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Start a captive.
Own your insurance.

Transform risk into a strategic asset with modern captive solutions that deliver control, cash flow, and long-term value.

Try The Captive Simulator
What's This?
How It Works
9 professional services
all in one place.
Learn More
a graphic design with all services depicted: Accounting, actuary, advisory, claims, investment, legal, management, regulatory, reinsurance
7,000+
captives worldwide
90%
of the Fortune 500 have at least 1 captive
Our Process
5 easy steps to streamline the captive process.
Assess
Take the Quiz to break down your current insurance circumstances and identify your captive potential.
Meet
Connect with the Luzern team to review your Quiz results and discuss your captive options.
Plan
Submit detailed insurance information to our actuaries to initiate the feasibility study and captive business plan.
Review
Discuss the results of the feasibility study with the XN team to finalize the details and prepare for filing
Launch
Approve the submission of your captive business plan and wait for state regulator approval!
Our Platform
Management Dashboard
Monitor financial health, surplus trends, and compliance metrics with a real-time dashboard offering complete captive performance visibility.
Interactive Tools
Model scenarios, adjust key assumptions, and visualize projected captive performance to support more informed and strategic insurance decisions.
Data & Documents
Centralized, secure access to key documents, like policies, statements, and tax files, with easy sharing, viewing, and download capabilities.
Claims Integration
Track claims, loss development, and reserve metrics with visual tools and reports for clear, real-time performance oversight.
User dashboard showing captive performance graph
Our Difference
The modern insurance experience you deserve.
Clarity
We remove complexity to clarify your risks, options, and potential return.
Intelligence
We deliver the tools and insights to take control of your insurance.
Flexibility
Our world-class experts design and deliver the perfect captive solution.
Captive Benefits
Owning your own insurance has major perks:
Control and Flexibility
Turns Expense into Asset
Faster, Easier Claims
Smarter Risk Management
Revenue Opportunity
Stabilizes Insurance Spend
Videos
Articles
Reports
Tools
Webinars
Video
Renting vs Owning
A short video about captives, and how Luzern Risk can help your business plan, form, and manage them.
Watch the video
More resources
Article
What Is Captive Insurance?
Discover captive insurance: a strategic approach to risk management.
Read now
More resources
Report
2024 CFO Report: Captive Insurance
This report surveys 600 CFOs and risk managers to understand the rising impact of captives across the insurance landscape, and what it signals for the future.
Get the Ebook
More resources
Tool
Loss Simulator
Discover how basic reinsurance policies can support a captive, interact with each other, and distribute losses across various scenarios.
Try it out
More resources
Webinar
DeRisking The MGA Model with Luzern Risk
Join the Luzern Risk team and InsurTech NY as we explore how captives are becoming essential for MGAs aiming to de-risk and optimize their business models.
Try it out
More resources
Already have a captive?
Book a call
Quick Links
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Contact Us
Get In Touchinfo@luzernrisk.compress@luzernrisk.com
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