LUMINOR RISK
Our Offerings
What we offer
Luminor provides E&S commercial property solutions for catastrophe-exposed and hard-to-place risks, delivered solely through wholesale brokers. We offer primary and structured excess capacity with disciplined underwriting and clear, responsive execution.
Target Occupancies
Our appetite centers on technically underwritten occupancies where catastrophe exposure is meaningful but manageable — and where disciplined analytics, inspection insights, and class-based experience can produce durable outcomes.
- Commercial Real Estate
- Municipalities
- Schools (Public & Private)
- Institutional Risks
- Hospitality Risks
- Condominiums
- Apartments (primarily excess)
- Light Manufacturing & Warehousing
Non-Eligible Risks
- Wood products manufacturing
- Poultry & food processing
- Rail Risks
- FDA regulated warehousing
- Recyclers, mining, metals, foundries
- Petrochemical, oil & gas operations
- Transmission & distribution lines
- Heavy manufacturing
- Cannabis
- Crypto-mining operations
- Unprotected & severely distressed risks
Product and Capacity Offering
Offering up to 25M of lead or follow capacity on a primary, buffer excess and quota share basis, focused on all risk and CAT named peril(s).
Distribution
- Wholesale only. We trade exclusively through the wholesale channel maintaining alignment with our broker partners.
Luminor Risk, LLC is a wholesale-only MGA, partnering exclusively with select wholesale brokers nationwide.
We are committed to protecting distribution integrity and maintaining alignment with our broker partners.
If you are a wholesale broker interested in appointment, please contact:
brokerappointment@luminorrisk.com