"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."
"Our previous manager treated the captive like a back-office function. Luzern treats it like an asset."
VP Risk, Commercial Real Estate
"Luzern empowers us to work the way we want to work; seamless and flexible, with clarity every step of the way."
CEO, Cyber Security Firm
Warning Signs
Is Your Captive Working As Hard As You Are?
Underperforming captives share common symptoms. If any of these feel familiar, your captive may have room to grow.
You renew the same program every year
Annual renewal has become “check-the-box.” No one is proactively assessing changes to your captive structure or policies. The captive’s scope no longer reflects your current risk profile.
Gap between business and coverage is growing
Your business has grown or changed direction, yet you're still writing the same few lines. Coverage you need is unavailable or prohibitively expensive in the commercial market.
You're paying unnecessary fees
You might be paying for reinsurance or fronting arrangements that were necessary at launch but are now redundant. Tax planning may be outdated.
Capital is underutilized
Captives can suffer from too much trapped capital. Capital requirements are heavily domicile-dependent and should be assessed at each new chapter.
Your captive manager falls short
Delayed reports, recurring errors, unanswered questions signal deeper operational issues. By the time problems become obvious, the damage is done.
Claims not handled efficiently
Poorly handled claims are more expensive. If you can't answer "What's our average time to close?" the claims function may have slack.
Captive absent from strategic conversations
Your captive can be a source of innovation and competitive advantage. If insurance only comes up as a compliance item, you may be leaving money on the table.
The Luzern Advantage
What Modern Captive Management Looks Like
White-Glove Service
A dedicated Client Advisor coordinates every aspect of captive operations so oversight is effortless. Expect responses within hours, not days or weeks.
Digital Platform
A central hub with live financials, custom reporting, and AI-powered insights. Integrated with your service providers for a seamless experience.
Proactive Vision
Team and technology geared to stay ahead of emerging risks, spot new opportunities, and deliver board-ready and audit-ready reports before you have to ask.
Flexible Solutions
Diverse experience across lines of risk, industries, and captive structures. Custom solutions to meet your needs and goals. Integrate existing service providers.
The Luzern Platform
Your Captive at Your Fingertips
A modern digital platform designed to give you full visibility and control over your captive.
Digital Experience
Full access to your captive operations online. No chasing emails or waiting for quarterly reports.
Interactive Tools
Model scenarios and explore your captive's potential before making decisions.
Deep Analytics
Real-time reporting to track results and maintain compliance. Live dashboards replace static spreadsheets.
Service Integration
All professional services streamlined into one platform. One login for complete visibility.
We handle the transition so you can focus on your business. The process can be completed in as little as 30 days.
1
2
3
4
1
Stage 1
Initial Conversation
No-obligation call to discuss your current situation and goals.
2
Stage 2
Comprehensive Review
Thorough review of existing captive structure, financials, and service agreements.
3
Stage 3
Customized Proposal
Detailed recommendations and a transition plan tailored specifically to your captive.
4
Stage 4
Onboarding
Smooth handoff with current managers to guarantee uninterrupted operations.
The Luzern Model
One Platform. Nine Services. Complete Control.
These are the nine specialize trades that are required for success captive operation. We’ve engineered them into a single digital platform. If you would like to keep any of your current trusted service providers, our system is designed to incorporate them.
Management
Dedicated Client Advisor, proactive communication, white-glove service
