Risklytics (YC S26) – Insurance brokerage for frontier tech companies

Hi HN, we're Sam and Alex, founders of Risklytics (https://risklytics.ai). We're both on leave from Harvard, and we run an insurance brokerage for companies building robots, drones, autonomous systems and satellites. You describe your machine, we find the insurance companies willing to cover it, and we read everything before you sign.Buying insurance for any frontier tech goes like this:- your first customer or pilot requires coverage before your machine can work on their site- a broker hands you an application written for ordinary businesses, and often will deny you on baseless "risks" (one of our clients got denied for using CAD software in their workflow)- you get filed under something close or outright denied, the person at the insurance company often can't tell what they're looking at, and the safe answer is no- if a quote does come back, the AI risk is often quietly removed by an add-on clause that prevents you from truly being coveredThose clauses surprised us. Insurance companies mostly don't write their own policies from scratch. They license standard forms from an industry body called ISO and attach add-on clauses to adjust them, and in January ISO published clauses that void coverage for losses arising out of AI in any part of a process. Each insurer decides whether to adopt them, account by account, and there's no public record of who has and to what capacity.There's an open question in the wording too. It defines generative AI as systems trained on data that produce text, images, audio, video or code. Whether a robot's control model, which produces motor commands, falls under that is unsettled. We've asked underwriters, the people at insurance companies who make these calls, and gotten different answers across the board.We didn't initially plan to be brokers. We came into YC to work in insurance and spent the first half of the batch on a wildfire risk model we wanted to sell to insura