commercial property lines in partnership with admitted carriers. Stonetrust provides workers compensation capacity, and Lucid integrates AI-powered underwriting tools from Convr to enable straight-through processing of submissions. Its binding authority covers both property and casualty lines for middle-market risks.
Lucid operates at the seed stage with approximately ten employees and a USD 295K equity raise as part of a USD 500K offering. Growth is driven through broker network expansion and specialty program launches, including the Parlor program for dairy farm operations introduced in September 2025.
Products & Services
Parlor
A commercial insurance program designed specifically for dairy farming operations, introduced in September 2025. Parlor provides coverage tailored to the operational risks unique to dairy farms.
Key Features
- Property coverage for farm structures and equipment
- Agricultural liability
- Specialized livestock coverage
Target Users: Dairy farmers and agricultural producers
Distribution: Wholesale brokers and independent agents
Workers Compensation
A workers compensation program underwritten in partnership with Stonetrust, launched February 2025. Targets small and mid-market employers across covered industries.
Key Features
- Employer liability
- Statutory workers compensation benefits
- Return-to-work support
Target Users: Small to mid-market commercial businesses
Distribution: Wholesale and retail agent channels
Commercial Property
Property and casualty insurance for middle-market commercial enterprises, with AI-assisted underwriting delivered through the Convr platform. Achieves straight-through processing for qualifying submissions.
Key Features
- Commercial property coverage
- General liability
- AI-driven risk assessment and pricing
Target Users: Middle-market commercial accounts in manufacturing, warehousing, retail, and hospitality
Distribution: Wholesale brokers and independent retail agents
At a Glance
- Founded
- 2023
- Headquarters
- Omaha, Nebraska
- Employees
- 11-50
Category & Focus
Links
Last updated: 2026-06-16