Grow your book with Luzern captives.

No. You stay broker of record on the commercial placements, you own the relationship, and you lead the conversation; Luzern builds and manages the captive behind you. Most captive owners still buy commercial coverage where the market prices it well, so the placement work continues.

What the captive changes is account durability. A client with a captive is a client with an asset attached to your relationship, and captive accounts renew with the trusted advisor who brought them the idea. The opposite is also true: a captive conversation is likely already happening in your book whether you know about it or not. The advisors who take a proactive approach are in the best position to protect their book.

You keep your commercial-lines compensation. The economics of the captive engagement itself can vary based on the structure, but Luzern prioritizes having those conversations up front.

The financial logic for your book is retention economics as much as new revenue. Accounts with captives move less, renew more predictably, and expand as the captive grows into new lines. The placement work around a captive program, excess layers, fronting relationships, remaining commercial lines, is often just as robust as the program it replaced.

Generally speaking, accounts with $1M+ in annual premium and favorable loss ratios tend to be better suited. Start with the clients whose rate increases are consistently outsized relative to their loss profile.

You do not need to screen your book by hand. Luzern has built a tool designed specifically for brokers to assess client opportunities in minutes. Our team will work with you to develop a short list, then prepare informed financial models that help you start the captive conversation with confidence.

Luzern leads day one captive strategy through annual renewal. That includes upfront financial modeling to determine qualification, feasibility studies, formation workflows, regulatory communications and approvals, governance and compliance duties, and the day-to-day management of the captive. We integrate all nine specialized trades with one flat rate to control and compress costs. However, if a client has preferred vendors, partners, or service providers, we are happy to integrate them into the program. You know the client and the market, we know how to form and operate insurance companies.

In practice, it feels less like a handoff and more like a partnership. We are your captive operating system that allows you to focus on what you do best. You stay in the important conversations, and the captive's live platform view includes broker access so you know where the program stands at all times. You or your client also never needs to build an internal insurance department or back office function to own a captive; Luzern carries the expertise and operating load to reduce the lift and optimize costs. Luzern is a fully independent manager, with no brokerage commitments to bias our advice. We do what's best for the client and the captive.

We equip you with real numbers, free of charge. Meet with our team to review your client's insurance program and ask questions. Even with limited information, we can develop an initial view on the captive opportunity. With more data, Luzern can produce detailed financial models and structural recommendations. Then when you're ready, we provide the tools and materials you need to have a clear conversation with the client. We often join these discussions alongside the broker to bring the concepts home.