The risk management partner for companies building the future.
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 go beyond traditional brokerage to give you a full spectrum of risk management tools — from conventional coverage to cutting-edge hedging strategies.
Retail Insurance Brokerage
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.
Captive Insurance
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.
Risk Hedging via Prediction Markets
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.
Industries
Coverage designed for your industry.
We specialize in the industries that need tailored risk solutions — and we know exactly which carriers, markets, and policy structures deliver the right protection for each one.
Every coverage line your company needs — expertly placed.
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.
We built Alton Risk because the companies solving the hardest problems deserve a broker who takes insurance as seriously as they take their own work.
01 — Free coverage gap analysis
We find what's missing before you commit
Our AI reads your current policies and flags gaps, exclusions, and limits that don't match your risk profile. Our brokers then produce a plain-English report — complimentary, no strings attached.
02 — Specialty market access
Markets your current broker can't reach
E&S wholesale, Lloyd's of London, Bermuda, and Cayman. For hard-to-place risks and emerging industries, having access to the right market is everything.
03 — AI-powered submissions
Better coverage, faster
Our AI matches your risk to the right carriers and generates submissions in each market's preferred format — cutting weeks off the traditional timeline without sacrificing quality.
04 — Claims advocacy
We fight for you at claim time
Most brokers disappear after binding. Our embedded coverage counsel and claims team manage the entire process — from first notice through maximum recovery.
Let's find the right coverage for your company.
Whether you're buying insurance for the first time, unhappy with your current broker, or need help with a claim — we'll respond within 1 business day.
Your company exists in a category that most carriers have never underwritten and most brokers have never placed. We've been placing coverage for AI companies for years — across domestic and international markets.
68% of tech E&O policies contain AI exclusions broad enough to deny any claim involving machine learning, LLMs, or automated decision-making. Your current broker may not even know these exclusions exist.
We know exactly which carriers will engage with AI companies and how to frame the conversation. We prepare your team for underwriting calls so carriers understand how your technology works and why it deserves clean, exclusion-free coverage.
Our team has placed digital asset coverage across four international jurisdictions and co-founded a Bitcoin-backed P&C reinsurer. We access markets that most brokers have never heard of.
Digital asset insurance is one of the most difficult coverages to place in the entire commercial market. Fewer than a dozen carriers globally will write it. We know every one of them by name.
We present your custody architecture, key management infrastructure, and operational security with the technical precision these underwriters require. That's why our clients get quoted while others get declined.
You've outgrown your click-to-bind policy. Your investors are asking about coverage gaps. We speak fluent VC — and we know exactly what coverage you need at every funding stage.
Lead investors at top-tier VC firms now run structured insurance audits before term sheets go out. We've mapped exactly what coverage you need at each stage — from Seed to Series C — to pass every time.
We benchmark your limits against peer companies, prepare your management team for underwriter questions, and make sure your coverage documentation satisfies investor due diligence on the first pass.
Data centers are among the most capital-intensive and risk-dense assets in the commercial insurance market. The insurance program has to be airtight.
Between construction risk, equipment breakdown, business interruption, and contractual obligations to tenants and hyperscalers, data center coverage requires carriers who understand uptime guarantees, redundancy architecture, and mission-critical infrastructure.
Commercial drone operations face a unique intersection of aviation liability, product liability, privacy concerns, and rapidly evolving FAA regulations.
Most retail brokers have never placed a drone program and don't understand Part 107 waivers, BVLOS operations, or payload-specific exposures. We place hull, liability, and payload coverage with specialty aviation and technology carriers.
You've been told your risk is "too complex" or "not a fit." Our E&S wholesale market access and embedded coverage counsel are built for exactly this situation.
If you've been declined by other brokers, it usually means they submitted to the wrong markets or didn't present your risk with enough depth. We access E&S, Lloyd's, Bermuda, and surplus lines markets — and we know how to present complex risks so carriers actually want to write them.
Markets we access
E&S / Surplus LinesLloyd's of LondonBermuda MarketsCayman Markets
D&O protects the personal assets of your directors and officers when they face lawsuits alleging mismanagement, breach of fiduciary duty, or regulatory violations.
What is D&O insurance?
If your company has a board of directors, investors, or officers making business decisions, D&O insurance is essential. It covers legal defense costs and settlements when leadership is sued — by investors, regulators, competitors, or employees — over decisions they've made for the company.
For venture-backed companies, D&O is scrutinized by investors at every funding round. Inadequate limits or hidden exclusions can delay or kill a close.
