Risklytics (YC S26): Specialized Insurance for Frontier Tech

Risklytics provides bespoke commercial insurance solutions for organizations integrating AI into their core operations—ranging from pure software development teams to those managing physical robot fleets. They offer coverage tailored to actual operational realities, sourced from carriers specifically seeking this type of innovative risk.

The Core Thesis: AI is no longer theoretical; it is performing tangible work. Whether it is an autonomous agent managing client workflows or a physical robot deployed at a customer site, these activities introduce risks that traditional commercial insurance forms were never designed to handle.

The Problem with Legacy Insurance

Most carriers will provide a quote using outdated paperwork drafted long before the AI revolution. Consequently, critical exclusions are often buried in the fine print, only to be discovered after a loss has occurred.

Risklytics acts as a specialized brokerage for companies deploying AI in workflows or machines in the field. They bridge the gap by:

1. Presenting the operational reality to carriers with a high appetite for frontier tech.
2. Manually reviewing every policy form before any coverage is bound.

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How the Onboarding Process Works

The journey from application to coverage is streamlined into three primary phases:

• Step 01: Narrative. Answer three brief questions regarding your product and its interaction with the physical world.
• Step 02: Drafting. An AI engine converts your narrative into a formal draft application.
• Step 03: Placement. A licensed producer reviews the submission and places it with appropriate carriers.

Note: No policies are bound automatically online; human expert review is mandatory.

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Core Coverage Offerings

Risklytics focuses on several key areas of protection:

• Professional Liability (Tech E&O): Protection against financial losses suffered by customers due to technology failure.
• Equipment (Inland Marine): Coverage for robots and hardware rigs, whether they are in transit or deployed on-site.
• Extra Limits (Umbrella): Additional coverage layers to satisfy the requirements of demanding enterprise contracts.

Mathematically, they view the mitigation of risk as: $\text{Total Protection} = \sum (\text{Base Policy} + \text{Umbrella Limits}) - \text{Exclusions}$

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Coverage Tiers & Starting Points

Depending on the stage of your company, Risklytics offers different application starting points. Users can modify any coverage line before the final broker review.

Example Application Data Structure

{
  "client_profile": "Frontier Tech",
  "deployment_type": "Robot Fleet",
  "requested_lines": ["Tech E&O", "Inland Marine", "Umbrella"],
  "review_status": "Pending Licensed Producer"
}

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Disclaimer: The tiers listed above are application starting points and do not constitute evidence of coverage. All final quotes are governed by carrier appetite, specific policy terms, licensing requirements, and general availability.