Insurance for startups and high-growth companies pushing the bounds of innovation. Our team of expert brokers combines deep specialty knowledge with AI-powered tools to find, place, and manage the coverage that actually protects your business — so you can focus on building it.
We built Alton Risk for the companies solving the hardest problems — pairing deep specialty expertise and AI-powered tools with brokers who take your risk as seriously as you take your work.
AI, crypto, data centers, drones, and hard-to-place risk — emerging technology is all we do. We know the exposures, the carriers who will actually write them, and the policy wording that fits how your company really operates.
Our AI scans your policies for hidden exclusions — including the AI exclusions increasingly written into Tech E&O — and matches your risk to the right carriers, paired with brokers who know exactly what to do with what it finds.
E&S wholesale, Lloyd's of London, Bermuda, and Cayman. When your risk is new or hard to place, access to the right market is the whole game — and we have the relationships to open the door.
You work with hands-on brokers, not a call center, through every renewal and mid-term change. And when a claim hits, our embedded coverage counsel manages it from first notice to maximum recovery.
No black boxes. We show you what's missing before you commit, put carriers in competition for your business, and tailor every line to how you actually operate.
We review your current policies and hand back a plain-English report of the gaps, exclusions, and limits that don't match your risk — no obligation, no pressure to buy.
We combine D&O, cyber, E&O, property, and more into one program and tailor each line to your real exposure. Where standard wording falls short, we negotiate and manuscript our own. No cookie-cutter bundles.
We put competing carrier quotes side by side so you can weigh coverage and price clearly — then bind in days, not weeks, when you're ready.
Investors, customers, landlords, and partners all impose insurance requirements. We read the contract and place coverage that meets vendor, client, and financing terms — right the first time.
We go beyond traditional brokerage to give you a complete range of risk management tools — from conventional coverage to cutting-edge hedging strategies.
We provide access to the full suite of insurance coverages to protect operators, builders, and investors. Our team works across markets to find the right coverage at the right price, so you can focus on running your business.
Take control of your risk by owning it. We help businesses design and manage captive insurance programs — whether single-parent or group structures — that turn insurance costs into long-term strategic assets.
Traditional insurance doesn't cover every risk your business faces. We leverage prediction markets and event-based contracts to help clients hedge against regulatory shifts, economic trends, and other hard-to-insure exposures.
We specialize in the industries that need custom risk solutions — and we know exactly which carriers, markets, and policy structures deliver the right protection for each one.
AI insurance with no AI exclusions in your E&O. We know the carriers who actually understand your technology and will cover it.
Learn more →Crypto insurance for exchanges, custodians, and protocols — D&O, E&O, Cyber, and Crime placed through Bermuda and Lloyd's specialty markets.
Learn more →Founders insurance and startup coverage from Seed to Series C. The policies your investors expect, placed by brokers who speak fluent VC.
Learn more →Property, BI, and liability for mission-critical infrastructure — placed with carriers who understand uptime SLAs and redundancy.
Learn more →Hull, liability, and payload coverage for commercial drone operators and manufacturers with specialty aviation carriers.
Learn more →Been declined? We access E&S, Lloyd's, and Bermuda markets purpose-built for the hardest-to-place risks.
Learn more →We don't just find you a policy. We prepare your team for underwriting calls, craft submissions that make carriers compete, and negotiate terms that actually protect you.
Alton Risk is a specialist insurance brokerage and risk partner for emerging technology companies. We offer three integrated solutions: retail insurance brokerage (D&O, Cyber, E&O, and 15+ other coverages), captive insurance program design, and risk hedging via prediction markets for uninsurable exposures.
We combine deep specialty expertise with AI-powered policy analysis and carrier matching. Our AI scans policies for hidden exclusions — including the AI exclusions increasingly written into Tech E&O policies. We access specialty markets (E&S, Lloyd's, Bermuda) and we specialize in the risk classes that are hardest to place.
Alton Risk places D&O insurance for startups at every stage, from Seed through IPO. We benchmark your limits against peer companies at your funding stage, prepare your management team for underwriter questions, and access specialty carriers through E&S, Lloyd's, and Bermuda markets.
Most VCs require D&O (Directors & Officers) insurance before closing a Series A. Many also expect Cyber liability, Tech E&O, and EPL (Employment Practices Liability). We map your current policies against typical investor requirements so nothing delays your close.
AI companies need specialized liability coverage including AI liability (model errors and algorithmic bias), Technology E&O (software errors), and employment practices coverage. We also audit your policies to ensure AI exclusions don't deny a claim.
Yes — that's our specialty. We have relationships across E&S carriers, Lloyd's, and Bermuda markets to place coverage for emerging tech companies, crypto firms, and other hard-to-place risks other brokers turn down.
Costs vary by industry, funding stage, and coverage needs. Total insurance spend at Seed/Series A typically runs roughly $8,000–$50,000 per year across D&O, Cyber, E&O, EPL, and GL; AI and crypto companies often pay more due to specialty underwriting. We review your needs and the associated costs before you decide.
Can't find an answer to your questions? Reach out to our team →
Whether you're buying insurance for the first time, looking for a better broker experience, or need help with a claim — we'll respond promptly.