Clear accountability
One responsible team coordinates analysis, underwriting, documentation and delivery.
German Corporate & Specialty Insurer
Complex risks.Precisely protected.
Direct insurance and reinsurance, risk engineering and programme management for industry, infrastructure, trade and international corporate groups.
Integrated delivery model
Insurance, risk engineering and programme management coordinated by one lead team.
Assessment begins with asset values, earnings dependencies, contracts, local requirements and existing cover. These inputs define a transparent structure of prevention, retention, insurance and partner capacity.
Evidence-based structure
Limits, retentions and wording are derived from exposure and loss scenarios.
Prepared claims response
Prevention, claims protocols and recovery planning are agreed before inception.
Company & authorised scope
Regulated in Germany. Built for complex corporate risk.
Lucura Versicherungs AG is a German stock corporation authorised to conduct direct insurance and reinsurance and supervised by BaFin. Its business scope encompasses industrial property and financial risks together with international programme management.
Registered officeLudwigshafen am Rhein
RegisterHRB 5267
SupervisionBaFin
BusinessDirect insurance and reinsurance
Insurance classes
The authorised business scope.
BaFin authorisation covers seven non-life insurance classes. Direct insurance, reinsurance and intermediation are governed by the company’s registered corporate purpose.
Selected insurance class
Goods in transit
Cover structures for goods in transit, temporary storage and cross-border supply chains.
Assessment focus
TransitTemporary storageSupply chain
Signature Solutions
Eight core solutions for industry, trade and transactions.
The selection combines authorised insurance classes with risk engineering, programme management and specialty capacity. The complete portfolio follows below.
Complete product architecture
The complete service portfolio at a glance.
Six areas bring together 25 specific services. Each item describes its use case and delivery model.
Corporate & Specialty Risks
Protection for physical assets, technology, liability and operational continuity.
7 Services+
Corporate & Specialty Risks
Protection for physical assets, technology, liability and operational continuity.
Industrial Property & Business Interruption
Sites, plant, earnings and supplier or customer dependencies.
Delivery modelDirect insurance, co-insurance or reinsurance within authorised classes.Construction & Engineering
CAR/EAR, DSU/ALOP, testing, commissioning and maintenance.
Delivery modelProject cover with specialty capacity.Energy & Renewables
Technical risk and revenue loss through construction and operations.
Delivery modelSpecialty cover with technology and reinsurance partners.Marine Cargo & Logistics
Cargo all risks, stock throughput, project cargo and marine DSU.
Delivery modelDirect underwriting or international partner solution.General, Product & Environmental Liability
Liability arising from operations, products, environment and global business.
Delivery modelLiability programme with local co-insurance where required.Financial & Professional Lines
D&O, E&O, crime and employment practices liability.
Delivery modelSpecialty capacity with coordinated international policy wordings.Cyber & Technology
Cyber business interruption, incident response, data restoration and privacy liability.
Delivery modelInsurance supported by a network of security, forensic and legal specialists.Trade, Credit & Surety
Make receivables, financing and contractual performance more predictable.
5 Services+
Trade, Credit & Surety
Make receivables, financing and contractual performance more predictable.
Trade Credit Insurance
Whole-turnover, key-account, single-buyer and transactional cover.
Delivery modelCredit insurance; collections via registered partners.Factoring Credit Protection
Portfolio, single-supplier or selective non-payment protection for purchased receivables.
Delivery modelCredit insurance, not factoring; financing provided by a licensed factor.Specialty Credit & Political Risk
Protection for trade, export and project finance against commercial and political default risk.
Delivery modelSpecialty market with banking, reinsurance and political risk partners.Surety & Contract Bonds
Bid, advance payment, performance, warranty, customs and payment bonds.
Delivery modelSurety insurance with locally authorised issuing partners.Lease & Equipment Receivables Protection
Medium-term instalments from equipment sales, service contracts or leases.
Delivery modelCredit or financial-loss cover through specialty capacity.Transactions & Project Finance
Identify, structure and transfer risks early in M&A and financing processes.
4 Services+
Transactions & Project Finance
Identify, structure and transfer risks early in M&A and financing processes.