Side A: Covers directors/officers when the company cannot indemnify them — critical in bankruptcy or regulatory action.
Side B: Reimburses the company when it indemnifies directors/officers.
Side C: Covers the company itself in securities claims — essential post-IPO.
Our approach: We benchmark your limits against peer companies at the same stage. We prepare your management team for underwriter questions. We make carriers compete for your business.
Tech E&O covers claims alleging your technology product or service caused financial harm — through software failure, data processing errors, or failure to meet contractual SLAs.
What is Tech E&O?
If your company builds software, provides technology services, or processes data for clients, Tech E&O protects you when something goes wrong and a client sues for financial losses. For AI companies, this includes model errors, hallucinations, and automated decision-making failures.
The AI exclusion problem: 68% of tech E&O policies contain AI exclusions broad enough to deny any claim involving machine learning. We scan every policy for these exclusions and negotiate to remove them.
Comprehensive protection for data breaches, ransomware, technology failures, and professional liability claims arising from your products and services.
Cyber Liability + Tech E&O
If your company handles customer data, provides technology services, or builds software, you need both cyber liability and technology errors & omissions coverage. Cyber covers first-party costs (forensics, notification, business interruption) and third-party claims. Tech E&O covers claims alleging your product or service caused financial harm through failure, errors, or missed SLAs.
68% of tech E&O policies contain AI exclusions broad enough to deny any claim involving machine learning or automated decision-making. We scan every policy for these exclusions and negotiate to remove them before binding.
GL is the foundation of every commercial insurance program — covering bodily injury, property damage, and personal/advertising injury claims.
What is General Liability?
GL is required in virtually every commercial lease, vendor agreement, and construction contract. It covers claims from people who are injured at your premises, harmed by your products, or damaged by your operations.
For companies in construction and other high-exposure industries, GL placement requires specialty market access that standard brokers don't have.
Covers physical damage to buildings, equipment, and inventory from fire, theft, weather, and other covered perils. Includes builder's risk for structures under construction.
Property coverage protects your physical assets and business income. For data centers, coverage must address equipment breakdown, business interruption, and tenant obligations.
EPL covers claims from employees alleging wrongful termination, discrimination, harassment, retaliation, or other employment-related violations.
As companies scale from 10 to 200+ employees, EPL exposure grows exponentially. The cost of defending even a meritless employment claim regularly exceeds six figures. We benchmark your limits against peer companies at your stage and employee count.
Stage-Aware: Limits benchmarked to your headcount and growth trajectory.
Our approach: We prepare your HR team for underwriter questions about employee handbooks and termination procedures — carriers give better terms to companies that demonstrate strong practices.
Protects against losses from employee theft, embezzlement, social engineering fraud, and funds transfer fraud.
For digital asset companies, crime coverage is essential — and extraordinarily difficult to place. Most carriers exclude cryptocurrency holdings entirely. We've placed crime coverage for exchanges and custodians in Bermuda and Lloyd's markets that most brokers have never accessed.
The claim is the reason you bought insurance. It's also where most brokers disappear. We don't.
Most brokers hand you a claims phone number and wish you luck. You're left negotiating directly with carrier adjusters whose job is to minimize your payout.
Alton Risk's embedded coverage counsel and dedicated claims team take over the entire process. We file the first notice, assemble documentation, negotiate with adjusters, appeal denials, and fight for maximum recovery. We've read every clause in your policy — and we know exactly what the carrier owes you.
What we handle
First Notice FilingCarrier NegotiationCoverage Counsel ReviewDenial AppealsMaximum Recovery
Dedicated coverage for the unique risks created by artificial intelligence — from model errors and hallucinations to algorithmic discrimination and autonomous decision-making failures.
Why AI needs its own coverage
Traditional E&O and GL policies were not designed for the risks AI creates. Model hallucinations, training data bias, autonomous decisions that cause harm, and regulatory enforcement under evolving AI governance frameworks all fall into gaps that standard policies don't address.
We work with the small number of carriers globally who are actively writing AI-specific liability coverage — and we know how to present your model governance, testing frameworks, and human oversight processes in the language underwriters need.
Covers claims alleging that your product caused bodily injury, property damage, or financial loss to a third party.
What is Product Liability?
If your company manufactures, distributes, or sells physical products, product liability insurance protects against claims that your product was defective, dangerous, or caused harm. This includes design defects, manufacturing defects, and failure-to-warn claims.
For hardware companies, drone manufacturers, and IoT device makers, product liability is essential — and the intersection of physical products with embedded software creates coverage complexities that require specialty market access.
