No Result
View All Result
SUBMIT YOUR ARTICLES
  • Login
Wednesday, October 29, 2025
TheAdviserMagazine.com
  • Home
  • Financial Planning
    • Financial Planning
    • Personal Finance
  • Market Research
    • Business
    • Investing
    • Money
    • Economy
    • Markets
    • Stocks
    • Trading
  • 401k Plans
  • College
  • IRS & Taxes
  • Estate Plans
  • Social Security
  • Medicare
  • Legal
  • Home
  • Financial Planning
    • Financial Planning
    • Personal Finance
  • Market Research
    • Business
    • Investing
    • Money
    • Economy
    • Markets
    • Stocks
    • Trading
  • 401k Plans
  • College
  • IRS & Taxes
  • Estate Plans
  • Social Security
  • Medicare
  • Legal
No Result
View All Result
TheAdviserMagazine.com
No Result
View All Result
Home Market Research Startups

Luzern Risk Raises $12M to Modernize Captive Insurance for Mid-Market Businesses – AlleyWatch

by TheAdviserMagazine
6 months ago
in Startups
Reading Time: 5 mins read
A A
Luzern Risk Raises M to Modernize Captive Insurance for Mid-Market Businesses – AlleyWatch
Share on FacebookShare on TwitterShare on LInkedIn


The commercial insurance landscape presents significant challenges for mid-market businesses, with many facing unpredictable premium increases, coverage restrictions, and a frustrating lack of control over their risk management strategy. While Fortune 500 companies have long leveraged captive insurance solutions—a form of self-insurance where a company creates its own insurance subsidiary to manage risks and potentially generate profits from underwriting—to convert insurance from an expense into a strategic asset, the complexities of formation have kept this powerful tool out of reach for most mid-market companies. Luzern Risk has created the first fully integrated, digital captive insurance platform specifically designed for the underserved middle market. Luzern combines decades of insurance expertise with modern technology to deliver a seamless experience for evaluating, forming, and managing captives—giving businesses the power to take control of their insurance future. The platform replaces an opaque and cumbersome formation process with an intuitive digital system designed for clarity, ease of use, and long-term growth.

AlleyWatch sat down with Gabriel Weiss, CEO and Cofounder of Luzern Risk, to learn more about the business, its future plans, and recent funding round.

Who were your investors and how much did you raise?$12M Series Al; Caffeinated Capital.

Tell us about the product or service that Luzern Risk offers.

Luzern helps businesses stop renting insurance—and start owning it through captive insurance. Luzern integrates insurance expertise into a modern digital platform that streamlines captive evaluation, formation, and management—giving clients the power to control their insurance future.

What inspired the start of Luzern Risk?

We saw too many good businesses overpaying for underperforming insurance. Meanwhile, Fortune 500s were quietly using captives to turn insurance from an expense into a strategic asset. Luzern was built to close that gap—for the mid-market.

How is Luzern Risk different?

We’re not a black box that insurance customers are used to, including in many cases existing captive owners.  Luzern combines the strategic thinking of a top-tier consultancy with the execution and clarity of purpose-built technology. What we offer is closer to the modern experience that consumers are used to when managing an investment portfolio. The difference being that you sit at a digital command center for your insurance.  We guide clients from concept through renewals with speed, precision, and transparency.

What market does Luzern Risk target and how big is it?

We serve the middle market—companies typically paying $1M+ in commercial premiums—where frustration with traditional insurance is rising fast. This market controls over $200B in commercial premium, yet has historically struggled to access captives—too often held back by the complexity of the process, which overwhelms lean teams lacking the in-house expertise or bandwidth to navigate it confidently.

What’s your business model?

From first ideation through annual renewal, we’ve identified the nine core professional services required to successfully plan, form, and manage a captive. We’ve bundled them into a single, transparent flat rate—so clients never have to guess what’s included or worry about surprise fees. You get everything you need, when you need it, delivered by best-in-class experts from start to finish.

How are you preparing for a potential economic slowdown?

Captives are a hedge against volatility. In uncertain markets, not only can insurance prices spike—but coverage itself can tighten, or disappear without warning. That unpredictability leaves businesses exposed. Captives offer an alternative: more control, more stability, and the chance to decouple your insurance future from the whims of the market. We’re leaning into this moment by making captives more accessible, more intuitive, and more aligned with long-term financial strategy.

What was the funding process like?

