Lowers & Associates

What Lowers & Associates does

Lowers & Associates is a B2B professional services firm founded in 1981, headquartered in Purcellville, Virginia, and operating as a subsidiary of Lowers Risk Group. The firm delivers enterprise risk management solutions to mid-to-large enterprises across the insurance, corporate, financial, and high-value asset sectors, with operational presence in the United States, United Kingdom, and Latin America through offices in Purcellville, London, and Miami. Service offerings span insurance claims investigations, cash audit, compliance audit, crime risk analysis, premises security liability expert forensic services (with 1,512+ expert cases to date), security risk advisory, due diligence, litigation support, special investigations, business continuity and disaster recovery, and delegated claims management.

The company's technology stack centers on three proprietary platforms: SIRPORTAL (a Self Insured Retention Portal enabling real-time claim logging and routing among insurers, brokers, insured parties, and claims handlers), LIVE (a Learning Management System built on four decades of risk management training expertise), and Claims Management Software for property, casualty, and specialty lines. Adjusteck operates as a wholly-owned claims handling subsidiary and is integrated into the SIRPORTAL routing workflow. The firm also publishes the Armored Car Crime Report as a recurring thought leadership asset, leveraging law enforcement and internal incident data for customized crime risk analysis.

Revenue is generated through quote-based professional services engagements and retainer arrangements with enterprise clients; pricing is not publicly disclosed. Go-to-market is sales-led and primarily direct, supplemented by content marketing via blog and resource library, an email newsletter, and the Lowers Risk Group partner network for global coverage. The firm is privately held with no external institutional, private equity, or venture capital investors identified, and reports 101-250 employees across its three offices.

Name

Lowers & Associates

Legal name

Lowers & Associates

Website

https://lowersrisk.com

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

101–250 employees

Short description

Lowers & Associates is a US-based B2B professional services firm founded in 1981 delivering enterprise risk management, insurance claims investigations, compliance audits, and security risk advisory services to insurers, corporations, and financial institutions across the US, UK, and Latin America.

Ownership category

akta.pro rank

Product category

Enterprise Risk Management Services

NAICS

Management Consulting Services (54161), Claims Adjusting (524291)

SIC

Services-Management Consulting Services (8742), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Fraud Risk & Financial Crime Controls Advisory (BPAKADAL)

akta.pro secondary industry

Claims Advocacy & Loss Recovery Services (FSAEADAH)

Keywords

• Enterprise risk management
• Insurance claims investigations
• Compliance audit services
• Crime risk analysis
• Security risk advisory

Headquarters

HQ city

Purcellville

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Professional Services: Fee-based consulting and advisory services including risk management, investigations, compliance audits, due diligence, and claims handling. Revenue generated through project-based engagements and retainer arrangements with enterprise clients.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Lowers & Associates is a global risk management firm delivering investigations, claims, compliance, security, and advisory services to insurance carriers, corporations, financial institutions, and government clients. Its portfolio includes insurance claims investigations, cash and compliance audits, crime risk analysis, premises security liability forensic services, security risk advisory, due diligence, litigation support, and special investigations, supported by proprietary technology such as the LIVE learning platform, SIRPORTAL exposure portal, and Claims Management Software.

Product overview

Lowers & Associates offers a unified platform of technology solutions supported by specialized risk management service lines. The core technology portfolio consists of LIVE (a Learning Management System) and SIRPORTAL (a Self Insured Retention Portal for claim management), complemented by Claims Management Software. These technology solutions are complemented by professional services including Insurance Claims Investigations, Cash Audit Services, Compliance Audit, Crime Risk Analysis, Premises Security Liability, Security Risk Advisory Practice, Due Diligence, Litigation Support, Special Investigations, Risk Management Training, Business Continuity and Disaster Recovery, and Delegated Claims Management.

