Beacon of strength.
Harbor of trust.
Underwriting with agility and discipline.
Clarity in E&S Property. Powered by data.
Underwriting that keeps up with brokers.
Partnering with dynamic capital partners to provide creative solutions for catastrophe-exposed and hard-to-place property risks
We are Luminor
We bring specialized E&S property capacity to CAT-exposed and hard-to-place risks, reflecting our rigorous underwriting controls and long-term commitment to disciplined specialty risk solutions.
Who we are
Offerings
Claims
Why choose us
We’re built for the wholesale market: clear appetite, decisive triage, and consistent terms. Luminor combines experienced underwriting leadership with a modern analytics platform — delivering speed without sacrificing rigor, and transparency without adding friction.
Wholesale-only.
Breadth of appetite.
Efficiency without sacrificing quality.
Backed by capital providers you can trust.
Enhanced by technology.
What we offer
Luminor Risk is an independent, analytics-driven MGA focused exclusively on the U.S. E&S commercial property space, with emphasis on catastrophe-exposed and hard-to-place risks including named windstorm, earthquake, flood and severe convective storm. All products are offered exclusively through the wholesale brokerage channel. Our objective is to deliver capacity on a consistent basis, provide disciplined underwriting and exceptional and quick customer service.