☰Luzern Risk is an AI-native captive manager that designs and runs insurance programs built around your business. The whole lifecycle sits in one place. Planning and feasibility, formation and licensing, and the ongoing management of the insurance company you own, at one flat rate. Luzern is fully independent; we are not owned by any brokerage. This means we act in the best interest of your program, and can work with any existing broker relationship you may have. Every Luzern captive runs on our platform, which holds the captive’s complete picture, financials, claims, policies, and filings, updated continuously and visible to you rather than being siloed with third parties.
Our clients range from publicly traded companies to small businesses with big insurance needs. Our working style and operating system make things easier for a CFO, risk professional, or legal team managing the insurance function. The service standard is best said by a client: "Luzern Risk treats our captive like an asset, as it should be, not a back-office function."