Risklytics押注AI除外条款制造经纪商空档；YC S26启动登陆HN

做的是什么生意

A San Francisco commercial insurance brokerage for physical AI: it turns a six-question application into carrier-ready submissions, places coverage across hundreds of insurers, and reviews policy language line by line.

启动资金：YC's standard Summer 2026 deal: $125,000 for 7% plus $375,000 via an uncapped most-favored-nation SAFE; no separate round disclosed.

起因

Samuel Gold and Alexander Risio, on leave from Harvard, were already building insurance models when they noticed YC batchmates building robots, drones, and autonomous systems could not get covered — one robotics client was denied for using CAD software. They got a brokerage license in a week and launched Risklytics in August 2026, entering YC's Summer 2026 batch as a two-person company.

经过

Risklytics uses AI for intake — three to six questions become a draft application a customer reviews — but licensed producers handle placement and bind nothing automatically. It placed general liability, professional liability, cyber, D&O, commercial property, equipment, workers' comp, and umbrella coverage, earning commissions from carriers and charging applicants nothing. In its first week it helped three companies get covered after denials elsewhere, including a robotics wholesaler, a bridge-collision system, and a teleoperated robotics service, per its Launch HN.

可借鉴之处

监管空白可以成为产品：当现有企业用除外条款回应新风险并等待损失数据时，专业经纪商通过阅读文件在市场成熟前获得切入机会。