Luzern Risk

Luzern integrates insurance expertise into a modern platform that streamlines captive strategy, formation, and management, giving businesses the power to control their insurance future.

Luzern Risk

1115 Broadway, Floor 12

New York, New York, 10010

Tel: 228.369.1016

Profile:

Luzern Risk is a next-generation captive advisory and management firm that helps organizations transform insurance from a cost center into a financial engine. Our mission is to empower CFOs, brokers, and business leaders with the tools, insights, and strategic guidance to own their risk, unlock retained profits, and build enduring enterprise value.

We specialize in the full lifecycle of captive insurance—from ideation and structuring to regulatory navigation and ongoing management—delivered through a modern, tech-enabled platform that simplifies captive complexity.

In an era where the traditional insurance model is failing its customers through rising premiums, shrinking coverage, and opaque pricing, Luzern equips forward-thinking businesses with an alternative: building their own licensed insurance company, or “captive.” This model enables clients to design bespoke policies, retain underwriting profits, and reinvest surplus capital into their core business—all while gaining greater control over claims, compliance, and emerging risk.

What sets Luzern apart is not just insurance expertise and technical fluency, but our cross-disciplinary DNA. Our team brings together deep insurance experience from firms like Marsh, AIG, and Brown & Brown, alongside capital markets expertise from institutions such as Bridgewater Associates. This hybrid perspective allows us to advise not only on captive viability, but also on broader financial strategy, treasury optimization, and operational leverage.

Luzern serves both direct clients and partners across the insurance ecosystem—working closely with brokers, MGAs, TPAs, actuaries, and risk advisors. For brokers, we unlock sticky revenue, increase client retention, and provide a clear path to value-added advisory. For clients, we deliver end-to-end support that demystifies the captive journey and accelerates results.

Our areas of expertise span traditional lines such as general liability, workers’ compensation, and property insurance—as well as emerging coverages like cyber liability, professional liability, employee benefits, and even third-party risk.

Luzern’s platform centralizes every aspect of the captive operation—offering digital tools for performance monitoring, automated compliance, AI-powered insights, and financial reporting. Our interactive tools, feasibility simulations, loss retention calculators, and premium profit modeling tools ensure clients and partners can plan with clarity and confidence.

At Luzern, we build strategic risk infrastructure that scales with your business. Whether you’re evaluating your first captive or optimizing an existing one, Luzern is the partner to guide you from concept to compounding results.

Visit www.luzernrisk.com to learn more, or contact us at info@luzernrisk.com to explore what owning your insurance could mean for your bottom line.

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