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Luzern Risk

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AI-native platform to form and manage captive insurance

New York City, United StatesFounded 2023Fintech

Valuation $250–500M Last recorded · 2026

Headcount <100 Current team size

Total funding $50–100M Disclosed equity funding

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About Luzern Risk

Luzern Risk (formerly XN Captive) is a New York insurtech that makes captive insurance accessible to mid-market companies via an end-to-end digital platform and captive-management services—evaluating whether a captive makes sense, forming the vehicle (domicile, fronting, reinsurance, governance) and running ongoing policy, claims, accounting and compliance work. Founded in 2023 by CEO Gabriel Weiss and Jonathan York, Luzern combines traditional captive expertise with AI-native software so businesses facing rising commercial premiums can self-insure and expand into alternative risk transfer. After a Caffeinated Capital-led seed and a $12 million Series A in 2025, Luzern raised a $45 million Series B in September 2026 led by Insight Partners with Trust Ventures and Caffeinated Capital returning, to advance the platform, systematise operations and broaden alternative-risk offerings. Sources: VentureBurn 18 Sep 2026; Axios Fintech 17 Sep 2026.

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At a glance

Status: Operational
Founded: 2023
Headquarters: New York City, United States
Employees: 37
Open positions: None listed
Dealroom signal: 89.5/100
Industry: Fintech
Sub-industry: Insurance
Sector: Fintech
Client focus: b2b
Links: Website LinkedIn

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Funding history

1 recorded event

Company financing events and reported valuations.

Deal type	Date	Amount	Valuation	Investors	Source
EARLY VC✓Equity / VC	Mar 2025	$12M	$46M	Caffeinated Capital	↗

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Growth signals

Luzern Risk website traffic

Latest recorded traffic for Luzern Risk is 2.5K monthly website visits, up 31.6% over the last three months. Luzern Risk's team grew 37% over the past year.

Latest monthly visits2.5K 3-month web change+31.6% 1-year team growth+37%

Monthly website visitsJan 2024–Jul 2026

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