A captive can be used to insure the risks most important to your business, especially those where the cost of your premium is well above your claims.
Program Set Up
Consult with experts to design program strategy, coverages, limits, policy structure, fronting and reinsurance arrangements, actuarial analysis, and regulatory considerations
Property & Casualty
Stabilize premiums for increasingly expensive lines of coverage
Health & Benefits Stop Loss
Control costs for coverages like disability, life, dental/vision, and medical stop loss that face rising premiums despite good loss ratios
Financial Risks
Professional Liability (E&O), Directors and Officers (D&O), Fidelity, Employment Practices (EPL), and other regulatory or reputational risks
Our Process
Owning your own insurance has major perks:
Policy Customization
Tailor policies and product offerings to fit the unique needs of your insureds
Capture Profits
You know your business best. Take advantage of a well performing book to earn underwriting profit along side the carriers.
Innovation Support
Use captive profits to increase stickiness with insureds through innovative risk managment solutions
Plan
AI, data, and our experts combine to provide an upfront, easy-to-understand assessment, followed by a comprehensive proposal.
Form
We manage all legal, tax, and regulatory processes required for formation and onboarding to streamline the experience.
Manage
Our staff handles the entire administrative burden so that your team can focus less on insurance and more on your growing business.
Beyond
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Our Services
Step 1
Plan
AI, data, and our experts combine to provide an upfront, easy-to-understand assessment, followed by a comprehensive proposal.
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.
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.
