Lowers Risk Group
Lowers Risk Group is a privately-held enterprise risk management firm providing loss adjusting, claims management, financial forensics, and risk consulting services to international insurers, the Lloyd's market, and self-insured corporations across all seven continents through 500+ professionals and a global partner network.
- Company typePrivate
- Founded2012
- HeadquartersPurcellville, United States
- Headcount251–500
- GTM typeB2B
- OfferingServices
What Lowers Risk Group does
Lowers Risk Group, LLC is a privately-held enterprise risk management holding company headquartered in Purcellville, Virginia. The company operates through four wholly-owned subsidiaries: Lowers & Associates (risk mitigation and loss prevention), Adjusteck (international loss adjusting and claims management), Lowers Forensics International (financial forensics and forensic accounting), and LRG Technologies (software development and IT services). It serves international insurers, Lloyd's and London market participants, reinsurance companies, captive multi-national insurance programs, and significantly self-insured corporations operating in high-risk, highly-regulated environments. The company employs more than 500 people across offices in the United States and the United Kingdom, with claims handling experience spanning all seven continents and a global channel partner network extending coverage into Canada, Latin America, Europe, the Middle East, Africa, Asia, and Australasia.
The company delivers services through a hybrid human-and-technology model anchored by proprietary platforms. SIRPORTAL, launched in 2025, centralizes Self-Insured Retention claims management for insurers, brokers, risk managers, and adjusters, replacing spreadsheets and email-based workflows with a digital portal. The Stratis AI Platform, developed in 2023 by Lowers Forensics International, applies AI to quantify business interruption claims quickly and accurately through automated forensic accounting and anomaly detection. Additional technology assets include a web-based Claims Management Software offering mobile access, workflow customization, and client-portal integration, plus the LIVE Learning Management System used for internal training and client compliance programs. The technology stack is built on AWS cloud infrastructure using Java, Node.js, PHP, Vue.js, Python, and .NET frameworks.
Revenue is generated primarily through professional services — loss adjusting engagements, claims management mandates, financial forensics and litigation support, and risk consulting — priced via quote-based Instruction Confirmations with multi-year terms and 30-day payment cycles. A secondary revenue stream comes from technology licensing and bespoke Insurtech products, particularly SIRPORTAL and the Stratis AI Platform. Distribution combines direct enterprise field sales, relationships with Lloyd's and London market brokers, and the global channel partner network described above. Marketing relies on content assets (whitepapers, multiple branded blogs, an armored-car crime-incident reporting database, and a hurricane tracker) plus conference sponsorship at SCTA and ESTA events. The firm is founder-controlled, with no disclosed institutional investors, parent holding company, or external funding rounds.
Lowers Risk Group firmographics
Firmographics- Name
- Lowers Risk Group
- Legal name
- Lowers Risk Group, LLC
- Website
- https://lowersriskgroup.com
- Company type
- Private
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Lowers Risk Group is a privately-held enterprise risk management firm providing loss adjusting, claims management, financial forensics, and risk consulting services to international insurers, the Lloyd's market, and self-insured corporations across all seven continents through 500+ professionals and a global partner network.
- Ownership category
- akta.pro rank
Lowers Risk Group industry classification
Industry- Product category
- Enterprise Risk Management Services
- NAICS
- Claims Adjusting (524291), Insurance Agencies and Brokerages (524210), Insurance Carriers (5241)
- SIC
- Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Risk, Compliance & Internal Controls Consulting (BPAHACAJ)
- akta.pro secondary industries
- Claims Advocacy & Loss Recovery Services (FSAEADAH), Fraud Risk & Financial Crime Controls Advisory (BPAKADAL), Catastrophe Claims & Loss Adjustment Services (FSAOACAO)
Keywords
Where Lowers Risk Group is headquartered
LocationHeadquarters
- HQ city
- Purcellville
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
Lowers Risk Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Loss Adjusting & Claims Management Services: Professional services revenue from international loss adjusting practice and claims management firm. Adjusteck handles Property (Industrial & Complex), Construction & Engineering, Energy, Casualty, Natural Resources, Specie, and Specialist Lines claims. Services provided to international insurers, managing direct and reinsurance claim assignments globally, or as nominated by insurers to captive multi-national insurance programs and corporations significantly self-insured.
