# Luzern Risk

Startup profile on Capital Atlas: https://capitalatlas.ai/startups/luzern-risk

- Industry: Insurance
- Headquarters: New York, US
- Website: www.luzernrisk.com
- Total disclosed funding: $42M
- Latest round: Series B (Sep 4, 2026)
- Investors on record: 3

## About

Based in New York, US, XN Companies Inc., d.b.a. Luzern Risk, was founded in 2023 by Gabriel Weiss, Jonathan York and Sam Espinosa, and operates as an AI-native captive insurance manager. As of September 2026, the company is led by its CEO, Gabriel Weiss. In September 2026, the company announced a USD 30.5 million Series B funding round led by Insight Partners, with participation from Trust Ventures and Caffeinated Capital, to advance its platform and AI capabilities, systemize operations and extend client options across the alternative risk value chain. Luzern Risk specializes in providing modern captive insurance solutions to businesses, empowering them to manage their own risk and insurance needs effectively. Their core offerings include a streamlined process for establishing and managing captives, integrating a management dashboard, interactive tools for scenario modeling, and centralized document access. These services are designed to transform insurance from a mere expense into a strategic asset, facilitating control and flexibility for clients. Targeting primarily Fortune 500 companies and other organizations across a global market, Luzern Risk addresses the insurance needs of diverse sectors by providing tailored solutions that optimize risk management and financial performance. The revenue model of Luzern Risk is based on a structured service package designed to facilitate the establishment and management of captive insurance programs. Their flagship offerings include a comprehensive XN Package, which encompasses all necessary services within a defined time frame and for a clear, fixed price. Transactions typically occur on a B2B basis, where clients engage Luzern Risk for a managed service experience that significantly reduces the time and complexity involved in launching a captive. The pricing structure includes a commitment of approximately 25 hours from the client, allowing for rapid deployment of services compared to a more traditional approach that may require over 300 hours. This efficiency not only enhances client satisfaction but also positions Luzern Risk as a leader in the captive insurance space. The company plans to use its September 2026 Series B funding to advance its platform and expand its AI capabilities, systemize operations to reduce turnaround times, and provide clients with additional options across the alternative risk value chain.

## Funding rounds

- Series B, Sep 4, 2026, $31M — Insight Partners, Caffeinated Capital, Trust Ventures
- Series A, Mar 12, 2025, $12M — Caffeinated Capital

## Investors

- Caffeinated Capital (https://capitalatlas.ai/funds/caffeinated-capital) — Series A, Series B
- Insight Partners (https://capitalatlas.ai/funds/insight-partners) — Series B
- Trust Ventures (https://capitalatlas.ai/funds/trust-ventures) — Series B