☰You made a smart decision by forming a captive. Are you getting its full strategic benefit today?
More work for your team, missing information, and a captive that hasn't kept pace with your business.
The captive work that sits with your team feels like co-managing it.
Information follows reporting cycles, not your needs. Issues surface late.
Manual reviews surface errors, issues repeat, and regulators flag problems.
The captive has not evolved to keep pace with your business or its risks.
Email, spreadsheets, and PDFs instead of modern, repeatable workflows.
If any of these feel familiar, there may be room to grow.
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
Less work for your team, faster information, and a captive that keeps pace with your business.
A captive run as a financial asset instead of a static insurance policy.
Strategic involvement only. Your manager handles the coordination and execution.
Real-time access to financials, claims, data, and reporting when you need it.
Accurate and timely records and reporting. Routine audits and filings are routine.
Tools and insights to model your risks, opportunities, and capital strategy.
One integrated platform with clear, repeatable workflows built around your needs.
There are 9 specialized trades required to run a captive. We've engineered them all into one coordinated operation to drive performance.
A dedicated Client Advisor coordinates and executes the entire process to ensure minimal lift for your internal team and no operational interruptions.
Most transitions can be completed in 4 weeks.
Data collection
Strategic review
Documentation
Regulatory approval
Typically policies, agreements, claims, records, and governance documents. We evaluate your strategy and recommend adjustments.
All transition activity is managed by your Client Advisor and communicated to you through a standing call.
Your captive moves onto one integrated system, with reporting and workflows configured around your needs.
Yes, and the process can be seamless: a transfer of records and responsibilities rather than a program change. The process can be completed in less than 4 weeks.
There are many. You can issue dividends to shareholders, lend it back to the business, fund more risk retention, reinvest in loss reduction, or even go on offense with new programs. Idle surplus is among the most common findings in captive reviews.
Usually, yes. Many captives are underutilized, and premium from one line can support the losses of another, so each addition tends to be more capital-efficient than the last.
Yes: between states, onshore from offshore (redomestication), or offshore where a program calls for it. Luzern runs a defined regulatory process from end to end.
Retention against surplus, structure fit, trapped capital, tax position, and risk transfer costs, plus whether the captive has kept pace with the business.
Regular commentary on risk capital, how the insurance industry is changing, and the essential role that captives play.
