Your category is new. Your insurance does not have to wait.
Quantum technology startup investment reached $12.6 billion in 2025, a 6.3x increase over 2024. For technology categories that do not map cleanly to an existing insurance box, we build programs to be flexible from the start.
We underwrite the actual risk, not a category label.
How do emerging technology companies get insured?
Emerging technology companies, such as quantum, climate tech and biotech-adjacent software, are insured by assembling coverage around the actual risk rather than forcing a standard category fit. A program typically combines tech E&O, D&O, cyber, general liability and product liability. Alton Risk places these blended programs.
Categories moving faster than standard insurance
Quantum and climate tech investment is accelerating well ahead of standardized insurance categories catching up.
Global investment in quantum technology startups in 2025, a 6.3x increase over 2024, with the share from private capital rising sharply.
McKinsey Quantum Technology Monitor, Apr 2026
Climate tech VC investment in 2025, with exit value hitting $27.2B, the strongest since 2021, even as early-stage deal activity contracted.
PitchBook, Feb 2026
Sources: McKinsey, Quantum Technology Monitor 2026 · PitchBook, Q4 2025 Climate Tech VC Trends.
A bindable quote in three steps
Built for companies that do not fit a standard NAICS code or insurance category.
Describe what your company actually does.
We match you to the closest existing coverages and flag any gaps.
Select coverage and get a bindable quote.
Tell us what you do and we will figure out the coverage
Coverage built around your actual risk, not a category label
Five lines that can be assembled around a business model that does not map cleanly to an existing box.
Tech E&O
Claims that your product or service caused a customer financial harm.
D&O
Leadership coverage, typically required before closing a priced round.
Cyber Liability
Data breach and network security coverage.
General Liability
Third-party bodily injury or property damage claims.
Product Liability
Physical harm or property damage caused by novel hardware.
Common questions from emerging technology companies
What if my company does not fit a standard insurance category?
Emerging technology programs underwrite novel business models by looking at the actual risk rather than forcing a category fit. Traditional E&O buckets often fail to capture hybrid risks that cross conventional industry lines.
Is this more expensive than standard tech insurance?
Pricing depends on actual risk factors, not just category.
What categories does this typically cover?
Recent examples include quantum computing, climate tech hardware, and biotech-adjacent software, categories where investment is growing fast (quantum investment alone grew 6.3x in 2025) well ahead of standardized insurance products.
Why do standard insurance categories fail companies like these?
Standard buckets like E&O are often built around a single, clearly defined business model. A company that is part hardware, part software, part novel science does not fit neatly, so insurers end up building blended or custom policies instead.
What does emerging technology insurance typically include?
A typical program combines tech E&O, D&O, cyber liability, general liability and product liability, assembled around the company's actual risk.
Who places emerging technology insurance at Alton Risk?
Alton Risk is a commercial insurance brokerage founded in 2026 by former carrier-side underwriters. It places blended programs for emerging technology companies with specialist markets.
Built by operators, not outsiders
Alton Risk Insurance Services is a commercial insurance brokerage for companies building the future. It was founded in 2026 by Sophia Zaller, and the carrier-side underwriting experience behind our placements is the reason we know what a market will and will not accept. Technology speeds up our work, and the judgment comes from people who have priced and placed these risks.
Also serving AI companies broadly and physical AI and robotics companies at insureaicompanies.com and insurephysicalai.com.
Tell us what you do
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