Selective. We knew we wanted true partners. We looked for firms that understood the market opportunity and shared our long-term vision. As it turns out, we didn’t have to look far. Caffeinated Capital led our Seed round, and expanded their vote of confidence by leading our Series A. Their support has been instrumental in helping us move quickly, think long-term, and grow with conviction.

What are the biggest challenges that you faced while raising capital?

Captive insurance is relatively unfamiliar to many VCs. Educating investors on a market that lives between finance and insurance required clarity, patience, and proof. Thankfully, we have the team to execute on that front.

What factors about your business led your investors to write the check?

Three things: a massive, overlooked market; a team with deep capability and credibility across insurance, finance, and tech; and a product that delivers.

What are the milestones you plan to achieve in the next six months?

We’re focused on two key areas: scaling operations to meet rising demand while staying obsessively client-focused, and expanding our platform’s analytics suite.

What advice can you offer companies in New York that do not have a fresh injection of capital in the bank?

Operate with discipline, but don’t play scared. Focus on what drives value for your customers, and simplify everything else. In constrained markets, clarity wins.

Where do you see the company going now over the near term?

We’re becoming the go-to platform for captive insurance in the middle market. In the near term, that means building deeper relationships with strategic buying groups—making Luzern synonymous with the future of insurance: risk ownership.

What’s your favorite spring destination in and around the city?

The towns along the Hudson River Valley. There’s something about heading just far enough north to breathe a little deeper and think a little clearer.

NYC Tech Daily Email

You are seconds away from signing up for the hottest list in NYC Tech!

Sign up today



Source link

Tags: 12mAlleyWatchBusinessesCaptiveInsuranceLuzernmidmarketModernizeRaisesRisk
ShareTweetShare
Previous Post

*HOT* Kindle Unlimited Membership Deal: Three Months for $0.99/Month!

Next Post

‘What If He Doesn’t Die?’ Suze Orman Explains The Risk Of Joint Tenancy Without A Trust

Related Posts

edit post
30 Days That Changed My Business: The Net-30 Lesson

30 Days That Changed My Business: The Net-30 Lesson

by TheAdviserMagazine
October 29, 2025
0

The idea that a business lives or dies depending solely on the personal qualities of its founder—innovativeness and grit, for...

edit post
Here are the 5 Startup Battlefield finalists at TechCrunch Disrupt 2025

Here are the 5 Startup Battlefield finalists at TechCrunch Disrupt 2025

by TheAdviserMagazine
October 28, 2025
0

After two days full of live demos and pitches, it’s time to announce the five finalists at this year’s Startup...

edit post
Inside CampusAI’s mission to close the AI training gap for everyday workers — check it out at TechCrunch Disrupt 2025

Inside CampusAI’s mission to close the AI training gap for everyday workers — check it out at TechCrunch Disrupt 2025

by TheAdviserMagazine
October 28, 2025
0

As companies push to increase efficiency and stay competitive, they’re encouraging, or in some cases outright requiring, workers to know...

edit post
Delft-based DAB.bio secures new funding from Navus Ventures and others to advance fermentation technology

Delft-based DAB.bio secures new funding from Navus Ventures and others to advance fermentation technology

by TheAdviserMagazine
October 28, 2025
0

Dutch firm DAB.bio secures new investment from Navus Ventures and Capricorn Partners for the commercialisation of intensified continuous fermentation.ContentlockrDelft-based DAB.bio,...

edit post
Amsterdam-based Legal Mind raises €750K to advance AI platform for lawyers

Amsterdam-based Legal Mind raises €750K to advance AI platform for lawyers

by TheAdviserMagazine
October 28, 2025
0

Dutch startup Legal Mind, the AI-powered platform for legal professionals, has completed funding and appointed two experienced entrepreneurs to oversee...

edit post
The AI Transformation of the Professional Services Industry

The AI Transformation of the Professional Services Industry

by TheAdviserMagazine
October 27, 2025
0

At York IE, we have always believed that the professional services industry is about more than delivering outputs. It is...

Next Post
edit post
‘What If He Doesn’t Die?’ Suze Orman Explains The Risk Of Joint Tenancy Without A Trust

'What If He Doesn't Die?' Suze Orman Explains The Risk Of Joint Tenancy Without A Trust

edit post
Stocks Extend Rally as Trump Softens Stance on Powell, China

Stocks Extend Rally as Trump Softens Stance on Powell, China

  • Trending
  • Comments
  • Latest
edit post
77-year-old popular furniture retailer closes store locations

77-year-old popular furniture retailer closes store locations

October 18, 2025
edit post
Pennsylvania House of Representatives Rejects Update to Child Custody Laws

Pennsylvania House of Representatives Rejects Update to Child Custody Laws

October 7, 2025
edit post
What to Do When a Loved One Dies in North Carolina

What to Do When a Loved One Dies in North Carolina

October 8, 2025
edit post
Another Violent Outburst – Democrats Inciting Civil Unrest

Another Violent Outburst – Democrats Inciting Civil Unrest

October 24, 2025
edit post
Probate vs. Non-Probate Assets: What’s the Difference?