Differentiator

Problem solved

Functional benefit

Brands

• SIRPORTAL: Self Insured Retention Portal for real-time claim logging and collaboration between insurers, brokers, insured parties and claims handlers
• LIVE
• Adjusteck

Products and services

• Insurance Claims Investigations Independent claim investigations, subrogation support, and surveillance services delivered to insurance carriers, self-insureds, risk pools, TPAs, and brokers handling disputed or complex claims.
• Cash Audit Independent cash and exposure audits for insurance programs and self-insured retentions, helping clients validate financial controls and program integrity.
• Compliance Audit Independent compliance audits against client-specific and regulatory standards, supporting enterprise and institutional risk programs.
• Crime Risk Analysis Specialized crime exposure analysis targeting high-value asset and financial institution clients, including fine art and specie risk environments.
• Premises Security Liability Expert Forensic Services Expert forensic analysis and expert witness services for premises security liability matters, supporting litigation, claims defense, and corporate security programs.
• Security Risk Advisory Practice Holistic security risk advisory for corporate and institutional clients covering program design, threat and vulnerability assessments, and risk mitigation strategy.
• Due Diligence Investigative and corporate due diligence services supporting M&A, third-party risk, and commercial counterparty assessments.
• Litigation Support Investigative, forensic, and expert support to legal teams handling complex commercial, security, and risk-related litigation.
• Special Investigations Tailored special investigations for sensitive, complex, or high-stakes matters including internal misconduct, fraud, and asset tracing.
• LIVE Learning Management System Proprietary web-based learning management system used to deliver training and risk education programs to client organizations.
• SIRPORTAL Self-Insured Retention Portal Proprietary self-insured retention portal that gives clients structured visibility and management of SIR exposures and program data.
• Claims Management Software Proprietary claims management software that supports structured handling, tracking, and reporting of claims within client programs.
• Business Continuity and Disaster Recovery Planning, advisory, and program support to help organizations prepare for and recover from operational disruptions and disasters.
• Risk Management Training

Quantifiable outcome

• 1,512+ premises liability cases handled with expert analysis and testimony

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Lowers Risk GroupcoreStrategic or Co-development PartnerLowers & Associates is a subsidiary member of the Lowers Risk Group, a comprehensive risk management organization providing global coverage through a network of affiliated companies and partners. The group offers complementary risk services including loss adjusting, catastrophe claims handling, and technology-based claims management solutions.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Crawford & Company: Global claims management and loss adjusting firm serving insurance carriers and corporates. Crawford's outsourced claims handling, catastrophe response, and risk services directly overlap with Lowers & Associates' claims management, investigations, and casualty/specialty lines.
• Sedgwick: Major claims management, loss adjusting, and risk services provider to insurers and employers. Sedgwick's technology-enabled claims management and adjusting services closely parallel Lowers & Associates' SIRPORTAL, Adjusteck claims handling, and risk consulting offerings.
• Davies Group: Professional services firm specializing in insurance claims solutions, loss adjusting, and risk consulting across the UK, US, and globally. Davies' claims and risk advisory practice is a comparable mid-sized competitor in the same buyer set as Lowers & Associates.
• Kroll: Global risk advisory firm offering investigations, security consulting, cyber, and compliance services. Kroll's investigations and security risk practice competes head-to-head with Lowers & Associates' special investigations, premises security liability, and due diligence offerings.
• Control Risks: Specialist risk consultancy delivering security advisory, investigations, compliance, and political risk services to multinational clients. Control Risks' security risk advisory practice is highly comparable to Lowers & Associates' security risk management and due diligence work.
• Pinkerton: Corporate security and investigations firm providing risk assessments, background checks, and protective services globally. Pinkerton directly competes with Lowers & Associates' corporate security, investigations, and risk consulting service lines.
• T&M Protection Resources: Security consulting and investigations firm providing threat assessments, executive protection, and security risk advisory. T&M is a similarly sized direct competitor to Lowers & Associates in corporate security risk and investigations.
• Guidepost Solutions: Global security and investigations consulting firm offering due diligence, compliance, and risk advisory services. Guidepost directly competes with Lowers & Associates in due diligence, investigations, and security risk advisory for corporate and legal clients.

Broad incumbents

• FTI Consulting: Large global advisory firm with a dedicated Risk & Investigations practice serving insurance, legal, and corporate clients. FTI is a broader incumbent with overlap on claims disputes, forensic investigations, and security risk — competing for the same enterprise buyers at the upper end.
• Alvarez & Marsal: Global professional services firm with risk and compliance advisory offerings. While broader than Lowers & Associates, A&M's forensic investigations and risk advisory engagements compete for similar corporate and insurance client mandates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/1181794

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lowers & Associates