Insurance 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.

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Quick quotes for general liability and workers' comp, fully online.

Broad market access, tailored solutions

Quick quotes

General liability and workers' comp, quoted online.

Share a few details about your business and we'll come back with options. Availability, timing and pricing depend on your class of business, your state and carrier appetite.

General liability quote → Workers' comp quote →

( 01 ) How We Work

How we work.

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.

Understand

We invest time to learn how you operate and where you're exposed, reviewing your current program or guiding first-time buyers on what they need.

Apply

Complete one streamlined digital application; from there, we craft a risk narrative that frames your story for the market.

Place

With the carrier access of a national broker, we shop the market, negotiate hard, and bind your program quickly.

Support

We stay close all year: renewal strategy, mid-term coverage changes, and certificates issued without the wait.

Get insured now.

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.

Coverage customized to your exposure
Prompt, personal response
Built by expert brokers

( 02 ) Coverage

Every coverage line your company needs, expertly placed.

01D&OProtects founders, directors, and officers personally when their management decisions are challenged. 02Employment PracticesDefends claims of wrongful termination, discrimination, harassment, and retaliation. 03Crime / FidelityCovers financial losses from employee theft, fraud, forgery, and social engineering. 04Cyber / Tech E&OResponds to data breaches, cyberattacks, and failures of your technology or service. 05Errors & OmissionsCovers claims that your professional work caused a client financial harm. 06AI LiabilityAddresses claims arising from model errors, bias, and automated decisions. 07PropertyProtects your space, equipment, and physical assets against damage or loss.

Quick quote →08General LiabilityCovers third-party bodily injury and property damage claims against your business.

09Product LiabilityDefends claims that a product you made or sold caused injury or damage. 10Drone LiabilityCovers bodily injury and property damage arising from your UAS operations. 11Umbrella / ExcessAdds extra limits on top of your underlying liability policies. 12Workers' CompPays medical costs and lost wages when an employee is injured on the job. 13Digital AssetsProtects crypto holdings against theft, loss, and custody failures. 14Surety BondsGuarantees your contractual and regulatory obligations to third parties. 15Key PersonReplaces lost income if a founder or critical employee can no longer work. 16Reps & WarrantiesBacks the representations made by parties in an M&A transaction. 17Transactional LiabilityCovers deal-specific risks that could otherwise derail a transaction. 18Tax LiabilityProtects against a successful challenge to an identified tax position.

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.

( 03 ) Who We Serve

Coverage designed for your industry.

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.

I-01

AI & Emerging Tech

AI insurance that confronts the AI exclusions creeping into E&O policies. We push to remove or narrow them. We know the carriers who actually understand your technology and will cover it.

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I-02

Digital Assets & Crypto

Crypto insurance for exchanges, custodians, and protocols, with D&O, E&O, Cyber, and Crime placed through Bermuda and Lloyd's specialty markets.

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I-03

Venture-Backed Startups

Founders insurance and startup coverage from Seed to Series C. The policies your investors expect, placed by brokers who speak fluent VC.

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I-04

Data Centers

Property, BI, and liability for mission-critical infrastructure, placed with carriers who understand uptime SLAs and redundancy.

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I-05

Physical AI & Hardware

Insurance for machines that act in the physical world, including drones, robotics, industrial automation, and autonomous vehicles. Product, liability, and technology coverage placed with carriers who understand autonomous hardware.

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I-06

Hard-to-Place Risks

Been declined? We access E&S, Lloyd's, and Bermuda markets purpose-built for the hardest-to-place risks.

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( 04 ) Insights

From the blog.

Plain-language guides on the coverage questions founders and finance teams ask us most. See all of our insights or look up a term in the insurance glossary.

Directors & Officers

Run-Off and Tail Insurance

What tail coverage costs, how it works after a sale or wind-down, and where limits quietly run out.

Read article →

Startups

Closing Your Round

How to get D&O insurance bound in time, because investors expect it before a round closes.

Read article →

AI & Emerging Tech

AI Liability Insurance

What it covers, the exclusions to watch for, and which companies need it as standard policies add AI carve-outs.

Read article →

Directors & Officers

Can a Founder Be Personally Sued?

What D&O insurance actually protects when a company fails and a lawsuit reaches personal assets.

Read article →

Risk Management

Certificate of Insurance Requirements

What clients, landlords and lenders require on a certificate, and how to avoid delays at signing.

Read article →

Claims & Coverage

Crime and Fidelity Insurance

Employee theft, social engineering and the sublimits that decide whether your claim gets paid.

Read article →

( 05 ) Common Questions

Common questions.

What is Alton Risk?

Alton Risk is a specialist insurance brokerage and risk partner for emerging technology companies. We are a retail insurance brokerage placing coverage (D&O, Cyber, E&O, and 15+ other coverages).

Can I get a quick quote for general liability or workers' comp?

Yes. For general liability and workers' compensation you can start a quote online in a few minutes by sharing basic details about your business, and we work with our carrier partners to return options. Timing, eligibility and pricing depend on your class of business, your state and each carrier's appetite, and not every product is available in every state. For more complex or hard-to-place risks, our brokers step in directly.

How does Alton Risk differ from a traditional broker?

We combine deep specialty expertise with technology-driven carrier matching. Our brokers read every policy 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.

Where can I get D&O insurance for my startup?

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.

What insurance does my startup need before raising a Series A?

Most VCs require D&O (Directors & Officers) insurance before closing a Series A. Many also expect Cyber liability and Tech E&O, and EPL (Employment Practices Liability). We map your current policies against typical investor requirements so nothing delays your close. See our venture-backed startups program.

What coverage do AI companies need?

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. See our AI & emerging tech program for details.

Do you work with high-risk or hard-to-place companies?

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.

How much does startup insurance cost?

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 →