Valgo
Valgo is a YC Winter 2026 (W26) company. Based in San Francisco, CA, USA. Team of 3.
About Valgo
Summary
Valgo builds the risk quantification layer that lets insurers price coverage for autonomous trucks, robotaxis, and robots. Because these systems have almost no claims history, traditional actuarial methods cannot produce defensible rates. Valgo constructs probabilistic models of routes, tasks, and environments from first principles and outputs simulated loss estimates insurers can use to underwrite physical AI fleets.
Go-to-market
Insurers and autonomous vehicle operators are the target customers, reached through direct engagement with underwriting teams that need structured loss estimates before they can offer coverage for physical AI deployments.
From the Y Combinator listing
Insurance risk layer for physical AI
Insurers struggle to price autonomous systems because the historical data simply doesn't exist. Your car insurance draws from over 30 billion claims records, but autonomous trucks and robots have nearly zero. Valgo is the risk quantification platform that closes that gap. We are building probabilistic models of routes, tasks, and environments from the bottom up. We output a simulated loss estimate that insurers need to price coverage. Valgo is the foundational layer that gives insurance providers confidence to properly price autonomy risk. Our team combines expertise in risk estimation for autonomy with deep experience in the insurance industry. Sydney and Robert are Stanford PhDs with leading expertise in safety of physical AI systems. Sydney wrote the textbook on validating safety-critical systems and teaches the course at Stanford. Robert spent 7 years at MIT Lincoln Laboratory on the core team that designed and validated an FAA-certified aircraft collision avoidance system, now a worldwide standard. Jon is a Sloan Fellow from the Stanford GSB and an actuary who spent over 12 years in insurance leadership and led over $5 billion in M&A as head of corporate development for one of the largest insurers in Asia-Pacific.
Facts
- B2B / B2B -> Engineering, Product and Design
- San Francisco, CA, USA
- 3
- Active
- Early
Founders (2)
- Sydney Katz
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