Insurance Due Diligence
Review of policies, claims, legacy liabilities, coverage gaps, costs and change-of-control provisions before closing.
Delivery modelInsurance advisory; legal, tax and SPA review by specialists.Warranty & Indemnity
Buy-side or sell-side cover for breached warranties in a sale agreement.
Delivery modelSpecialist cover with W&I underwriting and reinsurance capacity.Tax & Contingent Risk
Transfer of defined tax, litigation, title or environmental risks.
Delivery modelIndependent legal and tax opinions are required.Project Finance Risk Structuring
Insurance and guarantee structures designed around lender requirements for investment projects.
Delivery modelInsurance advisory; financing and technical due diligence via licensed partners.Risk Engineering & Advisory
Make risks measurable, improve insurability and limit disruption.
4 Services+
Risk Engineering & Advisory
Make risks measurable, improve insurability and limit disruption.
Risk Engineering & Loss Prevention
Site surveys and fire, process, machinery and natural-catastrophe scenarios with a capital-expenditure roadmap.
Delivery modelRisk engineering supported by qualified engineering partners.Supply Chain & Business Resilience
Supplier mapping, business-interruption values, stress testing, continuity planning and alternative sourcing.
Delivery modelAdvisory integrated with property and business-interruption underwriting.Cyber Resilience & Incident Readiness
Maturity assessments, tabletop exercises, playbooks and a controls roadmap.
Delivery modelAdvisory with cybersecurity, forensic and legal specialists.Risk Financing Optimisation
Risk map, loss analytics, limits, retentions and total cost of risk.
Delivery modelStrategic advisory; market placement only via a licensed entity.Captive & Alternative Risk Transfer
Combine retention, capacity and volatility within a long-term structure.
3 Services+
Captive & Alternative Risk Transfer
Combine retention, capacity and volatility within a long-term structure.
Captive Advisory & Fronting
Feasibility analysis, retention, capital design, fronting, reinsurance and governance.
Delivery modelFronting and network partners; legal, tax and actuarial advice provided separately.Multi-Year, Multi-Line & Aggregate
Multi-year cover, aggregate deductibles, stop-loss protection and retention financing.
Delivery modelStructured insurance and reinsurance with actuarial review.Parametric & Non-Damage BI
Predefined liquidity for weather, natural-catastrophe, energy or supply-chain triggers.
Delivery modelProduct and legal reviews and an independent data source are required.International Programmes & Claims
Global consistency with local compliance and effective claims management.
2 Services+
International Programmes & Claims
Global consistency with local compliance and effective claims management.
International Insurance Programmes
Master and local policies, DIC/DIL, tax and regulatory coordination, and reporting.
Delivery modelLocal insurance partners, with lead, captive or co-insurance structures aligned with the programme design.Major Claims, Recovery & Analytics
First notification of loss, claims protocols, adjusters, business recovery, subrogation and loss analytics.
Delivery modelDirect handling of own policies; claims advocacy, where required, through authorised partners.
L / INDUSTRIAL RESILIENCE
Industry focus
Sector knowledge for technical and international risks.
Cover is aligned with assets, construction phases, supply chains, contracts and the regulatory requirements of each industry.
Energy & Renewables
Construction & Infrastructure
Chemicals & Manufacturing
Logistics & Trade
Technology & Data
Risk engineering & services
Advisory and risk engineering before inception.
Technical reviews, credible scenarios and clear accountabilities can support insurability and help shorten response times when a loss occurs.
CYBER RESILIENCECONTROL FRAMEWORK
Risk Engineering
Site surveys, loss scenarios, business-impact analysis and prioritised improvements.
International Programmes
Central governance, local policies and consistent cover logic across jurisdictions.
Claims Response
Claims protocols, adjuster coordination, subrogation review and business recovery from first notification of loss.
Our approach
From risk profile to dependable cover.
Analyse
Document the business model, sites, contracts, values, countries and existing policies.
Assess
Quantify exposures, loss scenarios and technical improvement measures.
Structure
Define cover, limits, retentions, partner capacity and local policies.
Manage
Oversee the programme, document changes and coordinate claims handling.
Service access
Clear next steps, without friction.
Focused access points for risk review, claims readiness, document verification and corporate information.
Initial review