- Enterprise Risk Management Consulting: Risk mitigation, financial forensics, and loss prevention services provided to organizations operating in high-risk, highly-regulated environments. Includes services such as Business Continuity and Disaster Recovery, Cash Audit Services, Compliance Audit, Crime Risk Analysis, Due Diligence, Insurance Claims Investigations, Litigation Support, Premises Security Liability, Risk Management Training, Security Risk Advisory Practice, Special Investigations.
- Technology Solutions & Software Licensing: Custom software applications, IT infrastructure, SIRPORTAL platform licensing, Stratis AI Platform for forensic accounting. AWS cloud migrations, InfoSec & IT consulting, penetration tests, MSP services, and custom development for clients. Technology solutions provided to both internal use and external clients.
- Insurance Forensics & Forensic Accounting: Financial forensics and risk mitigation services including Insurance Claims Forensic Accounting and Consulting, CAT Claims, Forensic Accounting and Corruption Investigations, Litigation/Disputes, Anti-Fraud, Corporate Compliance and Training.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Professional Services - Claims Handling |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels9 records
Lowers Risk Group product offering
Product offeringCore offering
Lowers Risk Group provides enterprise-wide risk management solutions to organizations operating in high-risk, highly-regulated environments. The company delivers international loss adjusting and claims management services, financial forensics and risk mitigation consulting, IT/InfoSec and managed services, and bespoke Insurtech products through its operating subsidiaries (Adjusteck, Lowers & Associates, Lowers Forensics International, LRG Technologies).
Product overview
Lowers Risk Group is a comprehensive enterprise risk management solutions provider operating through four main sub-brands: Adjusteck (loss adjusting and claims management), Lowers & Associates (risk mitigation and loss prevention), Lowers Forensics International (financial forensics), and LRG Technologies (software development and IT consulting). The portfolio includes proprietary technology products including Claims Management Software, SIRPORTAL (self-insured retention claims management platform), Stratis AI Platform (AI-powered forensic accounting), and LIVE Learning Management System. The offering combines human expertise with technology-based solutions for the insurance and risk management markets.
Differentiator
Problem solved
Functional benefit
Brands
- SIRPORTAL: Self-Insured Retention claims management software platform developed by Lowers Risk Group for managing SIR claims, connecting insurers, brokers, risk managers, and adjusters.
- Stratis AI Platform
- LIVE
Products and services
- Adjusteck Loss Adjusting & Claims Management Full-service international Loss Adjusting and Claims Management practice serving insurance and reinsurance markets, handling Property, Construction & Engineering, Energy, Casualty, Natural Resources, Specie, and Specialist Lines claims.
- Lowers & Associates Risk Mitigation & Loss Prevention Enterprise-wide risk mitigation and loss prevention services including business continuity, disaster recovery, cash audit, compliance audit, crime risk analysis, due diligence, insurance claims investigations, litigation support, premises security liability, risk management training, security risk advisory, and special investigations.
- Lowers Forensics International (LFI) Globally trusted financial forensics and risk mitigation firm providing Insurance Claims Forensic Accounting and Consulting, CAT Claims, Forensic Accounting and Corruption Investigations, Litigation/Disputes, Anti-Fraud, and Corporate Compliance and Training.
- LRG Technologies Software development and IT consulting services providing custom software applications, IT infrastructure, and consultative maintenance to prepare businesses for future challenges, including AWS cloud migrations and MSP services.
- Claims Management Software Web-based claims management software providing remote accessibility, mobile application options, flexible and scalable workflow streams, template and photo-sheet generation, invoice creation, claim reminders, messaging, automatically recorded notes, client-portal access for bilateral communication, and large volume claim handling.
- SIRPORTAL Self-Insured Retention (SIR) claims management platform that centralizes SIR claims in one secure system, providing real-time claim visibility, claims document management, and adjuster oversight/quality control for insurers, brokers, risk managers, and adjusters.
- Stratis AI Platform Proprietary AI platform used by Lowers Forensics International to help insurers quantify business interruption claims quickly and accurately through integrated, technology-focused forensic accounting and structured financial data processing.
- LIVE Learning Management System Comprehensive Learning Management System developed by Lowers & Associates that simplifies and streamlines training processes, leveraging over four decades of risk management experience to ensure teams are well-trained and compliant.
Quantifiable outcome
- 350% company growth supported through recruitment efforts
- +2 more outcomes
Companies that use Lowers Risk Group
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Lowers Risk Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature4 records
Lowers Risk Group partnerships and signals
Strategic signalPartnerships
19 partnerships are on record, tiered core, standard and flagship.
