由哈佛辍学生Sam和Alex联合创立的Risklytics在美国推出了一项专为前沿科技公司设计的保险经纪服务1。作为YC S26批次的初创企业，该公司的目标客户涵盖机器人、无人机、自动驾驶系统以及卫星等领域的硬件公司1。在商业模式上，Risklytics不向客户收取经纪费，而是通过向保险公司收取10%至20%的佣金来实现盈利1。
今年1月，ISO发布了一项附加条款，允许保险公司撤销涉及AI流程的损失赔付，导致许多硬件公司难以获得保险覆盖1。为此，Risklytics通过提供结构化申请流程、保险公司AI条款地图以及透明的拒保原因反馈，帮助前沿科技公司成功获得保险1。在过去一周内，该公司已协助机器人批发租赁店、桥梁碰撞系统以及远程操作机器人服务公司等三家企业成功获得保险覆盖1。
Risklytics, a startup in the Y Combinator S26 batch, has introduced an insurance brokerage service tailored for frontier tech companies developing robotics, drones, autonomous systems, and satellites 1. The venture was founded by Sam and Alex, who are both Harvard dropouts 1. The founders identified a major industry roadblock, noting that the Insurance Services Office (ISO) released an endorsement in January that allows insurers to void loss payouts involving AI processes 1. This development has left many hardware companies struggling to secure insurance coverage 1.
To navigate this landscape, Risklytics assists tech firms in obtaining policies through a structured application process, a map of insurers' AI clauses, and transparent feedback on denial reasons 1. The company charges insurers a 10-20% commission and does not charge clients any brokerage fees 1. In the past week, the startup has helped three companies secure insurance coverage 1. These clients include a robotics wholesale rental store, a bridge collision system, and a teleoperated robotics service company 1.
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