One guided submission. Smarter carrier matching. Faster path to coverage.
Alera RiskPath is a guided commercial insurance placement platform for SMBs, growth companies, and emerging industries, from intake to bind, with the right pathway for every risk.
- Guided SMB onboarding
- General and specialty commercial coverage
- Carrier/API quote pathways
- Broker review for complex risks
- Built for emerging and traditional industries
From standard SMB to specialty risk
One placement platform that adapts to your industry, geography, size, and exposures.
Small businesses
BOPs, GL, WC, and cyber for offices, services, and growing teams.
Contractors & construction
Trade-by-trade GL, WC, auto, inland marine, and builder's risk.
Professional services
E&O, EPLI, and management liability for advisory firms.
Technology & SaaS
Tech E&O, cyber, D&O, and IP exposures for software companies.
Healthcare & life sciences
Med-mal, product, cyber, and clinical-trial exposures.
Logistics & transportation
Commercial auto, cargo, warehouse, and telematics-enabled options.
Retail, food & hospitality
BOPs and liquor liability with multi-location support.
Manufacturers
Product liability, property, equipment breakdown, and recall.
Emerging industries
AI, robotics, data centers, space, energy transition and more.
Suppliers & vendors
Fast contract-required COIs with automated requirement extraction.
Seven modules. One placement workflow.
RiskPath mirrors how brokers actually place coverage, from first intake to renewal, with a dedicated specialty pathway for frontier risks.
RiskPath Start
Guided new business intake, basics, industry, locations, payroll, exposures, and required documents.
RiskPath Match
Rules-based + AI matching to coverage lines, carrier appetite, API markets, and broker pathways.
RiskPath Submit
Transforms intake, documents, and underwriting answers into a clean, carrier-ready submission package.
RiskPath Bind
Quote comparison, subjectivity tracking, bind requests, e-signature, payment, and policy issuance.
RiskPath Certs
Certificates of insurance, additional insured, waivers, and contract-driven compliance.
RiskPath Renewal
Renewal tracking, exposure updates, policy gap reviews, quote comparison, and remarketing.
RiskPath Frontier
Specialty pathway for emerging industries, AI, data centers, space, energy transition, and beyond.
Every line a commercial buyer needs
Whether you're meeting a customer contract or building out a complete program.
Specialty placement for the industries building what comes next.
The emerging industries pathway within Alera RiskPath, for AI, data centers, robotics, space, critical minerals, advanced manufacturing, energy transition, climate tech, autonomous systems, and defense technology. Deeper specialty intake, underwriter-grade narratives, and direct routing to complex markets.
28+ markets. One connector layer.
From standard admitted carriers to digital MGAs and specialty E&S, we route each submission to the right pathway, API, semi-digital, or full broker review.
Browse carrier networkStop sending blind submissions.
Give your business, and your broker, a complete, structured, carrier-ready submission from day one.