Practical guidance on D&O, Cyber, E&O, AI liability, and risk strategy for startups, AI companies, and high-growth tech.
Run-off and tail insurance extend the time you can report claims after a claims-made policy ends, but they do not add limit. How it works, what a six year D&O run-off costs, and the limit problem nobody mentions at closing.
Read article → Company NewsAlton Risk now offers a fully digital application for general liability and workers' comp, with a goal of a same-day quote and a certificate of insurance from top carriers.
Read article → Company NewsWhy a fintech newsletter called Alton Risk the grown-up Corgi: the difference between a broker and a risk-bearing insurtech, and why we chose to advise.
Read article → StartupsMost states require workers' compensation from a startup's first employee. When to buy it, where it fits in the entity setup sequence, the founder myths that cause gaps, and what a broker needs to quote it.
Read article → Risk ManagementA certificate of insurance proves your coverage to the third parties who require it. What clients, landlords, lenders, and investors actually demand on a COI—the coverages, limits, and the additional insured, waiver of subrogation, primary-and-non-contributory, and loss-payable endorsements that decide whether the certificate satisfies the contract.
Read article → Digital AssetsThe Senate's 49-50 vote leaves crypto funds under SEC and CFTC rules, not a statute. What that means for fund D&O, investment adviser E&O, crime and custody coverage, what underwriters and LPs will ask, and a CFO checklist for the next renewal.
Read article → AI & Emerging TechAI-driven claims are starting to appear just as standard policies add AI exclusions. What AI liability insurance covers, the generative-AI exclusions now written into Tech E&O, D&O, and general liability forms, how the 2026 regulatory landscape raises the stakes, what it costs, and who needs it.
Read article → Claims & CoverageCrime and fidelity insurance protects your own money, from employee theft to the social engineers who trick a team member into wiring funds. Why social engineering fraud is the coverage gap, and why the sublimit buried in an endorsement (often $25K to $100K) is the number that decides your claim.
Read article → Claims & CoverageTwo of the most important obligations in any liability policy work differently, trigger at different times, and carry different costs. Why the duty to defend is broader and triggers early, why the duty to indemnify is narrower and resolved later, and the policy terms, reservation of rights, hammer clause, defense inside vs. outside the limit, to check before you bind.
Read article → Wind-DownsClosing or selling doesn't end the lawsuits. Your D&O, EPL, E&O, and cyber policies are claims-made, so they stop responding the day they lapse. How tail (run-off) coverage keeps them alive for years, how long a tail should be, and why you can only buy it before you close.
Read article → Directors & OfficersA lawsuit can reach your personal savings, home, and family's money even if the company is gone, and even if you did nothing wrong. What Side A D&O coverage actually protects, and the fine print that leaves founders exposed.
Read article → Asset ManagementAI-washing enforcement, securities litigation, portfolio-company failures, and a split D&O rate market are reshaping fund risk. Why managers are consolidating professional liability, management liability, employment practices, and crime into a single Investment Management Insurance (IMI) policy.
Read article → StartupsDon't let D&O insurance delay your round. Investors require D&O before your round closes, and traditional placement can take weeks. Why the timeline breaks closes, what investors actually require, how a specialist broker moves at deal speed, and what D&O costs at the seed stage in 2026.
Read article → Risk ManagementThe product's approved, the price is agreed, then procurement sends the insurance clause. The coverages, limits, and endorsements (additional insured, waiver of subrogation, primary and non-contributory) enterprise customers demand, and how to be vendor- and client-ready before you sign.
Read article → Data CentersData center insurance is a program, not a policy, and its center of gravity is income, not real estate. What it covers, why business interruption is the biggest exposure, and the off-premises and equipment-breakdown gaps standard property forms leave open.
Read article → Intellectual PropertyYou don't need to own a patent to be sued for infringing one, and cyber, media, and E&O policies almost always exclude it. Five reasons a standalone patent infringement policy belongs in your coverage program this year.
Read article → Directors & OfficersFounders tend to think D&O is a public-company problem. It isn't. Claim frequency is rising, AI exposure is accelerating, and AI exclusions are starting to land in policy wordings, here's why coverage belongs on the board agenda now.
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