Probate vs. Non-Probate Assets: What’s the Difference?

October 17, 2025
edit post
California Attorney Pleads Guilty For Role In 2M Ponzi Scheme

California Attorney Pleads Guilty For Role In $912M Ponzi Scheme

October 15, 2025
edit post
Mastercard poised to acquire crypto startup Zerohash for nearly  billion, sources say

Mastercard poised to acquire crypto startup Zerohash for nearly $2 billion, sources say

0
edit post
Earnings Preview: What to expect when Amazon reports Q3 2025 results

Earnings Preview: What to expect when Amazon reports Q3 2025 results

0
edit post
Israeli web security co Reflectiz raises m

Israeli web security co Reflectiz raises $22m

0
edit post
2025 Dividend Discount Model | Excel Calculator & Examples

2025 Dividend Discount Model | Excel Calculator & Examples

0
edit post
Grokpedia | Armstrong Economics

Grokpedia | Armstrong Economics

0
edit post
TRON DAO Participates in Europol’s 9th Global Conference on Criminal Finances and Cryptoassets

TRON DAO Participates in Europol’s 9th Global Conference on Criminal Finances and Cryptoassets

0
edit post
Mastercard poised to acquire crypto startup Zerohash for nearly  billion, sources say

Mastercard poised to acquire crypto startup Zerohash for nearly $2 billion, sources say

October 29, 2025
edit post
Coca-Cola Stock Is Already A Great Income Stock. Here’s How To Make It Better.

Coca-Cola Stock Is Already A Great Income Stock. Here’s How To Make It Better.

October 29, 2025
edit post
Jean Chatzky Warns That Emotional Loyalty Can Derail Retirement Planning as 85% of Americans Admit They Would Risk Financial Security to Help Family

Jean Chatzky Warns That Emotional Loyalty Can Derail Retirement Planning as 85% of Americans Admit They Would Risk Financial Security to Help Family

October 29, 2025
edit post
TRON DAO Participates in Europol’s 9th Global Conference on Criminal Finances and Cryptoassets

TRON DAO Participates in Europol’s 9th Global Conference on Criminal Finances and Cryptoassets

October 29, 2025
edit post
Oasis CEO uses AI to create financial plans, stock analyses

Oasis CEO uses AI to create financial plans, stock analyses

October 29, 2025
edit post
Israeli web security co Reflectiz raises m

Israeli web security co Reflectiz raises $22m

October 29, 2025
The Adviser Magazine

The first and only national digital and print magazine that connects individuals, families, and businesses to Fee-Only financial advisers, accountants, attorneys and college guidance counselors.

CATEGORIES

  • 401k Plans
  • Business
  • College
  • Cryptocurrency
  • Economy
  • Estate Plans
  • Financial Planning
  • Investing
  • IRS & Taxes
  • Legal
  • Market Analysis
  • Markets
  • Medicare
  • Money
  • Personal Finance
  • Social Security
  • Startups
  • Stock Market
  • Trading

LATEST UPDATES

  • Mastercard poised to acquire crypto startup Zerohash for nearly $2 billion, sources say
  • Coca-Cola Stock Is Already A Great Income Stock. Here’s How To Make It Better.
  • Jean Chatzky Warns That Emotional Loyalty Can Derail Retirement Planning as 85% of Americans Admit They Would Risk Financial Security to Help Family
  • Our Great Privacy Policy
  • Terms of Use, Legal Notices & Disclosures
  • Contact us
  • About Us

© Copyright 2024 All Rights Reserved
See articles for original source and related links to external sites.

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In
No Result
View All Result
  • Home
  • Financial Planning
    • Financial Planning
    • Personal Finance
  • Market Research
    • Business
    • Investing
    • Money
    • Economy
    • Markets
    • Stocks
    • Trading
  • 401k Plans
  • College
  • IRS & Taxes
  • Estate Plans
  • Social Security
  • Medicare
  • Legal

© Copyright 2024 All Rights Reserved
See articles for original source and related links to external sites.