☰Luzern Risk is an AI-native captive manager that designs and runs insurance programs built around your business.
Luzern manages it like an asset.
Our system drives better decisions and more value from the risk you know best.
Luzern's full-service model integrates risk expertise with technology to plan, form, and manage custom captive solutions efficiently.
Model the financial opportunity and compare options, backed by experts who evaluate, plan, and form the perfect structure.
Model a Captive →Bring your captive onto live financials, integrated operations, and a team built to actively manage performance.
Evaluate Your Captive →Build, service, and improve captives for your clients with Luzern's technology and experts behind you.
Join Our Broker Network →From new captives to existing programs, see how companies use Luzern to take greater control of their risk and its economics.
Traditional management fragments expertise, data, and responsibility. We bring it all together and manage around your preferences.
Luzern Risk treats our captive like an asset, as it should be, not a back-office function.
CEOCommercial real estate firm with $1B+ in insured property
It's been a breath of fresh air to know that we're getting the right information, and have people who care working on our captive. The Luzern team has been fantastic.
PresidentHealthcare operator in skilled nursing
Luzern empowers us to work the way we want to work; seamless and flexible, with clarity every step of the way.
CEOCyber insurance & warranty provider
I've worked with a handful of different captive managers, and by far this has been the best experience.
PresidentMedical stop-loss program manager
Captives reward businesses with good risk management. We build and run programs across industries and lines of risk.
Having up-to-date captive information at the click of a button drives better decision making.
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Robert Pegg, director of captive consulting at Luzern Risk, on how captives can help you retain and grow your business.
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Explore captive insurance reinsurance strategies. Learn about Excess of Loss, Aggregate, and Quota Share policies. Understand how reinsurance protects captives from major losses.
Read More →A captive is a licensed insurance company, typically owned by the business it insures. Premiums otherwise paid to an insurance carrier are paid to the captive instead. This allows the captive's owner to hold and invest risk capital, use it to pay claims as they arise, and keep the surplus as profit.
Premium and starting capital are needed to launch your captive insurance company; these are not pure expenses in the common sense. They are held on the captive's balance sheet and invested while claims develop. There are more traditional operating expenses involved in forming the entity and running it, just like any business. Luzern's service and pricing model replace the patchwork of vendor fees with one flat rate that includes every specialized trade you need to plan, form, and manage a captive.
Depending on the captive structure, coverage, and your loss profile, a captive can be viable with as little as $100,000 in premium, or may need well over $1 million before it makes financial sense. The Captive Simulator can illustrate this dynamic quickly, or you can speak with our team for a read on your specific circumstances.
Strategic planning and a formal Feasibility assessment can often be measured in weeks, with pace set by how quickly your data can be made available. Luzern can form a captive in less than 30 days from initial kickoff to licensed. However, the process can take much longer in certain circumstances. Allowing 3 to 6 months before your renewal keeps every option open and timelines comfortable.
Yes. Changing managers is a simple transfer of records and responsibilities rather than any necessary change to your program. Most transitions complete in 4 weeks with no interruption to the current operation. Switching to Luzern gives you instant access to our technology platform and client advisor service model.
You stay broker of record and keep the client relationship; we build and run the captive behind you. Brokers choose to work with Luzern for custom solutions, independent advice, world-class client service, and a technology stack to qualify opportunities and serve as a captive operating system to keep them connected to their clients.
Regular commentary on risk capital, how the insurance industry is changing, and the essential role that captives play.