- Ekol EkspertizcoreTurkey-based loss adjusting services provider to insurance and reinsurance companies for over 30 years across Europe, Asia, and the Middle East. Experienced team from diverse engineering disciplines specializes in loss management, forensic investigations, and fraud analysis for industrial facilities, power plants, construction projects, financial and liability risks, and large/complex claims. Adjusteck partnership announced 2024 to expand presence in Turkey.
- Spectrum AdjustingcoreCanada-based niche adjusting firm providing specialized services for energy, mining, natural resource, and manufacturing sectors. Background with international property insurer, engineering, and independent adjusting provides unique perspective in loss mitigation and control with established history of successful solutions for complex claims.
- ValuativecoreColombia-based loss adjustment and fraud investigation services provider with more than 20 years of experience serving the insurance market. Fully understands complexities of providing outstanding services to the market and committed to excellence in all works.
- Viollier y AsociadoscoreChile-based claims adjustment, assessment, and services provider with more than 60 years of experience serving the insurance industry.
- Riesgos & Peritajes Roca PoncestandardEcuador-based loss adjusting and claims management services provider with over 28 years of experience serving insurance companies operating in Ecuador.
- B&C Ajustadores Y Peritos De Seguros S.A.standardPeru-based loss adjustment services provider with more than 30 years of experience. Team has professional experience and are recognized in local and international markets.
- Miller International Latam, SA de CVstandardMexico-based adjusting firm with more than 30 years of experience. Main lines are engineering, construction, highways, oil & gas, renewables, mining and power utilities. Services provided with own engineers.
- ACMEcoreMilan-based firm specializing in high quality services for the insurance market including loss adjusting, claims handling and fraud investigation. Over 30 years of experience on multiple classes and types of claims including complex and high net worth losses. Operates throughout Italy and nearby European countries.
- A. Zghoul Ltd.coreIsrael-based appraisal, claim handling, loss adjusting, and risk assessment provider with more than 40 years of experience serving insurance, banking and accounting sectors in Israel, Europe, and the Middle East.
- GAP ServicesstandardIndependent insurance loss adjusters, consultants, and risk managers predominantly assisting major insurance, reinsurance, and commercial entities. Coverage across Europe and Former Soviet Union.
- Libre Claims & Recovery ConsultingstandardNetherlands-based boutique claims and recovery consulting firm with expertise in high net worth, cyber, environmental liability, machinery breakdown, recall, jewelers block, outside risks, and other specialties. More than 35 years of national and international experience.
- MCIcoreFrance-based loss adjusting and surveying firm with over 41 years of experience, including 34 years dedicated to bespoke cradle-to-grave services across France and surrounding regions. Specializing in complex commercial, industrial, and liability claims including renewable energy, hospitality, fine art, and high-net-worth losses. Supports insurers, Lloyd's syndicates, brokers, and policyholders.
- PROLOSSstandardSouth Africa-based one of the largest locally owned Loss Adjusting companies. Focuses mainly on Corporate and Commercial claims, working nationally, in countries bordering South Africa and Mauritius.
- Untitled (1960) S.r.l.coreItaly-based service provider to insurance companies and Underwriters at Lloyd's. Coverage in Italy, nearby European countries and Middle East. Specializing in fine art, musical instruments, classic/historic motor sport cars and HNW/UHNW risks.
- Atlas AdjustingcoreIndonesia-based loss adjusting and claims services provider to Indonesian insurance industry with highest level of integrity and professionalism. Adjusting team comprises mostly engineers with various professional insurance qualifications. Handles major and complex losses under property, engineering and marine portfolio.
- ProclaimcoreIndia-based leading loss adjusting practice with 30 offices and 250 professionals employed across the country. Proven expertise for handling major losses including niche portfolios like cyber claims and particularly where complex technical issues dominate.
- Total Claims Specialist, Inc.standardSingapore and Philippines-based professional organization of qualified independent insurance claim specialists with nearly 50 years of experience in Philippines and globally. Direct experience in Singapore, Philippines, United Kingdom, Australia, New Zealand, and all of Asia.
- YDRcoreAustralia-based Chartered Loss Adjusters with 30 years of experience managing large and complex claims requiring specialist legal, commercial, scientific, engineering and surveying expertise. Many adjusters have significantly more years of experience in the insurance industry.
