The Y-Risk Approach
We specialize in coverage for evolving, technology-centric innovators. We approach each risk opportunity with a flexible and creative mindset to help protect disruptive companies as they grow.
Who We Serve
We serve growing companies with customized solutions that balance the retention, transfer and mitigation of risk. Our team works to understand each company’s risk exposure in the marketplace. We identify trouble spots, evaluate potential liabilities and help minimize concerns.
Our focus is on innovative, emerging technology-oriented companies and business models where people and businesses find new ways to buy, sell, share, borrow or deliver goods and services.
We help protect valuable assets and reduce the time and monetary impact of potential litigation. Both private and public companies of all sizes and all growth stages can benefit from Y-Risk's strategies.
We can help customize the following traditional coverage lines for digital innovators:
- Commercial General Liability
- Commercial Auto and Physical Damage Coverage
- Inland Marine
- Property
- Marketplace Cyber and Technology Platform Liability
- Workers’ Compensation (for select risks)
Y-Risk is a brand company of The Hartford and is an insurance intermediary, accepting business from select wholesale surplus lines brokers and retail agents. Y-Risk LLC may act as a licensed producer and/or surplus lines broker (doing business in California under the name “Insurance Services by Y-Risk”). Y-Risk LLC does not act as an agent, advisor or representative of the applicant or policyholder. Y-Risk underwrites and facilitates the offering of policies from one or more of the property and casualty insurance companies of The Hartford Insurance Group, Inc. In some case, the policies are written on a non-admitted or surplus lines basis by Navigators Specialty Insurance Company, Pacific Insurance Company Ltd. (except in CT and HI) and Hartford of Illinois Insurance Company in CT and HI. Eligibility for surplus lines insurance coverage is subject to state regulations and requires the use of a surplus lines broker. Surplus lines insurance policies are generally not protected by state guaranty funds. Coverage may also be offered on an admitted basis from Hartford Fire Insurance Company and its affiliates.