Risklytics: Insurance for the Frontier
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Coverage
- 01 General Liability Injuries and third-party property damage.
- 02 Professional Liability (Tech E&O)Your tech failing and costing a customer money.
- 03 Cyber Liability Hacks, breaches and stolen data.
- 04 Directors & Officers Leadership decisions and investor suits.
- 05 Commercial Property Your buildings, offices and contents.
- 06 Equipment (Inland Marine)Robots and rigs, in transit and on site.
- 07 Workers' Compensation Your team, injured on the job.
- 08 Extra Limits (Umbrella)Extra limits for demanding contracts.
Solutions
- AI Software & Agents Models and agents doing customer work in production.
- Robotics & Field Machines Machines working on customer sites and in the field.
Guides
- [Decoding a contract's insurance requirements How to read the insurance clause in a customer contract or lease: what each required line and limit means, what additional insured actually asks for, and what is negotiable..](https://www.risklytics.ai/guides/contract-insurance-requirements/)
- [Mid-term contracts and your coverage Whether a policy bought in January covers the contract you sign in June: where coverage extends automatically, where the real gaps are, and what to check before signing..](https://www.risklytics.ai/guides/mid-term-contracts-coverage/)
- [Why robotics applications get declined What a declination actually means, why carriers decline autonomous machines for standard practices, and how the same company gets placed on the second try..](https://www.risklytics.ai/guides/why-applications-get-declined/)
- [Insurance for AI startups What commercial insurance an AI company actually needs, which lines respond when a model or agent causes a loss, and where standard tech policies fall short..](https://www.risklytics.ai/guides/insurance-for-ai-startups/)
- [Insurance for robotics companies How to insure robots and autonomous machines that work on customer sites: the lines that anchor the program, transit and jobsite coverage, and what site owners require..](https://www.risklytics.ai/guides/insurance-for-robotics-companies/)
- [The startup insurance checklist Which insurance an early-stage startup needs at each milestone, from first lease to first enterprise contract, and what each certificate request actually means..](https://www.risklytics.ai/guides/startup-insurance-checklist/)
- [AI liability, explained Who is liable when an AI system causes a loss: how model providers' terms push liability to deployers, which insurance lines respond, and where AI exclusions change the answer..](https://www.risklytics.ai/guides/ai-liability-explained/)
Company
- Packages Ready-made starting points for the application.
- For Insurers Underwriters and MGAs with appetite for this risk.
- About Who we are and why Risklytics exists.
- News Announcements from the team.
- Contact Questions, help with your application, or anything else.
!Image 6
Insurance for the _Frontier_
Commercial insurance for companies putting AI to work, from software teams to robot fleets. Coverage built around how you actually operate, placed with carriers that want this risk.
Backed by!Image 8: Y CombinatorCombinator
Our thesis
AI is doing real _work_ now. Most policies never planned for that.
An AI agent handling customer work, or a robot on a customer site, carries risk that standard commercial forms never contemplated. Carriers quote it anyway, on paper drafted before any of this existed, and the exclusions buried in that paper surface after a loss.
Risklytics is a brokerage built for companies that put AI to work, from models in a workflow to machines in the field. We take the operation to carriers that want this risk on their books, and we read every form that comes back before anything binds.
How it works
From your words to bound coverage.
You describe the business once. We handle the insurance translation.
01
Tell your story
Answer three short questions about what you build and where it touches the physical world. Plain English is the point.
02
We draft your application
AI turns your words into a draft application. You review and confirm every field before it goes anywhere.
03
A licensed broker places it
Your submission goes to carriers that want this risk. Submissions are reviewed by a licensed producer; nothing is bound online.
Coverage lines
The lines we place.
You choose the lines inside the application. The packages below are ready-made combinations of these.
Packages
Typical Packages
Pick the closest match. You can change every requested coverage line before the application goes to broker review.
Prototype & Pilot
For teams shipping a first product or running a limited pilot.
- D&O
- Tech E&O
- Cyber
Deployed Systems
For AI and machines working in production at customer sites.
- D&O
- Tech E&O
- Cyber
Fleet Operations
Higher limits as revenue, headcount, and deployments grow.
- D&O
- Tech E&O
- Cyber
- Umbrella
These are application starting points, not evidence of coverage. Carrier appetite, policy terms, licensing, and availability govern every quote.
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Risklytics is a commercial insurance brokerage for companies putting AI to work. Coverage is currently placed through an individually licensed insurance producer, and we are available to place coverage today. Nothing on this site is a quote or an offer of insurance. Any coverage is subject to carrier underwriting, policy terms, and availability. © 2026 Risklytics, Inc. All rights reserved.