Start a captive.
Own your insurance.

Transform risk into a strategic asset with modern captive solutions that deliver control, cash flow, and long-term value.

Try The Captive Simulator

What's This?

This tool instantly assess your captive fit, then provides an customizable captive simulation with 5 years of projected financial performance.

How It Works

9 professional services
all in one place.

Learn More

a graphic design with all services depicted: Accounting, actuary, advisory, claims, investment, legal, management, regulatory, reinsurance

7,000+

captives worldwide

90%

of the Fortune 500 have at least 1 captive

Our Process

5 easy steps to streamline the captive process.

Assess

Take the Quiz to break down your current insurance circumstances and identify your captive potential.

Meet

Connect with the Luzern team to review your Quiz results and discuss your captive options.

Plan

Submit detailed insurance information to our actuaries to initiate the feasibility study and captive business plan.

Review

Discuss the results of the feasibility study with the XN team to finalize the details and prepare for filing

Launch

Approve the submission of your captive business plan and wait for state regulator approval!

Our Platform

Management Dashboard

Monitor financial health, surplus trends, and compliance metrics with a real-time dashboard offering complete captive performance visibility.

Interactive Tools

Model scenarios, adjust key assumptions, and visualize projected captive performance to support more informed and strategic insurance decisions.

Data & Documents

Centralized, secure access to key documents, like policies, statements, and tax files, with easy sharing, viewing, and download capabilities.

Claims Integration

Track claims, loss development, and reserve metrics with visual tools and reports for clear, real-time performance oversight.

User dashboard showing captive performance graph

Clarity

We remove complexity to clarify your risks, options, and potential return.

Intelligence

We deliver the tools and insights to take control of your insurance.

Flexibility

Our world-class experts design and deliver the perfect captive solution.

Control and Flexibility

Turns Expense into Asset

Faster, Easier Claims

Smarter Risk Management

Revenue Opportunity

Stabilizes Insurance Spend

Video

Renting vs Owning

A short video about captives, and how Luzern Risk can help your business plan, form, and manage them.

Watch the video

More resources

Article

What Is Captive Insurance?

Discover captive insurance: a strategic approach to risk management.

Read now

More resources

Report

2024 CFO Report: Captive Insurance

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.

Get the Ebook

More resources

Tool

Loss Simulator

Discover how basic reinsurance policies can support a captive, interact with each other, and distribute losses across various scenarios.

Try it out

More resources

Webinar

DeRisking The MGA Model with Luzern Risk

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.

Try it out

More resources

Already have a captive?

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Join Us

Start a captive.Own your insurance.

Start a captive.
Own your insurance.