☰Nine specialized disciplines, one all-inclusive rate, and a team that works around you
Luzern delivers the full suite of services needed to form, manage, and evolve captive insurance companies. Every engagement is shaped to the client's situation, from handling the complete scope to working alongside trusted vendors. Our expertise spans industries and lines of risk.
Luzern runs the entire process, and can work beside your advisors
Luzern transitions to your new captive manager without disruption
Luzern is a fully independent captive partner.
We deliver and customize the technology experience for each of our clients and partners. Every program runs on the Luzern platform, with live financials, claims, filings, and modeling in one place.
We make it our business to know you and your captive inside and out, then deliver an ownership experience designed to your needs and preferences.
We own the outcome. Your advisor manages the work and stays with every issue through resolution.
No layers between. Your Client Advisor brings the right person into the conversation.
No more waiting. Every client inquiry receives a response within two business hours.
Luzern provides all nine specialized trades required to build, operate, and improve a captive. Keep providers you value or rely on Luzern for the full scope.
GAAP-compliant reporting, audit preparation, and day-to-day financial management.
Performance benchmarking, reserve analysis, and premium adequacy reviews.
Ongoing tax filing preparation, contract support, and legal compliance.
Capacity negotiation, renewal management, and market monitoring.
Program review and design, day-to-day operations, vendor oversight.
Ongoing claims oversight, TPA performance monitoring, and cost advocacy.
Investment policy design, manager selection, and portfolio monitoring.
Strategic guidance on structure, growth, and long-term captive planning.
Domicile filings, regulator liaison, and ongoing licence maintenance.
Luzern also handles custom programs, complex structures, and transitions that require capabilities beyond standard captive management.
Captives for MGAs, program administrators, and agencies to take risk alongside their book and keep underwriting economics in-house.
Program feasibility & structure
Fronting & reinsurance procurement
Capital & collateral strategy
Underwriting infrastructure & pricing
Claims & TPA oversight
Regulatory licensing & compliance
Moving an existing captive to a new domicile, or redomesticating offshore structures onshore, without operational disruption.
Domicile comparison & selection
Regulator engagement
Redomestication filings
Capital & collateral transfer
Service provider transition
Governance requirements
Everything that keeps a licensed insurance company running: accounting, actuarial, legal & tax, fronting & reinsurance, claims, investments, advisory, and regulatory compliance. You own the company and set the strategy; we operate it. That list is the floor; Luzern adds the strategic layer, proactively bringing forward opportunities on retention, coverage, and capital so the captive runs as an asset, not a set-it-and-forget-it policy.
Depending on the captive structure, coverage, and your loss profile, a captive can be viable with as little as $100,000 in premium, or may need well over $1 million before it makes financial sense. The Captive Simulator can illustrate this dynamic quickly, or you can speak with our team for a read on your specific circumstances.
Weigh the service model (administration versus proactive management), the technology behind it, the fee structure, and independence. The right manager treats your captive as an asset with performance expectations, not a filing calendar.
Loss runs (typically five years), current policies and premium, exposure data, and basic financials: documents that already exist. Luzern can start modeling your opportunity before the full package is complete.
With Luzern, it's one flat rate that includes everything to control and compress costs. The traditional model often bills you through a patchwork of vendors, with a la carte fees for certain services, which is how scope and cost creep into a program year after year.
No. Building out the back-office infrastructure to manage a captive often requires multiple specialized hires, involves key-person risk, and carries a payroll commitment that easily outweighs the cost of outsourcing management. By working with a manager like Luzern, you get a team of dedicated experts, supported by technology, to do all the heavy lifting.
Regular commentary on risk capital, how the insurance industry is changing, and the essential role that captives play.
