Ardiga

Ardiga is excited to announced it has been selected to join the 2026 cohort of InsurTech NY's MGA Lab Program. #accelerator #MGA #emergingrisk #insurance Kelly Castriotta, Esq. William Briggs Thomas Harmeyer

Congratulations William Briggs and welcome to the team!

We've been quietly building something at Ardiga that we think changes underwriting for liability exposures, including insurance products with established patterns and those with emerging ones. AI liability is one of them. Most conversations about AI risk start with "what could go wrong." We started with a different question: where is harm actually happening, and where is litigation actually following? The answer is not what you'd expect. We cross-referenced multiple datasets of incidents and litigations and mapped both against a common risk taxonomy. A few things stood out: ✅ The incident-to-litigation ratio is highly uneven by category. Some harm categories are nearly fully litigated. Others have real, severe, documented harm with a fraction of the corresponding legal activity. That gap is where underinsured risk lives. ✅ Litigation is accelerating, albeit unevenly. One risk category grew from 20% of new case filings in 2022 to nearly 50% in 2025. It is not the category most people would guess. ✅ The defendant profile has shifted sharply. AI developer/vendors now account for nearly 60% of all cases, and that share grew 5.5x in three years. Downstream deployers are comparatively flat, and that has direct implications for who the natural insurance buyer is. ✅ Jurisdiction concentration is striking. Three courts handle roughly a third of all AI litigation in the US. One of them is almost entirely driven by a single state statute. We're not publishing the full analysis. But we are building insurance products around it: narrow, specific, and grounded in data rather than intuition. If you're a carrier, risk manager, underwriter, or broker thinking about AI liability exposure, we'd like to talk. Ardiga #AIRisk #InsuranceTech #EmergingRisks #LitigationIntelligence

Spent time this week at the Scout InsurTech Conference connecting with founders, carriers, reinsurers, investors, and operators across the insurance ecosystem. A lot of conversation in the market right now centers on AI, automation, and efficiency. What stood out to us is how much opportunity still exists around underwriting judgment, governance, and long-tail risk selection. Appreciative of everyone who spent time with the Ardiga team this week. Excited by the conversations ahead and increasingly confident in where the market is headed. Ardiga #insurtech #emergingrisk #longtaillines

Come meet the Ardiga team today at Scout InsurTech conference in Columbus, Ohio! Kelly Castriotta, Esq. William Briggs #insurance #insuretech

Insurance historically benefited from delay. Delay between action and consequence. Delay between error and discovery. Delay between governance failure and financial loss. Increasingly, that delay is disappearing while the tail on litigation-exposed lines lengthens. When people think about “emerging” risk, they often think about entirely new categories of exposure. Cyber was framed this way for years. Yet, the ensuing losses of cyber risk were not entirely unfamiliar: financial loss, business interruption, operational disruption, damage to systems, and loss of information. What changed was not simply the category of risk. It was the speed. A breach could propagate across systems instantaneously. An exploit could already be underway before coverage was bound. Risk could transfer before the underwriter and the policyholder even understood the exposure. That compression of time matters. Insurance structures, governance systems, and even legal frameworks were largely built around the assumption that there would be enough time to identify problems, investigate them, price them, and adapt. Increasingly, there isn’t. This is not unique to cyber. It is a broader feature of the modern risk environment. Even litigation, historically one of the slowest-moving forms of risk, is changing shape. The legal system itself remains procedurally slow: hearings, motions, travel, crowded dockets, delayed decisions. But the forces surrounding litigation have accelerated dramatically. Narratives now spread instantly. Plaintiff firms coordinate nationally. Litigation funding scales claims strategies. Regulatory reactions cascade rapidly across jurisdictions. Reputational damage often arrives long before legal resolution. Claims-made structures were, in part, an attempt to restore temporal order to long-tail risk. They created time for insurers to receive claims, assess emerging exposure, and reprice prospectively. But increasingly, the challenge is not simply long-tail uncertainty. It is that modern systems compress the distance between signal and consequence faster than institutions were designed to govern. The future of underwriting may depend less on understanding what happened historically and more on detecting how quickly risk can compound once it begins. The most important shift in modern risk may not be severity alone; it may be the collapse of time between signal and consequence. Underwriting frameworks built for slower systems are increasingly being asked to price a world that compounds faster than they were designed to observe. The challenge is no longer simply identifying risk. It is understanding how quickly risk can cascade once governance, technology, litigation, and operational systems begin interacting at speed. These are some of the ideas we have been thinking deeply about while building Ardiga. Ardiga #emergingrisks #litigationsignals #insurance

Our Founder's perspective on the AI risk paradox. Kelly Castriotta, Esq.

We proudly welcome Thomas Harmeyer to Team Ardiga.

There's a category of risk that doesn't announce itself with a hurricane or a ransomware demand. It builds quietly — through courtrooms, jury pools, and shifting legal doctrine — until one day a verdict lands and the industry discovers it has been holding far more exposure than it ever priced. Long tail risk is (re)insurance's most underestimated problem. And litigation intelligence is the tool that's been missing from the response. A few things I've been thinking about: → Social inflation is no longer cyclical. It's structural. → Loss development factors and IBNR reserves were built for a world where the future resembles the past. That world is gone. → The litigation data to see this coming exists. The industry has barely started using it. → The plaintiff bar has built sophisticated data infrastructure. The underwriting side hasn't caught up. Yet. The property industry built extraordinary tools for physical risk — satellite imagery, cat models, digital twins. Long tail liability deserves the same investment. That's what we're building at Ardiga. https://lnkd.in/ew5iqEEf