- Secure Cash and Transport Association (SCTA)flagshipFounding member of the Secure Cash and Transport Association. Multiple years of sponsorship (2024, 2025). SCTA brings together thought leaders and professionals from the cash industry to discuss current issues, practices, and topics. Conference held annually bringing together cash industry professionals.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Lowers Risk Group competitors and assessment
Company assessmentBroad incumbents
- FTI Consulting: Global advisory firm with significant forensic accounting, litigation support, and risk consulting practices. Larger incumbent competing for similar corporate, insurance, and legal-services engagements as LFI.
Direct peers
- McLarens: Independent international loss adjusting firm serving insurers, reinsurers, and self-insureds. Closely aligned with Adjusteck in specialty lines including natural resources, construction & engineering, and complex/large loss claims.
- Kroll: Global financial forensics, investigations, security risk consulting, and risk advisory firm. Directly comparable to Lowers Forensics International and the Lowers & Associates security consulting practice.
- Davies Group: Professional services and claims solutions firm serving insurers and large corporates. Overlaps with LRG's loss adjusting, claims management, and insurance advisory services across multiple geographies.
- Sedgwick: Major global claims management, loss adjusting, and risk services firm. Competes with LRG across property/casualty claims, casualty adjusting, and managed repair, with overlapping capabilities in claims technology and managed care.
- Quest Loss Adjusters: Independent loss adjusting firm specializing in complex and high-value claims. Similar mid-market positioning to Adjusteck, particularly in large property, casualty, and specialty claims.
- Charles Taylor: London-based insurance services group providing loss adjusting, claims management, and insurance support services. Directly comparable to Adjusteck's London/Lloyd's market focus and international adjusting footprint.
- Crawford & Company: World's largest independent claims management and loss adjusting firm. Direct competitor to Adjusteck in P&C loss adjusting, catastrophe claims, and claims management software, serving the same insurance and reinsurance markets globally.
Regional players
- Egeli & Co: Swiss-headquartered loss adjusting and risk services firm serving European/Lloyd's markets. Regional peer to LRG's London operations with comparable expertise in complex property, specie, and high-net-worth claims.
Emerging players
- Stellar Insurance Group: Insurtech building digital claims infrastructure for insurers. Adjacent emerging competitor to LRG's claims management software and SIRPORTAL in the same insurance adjusters/brokers workflow.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Lowers Risk Group social profiles
Digital presenceLowers Risk Group compliance and trust
Trust signalCompliance3 records
Lowers Risk Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Lowers Risk Group leadership team
Management profileNumber of profiles
Profiles13 records
Lowers Risk Group subsidiaries and ownership
Company hierarchySubsidiaries4 records
Lowers Risk Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Lowers Risk Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Lowers Risk Group
What does Lowers Risk Group do?
Lowers Risk Group provides enterprise-wide risk management solutions to organizations operating in high-risk, highly-regulated environments. The company delivers international loss adjusting and claims management services, financial forensics and risk mitigation consulting, IT/InfoSec and managed services, and bespoke Insurtech products through its operating subsidiaries (Adjusteck, Lowers & Associates, Lowers Forensics International, LRG Technologies).
Is Lowers Risk Group a public or private company?
Lowers Risk Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Lowers Risk Group founded?
Lowers Risk Group was founded in 2012. It employs 251 to 500 people.
Where is Lowers Risk Group based?
Lowers Risk Group is headquartered in Purcellville, United States, in the North America region.
How does Lowers Risk Group make money?
Four revenue lines are on record. Loss Adjusting & Claims Management Services are the primary driver. The others are enterprise Risk Management Consulting, technology Solutions & Software Licensing and insurance Forensics & Forensic Accounting.
Who are Lowers Risk Group's main competitors?
FTI Consulting is listed as a broad incumbent. Direct peers are McLarens, Kroll, Davies Group, Sedgwick, Quest Loss Adjusters, Charles Taylor and Crawford & Company. Egeli & Co is listed as a regional player. Stellar Insurance Group is listed as an emerging player.
Does Lowers Risk Group have an API?
No public API is recorded for Lowers Risk Group.
What industry is Lowers Risk Group in?
Lowers Risk Group's product category is Enterprise Risk Management Services. Its primary akta.pro industry code is BPAHACAJ, Risk, Compliance & Internal Controls Consulting, with a secondary code of FSAEADAH, Claims Advocacy & Loss Recovery Services. Its NAICS code is 524291 and its SIC code is 6411.