Hull, liability, and payload coverage for commercial UAS operations — placed with specialty aviation carriers who understand Part 107 and BVLOS operations.
What is Drone Liability?
Commercial drone operations face a unique intersection of aviation liability, product liability, privacy concerns, and rapidly evolving FAA regulations. Most retail brokers have never placed a drone program and don't understand the specific exposures.
We place hull, liability, and payload coverage with specialty aviation and technology carriers — whether you're a commercial operator, manufacturer, or service provider in the UAS ecosystem.
Commercial auto coverage for company-owned vehicles, hired and non-owned auto, and fleet operations.
What is Commercial Auto Liability?
If your company owns, leases, or operates vehicles for business purposes, commercial auto liability covers bodily injury and property damage claims arising from vehicle accidents. This also includes hired and non-owned auto coverage for employees driving personal or rental vehicles on company business.
For companies with delivery operations, fleet vehicles, or autonomous vehicle programs, auto liability requires carriers who understand the specific exposures and regulatory landscape.
One platform to manage your entire insurance program.
Policies, documents, certificates, claims, and renewals — all in one place. No more chasing your broker for PDFs or digging through email.
app.altonrisk.io/dashboard
Alton RiskClient Portal
Acme Corp
AC
Dashboard
Policies
Documents
Certificates
Claims
Renewals
Billing
Team
Coverage Overview
Download AllRequest COI
Directors & Officers
Policy #BZ-2026-4891
Active
Limit$5M
Premium$28,400
RenewsSep 15
Cyber Liability
Policy #CL-2026-1127
Active
Limit$3M
Premium$14,200
RenewsSep 15
Tech E&O
Policy #HX-2026-0553
Active
Limit$2M
Premium$11,800
RenewsSep 15
General Liability
Policy #MK-2026-7720
Active
Limit$1M/$2M
Premium$4,600
RenewsSep 15
Recent Activity
COI issued for WeWork lease2 hrs ago
D&O policy document uploaded1 day ago
Cyber policy renewal initiated3 days ago
Document Management
Every document in one place
Policies, endorsements, dec pages, loss runs, and applications — organized, searchable, and always current. No more digging through email chains or shared drives.
Automated COIs
Certificates issued in minutes
Request and issue Certificates of Insurance directly from the platform. No more waiting days for your broker to process a COI request for a new vendor or lease.
Claims Filing
File and track claims digitally
Submit first notice of loss, upload documentation, and track claim status in real time. Our claims team manages carrier communication from day one.
Renewal Management
Proactive, not reactive
Our platform tracks renewal timelines, market shifts, and carrier appetites — so we start preparing your renewal strategy months before expiration, not weeks.
AI-Powered Intelligence
Technology that makes our brokers faster.
Our AI reads your existing policies and flags gaps, exclusions, and limits that don't match your risk profile. It matches your risk to the right carriers and generates submissions in each market's preferred format — cutting weeks off the traditional timeline.
But the AI doesn't make decisions. Every recommendation, every submission, and every negotiation is led by a licensed professional with deep specialty market expertise.
Brokers renew coverage on autopilot. Policies contain exclusions that won't surface until claim time.
Technology companies have tried to fix this by making insurance faster. But faster isn't the same as better. The value of a broker isn't speed — it's how the policy actually responds when something goes wrong.
Our founding team built careers at every layer of the insurance industry — retailer, wholesale, carrier, and reinsurance. We learned how insurance works from the inside. Then we built technology to deliver that expertise at a speed the industry has never seen.
We didn't build a technology company that sells insurance. We built an insurance brokerage powered by extraordinary technology. The expertise came first. The code came second.
That order matters — because at claim time, no amount of technology can substitute for a broker who has read the policy, understands the exclusions, and knows how to fight for what you're owed.
Alton Risk is a small team by design. We hire people who change the trajectory of the company the day they walk in — then give them room, resources, and trust to do their best work.
When someone here performs, we notice — and we respond. Better compensation, more equity, more responsibility. We don't believe in annual review cycles where outstanding work gets the same acknowledgment as adequate work.
If you've done something remarkable and want to be part of building something that matters, we'd like to talk.
Own the technical vision. First dedicated engineering hire, reporting directly to the founders. Build AI-powered coverage analysis, carrier matching, and client-facing tools. Founding-level equity.
Don't see the right role? Tell us what you're great at and why Alton Risk is where you want to do it. We're especially interested in people with deep insurance domain expertise or early-stage startup experience.
New York City
In-person for the hard problems. Flexible for everything else.