# Risklytics > Risklytics is a commercial insurance brokerage for robotics, autonomous vehicles and hardware in the field. Risklytics, Inc. is a commercial insurance brokerage doing business as Risklytics Insurance Services, a licensed insurance producer, based in San Francisco and serving companies in the United States. Founders tell us what they build and where it operates in plain English at https://app.risklytics.ai/; licensed brokers place the program with insurers who cover autonomy and hardware explicitly, and read the policy wording before anything binds. Risklytics is a Y Combinator company. ## Who we serve Companies that put robots, autonomous vehicles, drones, AI software, hardware and spacecraft to work, from the first customer contract through scale. The reader is usually a founder or operator who knows the product and not insurance. ## Who we insure - [Robotics & Physical AI](https://www.risklytics.ai/solutions/robotics/): Machines working customer sites. - [AI Software & Agents](https://www.risklytics.ai/solutions/ai-software/): Models doing customer work. - [Hardware & Deep Tech](https://www.risklytics.ai/solutions/hardware/): Machines built on a bench, sold to customers. - [Drones & UAS](https://www.risklytics.ai/solutions/drones/): Aircraft, and the companies that build and fly them. - [Autonomy & Autonomous Vehicles](https://www.risklytics.ai/solutions/autonomy/): Vehicles and systems that drive themselves. - [Space](https://www.risklytics.ai/solutions/space/): Launch, satellites and in-orbit hardware. - [Defense, DoD & SBIR Contracts](https://www.risklytics.ai/solutions/defense/): Insurance a government contract asks for. ## Coverage lines (10) - [General Liability](https://www.risklytics.ai/lines/liability/): Covers injuries at your business location or damage your work causes to someone else's property. - [Professional Liability (Tech E&O)](https://www.risklytics.ai/lines/professional/): Covers you if your technology or service doesn't work as promised and causes a customer financial loss. - [Cyber Liability](https://www.risklytics.ai/lines/cyber/): Helps pay for costs if your business is hacked or customer data is stolen. - [Directors & Officers](https://www.risklytics.ai/lines/management/): Protects company leaders if they're sued over decisions they make running the business. - [Commercial Property](https://www.risklytics.ai/lines/property/): Covers your buildings, offices and the contents inside them. - [Equipment (Inland Marine)](https://www.risklytics.ai/lines/equipment/): Covers robots, rigs and gear in transit and on jobsites, wherever they work. - [Workers' Compensation](https://www.risklytics.ai/lines/workers-comp/): Covers your team if they're injured on the job. Required in most states once you have employees. - [Extra Limits (Umbrella)](https://www.risklytics.ai/lines/umbrella/): Extra limits above your liability policies for contracts that demand more. - [Intellectual Property](https://www.risklytics.ai/lines/intellectual-property/): Covers the legal cost of defending your patents, trademarks and trade secrets, and of claims that you copied someone else's. - [Space](https://www.risklytics.ai/lines/space/): Covers spacecraft before and during launch, once they are in orbit, and claims from anyone harmed on the ground. ## Guides - [All guides](https://www.risklytics.ai/guides/) - [Drone insurance for manufacturers and operators](https://www.risklytics.ai/guides/drone-manufacturer-vs-operator-insurance/): Why a drone company's liability sits on an aviation form instead of standard general liability, what a manufacturer buys versus a Part 107 operator, and what the sourced pilot-level prices say about cost. - [Product liability for hardware startups](https://www.risklytics.ai/guides/product-liability-for-hardware-startups/): What product liability covers for a company that ships hardware, why policies written for finished goods can exclude prototypes, and what demos, contract manufacturers and enterprise buyers ask you to carry. - [The certificate of insurance, explained for founders](https://www.risklytics.ai/guides/certificate-of-insurance-explained/): What a certificate of insurance is, what each box means, what additional insured and waiver of subrogation actually change, how fast one issues, and what to watch for before you send it. - [Your renewal added an AI exclusion. Now what?](https://www.risklytics.ai/guides/what-to-do-when-your-renewal-adds-an-ai-exclusion/): How to read a generative or absolute AI exclusion on a renewal, the steps to take before the renewal date, what a buy-back costs, and where affirmative AI coverage comes from. - [Insurance for AI agents](https://www.risklytics.ai/guides/insurance-for-ai-agents/): How to insure an AI agent that takes actions inside customer systems: which lines respond to a wrong action at scale, what tech E&O does and does not do for agents, and what to document before you apply. - [Insurance for a pilot program at a customer site](https://www.risklytics.ai/guides/pilot-program-insurance/): What the insurance exhibit attached to a warehouse, hospital, utility or factory pilot usually asks for, what is negotiable, how long the certificate takes, and what the pilot agreement should say about the unit. - [Insurance for humanoid robots](https://www.risklytics.ai/guides/humanoid-robot-insurance/): How a humanoid robot is insured: what bipedal machines in human spaces change for an underwriter, which lines respond, who holds liability when a model drives the body, and what the file needs to show. - [Decoding a contract's insurance requirements](https://www.risklytics.ai/guides/contract-insurance-requirements/): How to read the insurance clause in a customer contract or lease: what each required line and limit means by counterparty, what additional insured actually asks for, and what is negotiable. - [Mid-term contracts and your coverage](https://www.risklytics.ai/guides/mid-term-contracts-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. - [Why robotics applications get declined](https://www.risklytics.ai/guides/why-applications-get-declined/): What a declination actually means for a robotics, drone, autonomous-vehicle or hardware company, where each segment trips the wire, and how the same company gets placed on the second try. - [Insurance for AI startups](https://www.risklytics.ai/guides/insurance-for-ai-startups/): What commercial insurance an AI company actually needs, which lines respond when a model or agent causes a loss, what the program costs, and where AI exclusions change the answer. - [Insurance for robotics companies](https://www.risklytics.ai/guides/insurance-for-robotics-companies/): The lines a robotics startup needs before its first customer deployment, with typical contract limits, the segments underwriters treat differently, and where 2026 AI exclusions reach robots. - [The startup insurance checklist](https://www.risklytics.ai/guides/startup-insurance-checklist/): Which insurance an early-stage startup needs at each milestone and each funding stage, from first lease to Series B, and what each certificate request actually means. - [AI liability, explained](https://www.risklytics.ai/guides/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. ## Reference - [Glossary](https://www.risklytics.ai/glossary/): plain definitions of the insurance terms in a founder's policy. - [FAQ](https://www.risklytics.ai/faq/): direct answers to the questions robotics, AI and hardware founders ask about commercial insurance. - [AI exclusions tracker](https://www.risklytics.ai/ai-exclusions/): AI exclusions tracker, live, refreshed weekly. - [Pricing](https://www.risklytics.ai/pricing/): how premiums and broker fees work. - [About](https://www.risklytics.ai/about/), [Contact](https://www.risklytics.ai/contact/), [News](https://www.risklytics.ai/news/) ## Entity facts - Name: Risklytics (legal entity Risklytics, Inc.; doing business as Risklytics Insurance Services) - Type: commercial insurance brokerage (licensed insurance producer) - Area served: United States - Headquarters: San Francisco, California - Founders: Sam Gold, Alex Risio - Website: https://www.risklytics.ai/ - Application: https://app.risklytics.ai/ - Contact: hello@risklytics.ai - Profiles: https://www.ycombinator.com/companies/risklytics, https://www.linkedin.com/company/risklytics, https://x.com/Risklytics - Risklytics describes coverage in general terms; nothing on the site is a quote or an offer of insurance, and policy wording, underwriting and availability govern every placement.