Valgo is a risk quantification platform for insuring physical AI systems such as autonomous vehicles and robots. Because insurers lack historical claims data for these emerging systems, Valgo builds probabilistic models that generate simulated loss estimates, enabling insurers to properly price coverage for autonomy risk. The founding team brings deep expertise in safety-critical system validation from Stanford, MIT Lincoln Laboratory, and NASA, along with insurance industry leadership. Valgo is part of Y Combinator's Winter 2026 batch.