# Luzern Risk

> Luzern Risk is an independent captive insurance manager combining specialist services with an AI-native digital platform. It helps businesses and brokers assess, form, and operate licensed insurance companies owned by their insureds, bringing financials, claims, policies, and compliance into one system.

- **Founded:** 2023
- **Headquarters:** New York, United States
- **Founders:** Gabriel Weiss (CEO & Co-Founder), Jonathan York (CTO & Co-Founder), Sam Espinosa (CMO & Co-Founder)
- **Products:** Captive formation, Captive management, Luzern platform, Model a Captive, Broker partnerships
- **Notable:** Announced a USD 12 million Series A in April 2025., Announced a USD 45 million Series B in September 2026., Rebranded from XN Captive to Luzern Risk in 2025.

## Products & services

- **Captive formation** — Program review, actuarial feasibility, structure and domicile selection, regulatory approval, and licensing.
- **Captive management** — Flat-rate services covering accounting, actuarial, legal and tax, fronting and reinsurance, claims oversight, investments, advisory, operations, and regulatory compliance.
- **Luzern platform** — Live financials, claims dashboards, policies and documents, electronic signing, scenario modeling, compliance workflows, role-based access, and API integration.
- **Model a Captive** — Free seven-question interactive tool presenting six years of estimated captive performance; an initial model rather than formal feasibility approval.
- **Broker partnerships** — Formation and management support, sales tools, and training while brokers keep their client relationship and broker-of-record role.
- **MGA programs and domicile changes** — Custom captive structures for program businesses and support for captive redomestication.

## Achievements

- Announced a USD 12 million Series A in April 2025.
- Announced a USD 45 million Series B in September 2026.
- Rebranded from XN Captive to Luzern Risk in 2025.
- Added former Marsh Captive Solutions president Ellen Charnley as founding advisory-board member in June 2026.

## Latest updates

- **2026-09** — Announced a USD 45 million Series B led by Insight Partners to expand the platform and AI, systemize operations, and broaden alternative-risk options.
- **2026-06** — Ellen Charnley joined as founding member of the advisory board.

## Links

- Website: https://www.luzernrisk.com
- LinkedIn: https://www.linkedin.com/company/luzern

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Profile page: https://yespress.io/luzern-risk
Published by YesPress — https://yespress.io
Last updated: 2026-10-04