Business insurance shouldn’t feel like a black box. But for most businesses, it still does. You’re not sure what you’re really covered for, how your broker gets paid, or whether you’re overpaying — and you don’t have time to unravel it.
We started Luma to change that.
The problem with business insurance today
Too many business owners are:
- Sold confusing or unnecessary cover
- Left in the dark about what their broker earn
- Stuck with renewals that no one explains
Most brokers work on commission, meaning they get paid more when you pay more. That creates a misalignment: they’re financially rewarded for upselling — not for helping you spend less or find the right cover.
What we’re doing differently
At Luma, we offer you the choice:
Commission just like traditional brokers
In which case we will show you, upfront, what we are going to earn.
Fixed-Fee
we will remove the commission and add our fee for the work we have done.
We also:
- Explain cover in plain English
- Show you a breakdown of quotes and recommendations
- Make it easy to switch or stay with your current provider
We’re not here to sell you more insurance — we’re here to make sure you’re properly covered, and not overpaying.
Why this matters
The businesses we help aren’t giant corporations. They’re small to mid-sized business owners across all industries — people who want to focus on building their business, not worrying about exclusions buried in fine print.
Insurance should be simple, honest, and useful. That’s why we started Luma.
We compare quotes, explain differences, and help you spot waste.
Curious how your current broker is paid or whether your cover is right?