Equinix Professional Risk replaces your traditional insurance broker with an AI-powered risk management team built for healthcare, legal, financial advisory, technology, nonprofit, manufacturing, food & beverage, and life sciences organizations — the businesses whose claims can become career-defining events.
Three capabilities work alongside you as your outsourced risk function — backed by the AI engine that reads every policy, claim, and regulation in your vertical so we deliver advice your broker never could.
Our AI engine continuously reads every policy, endorsement, claim record, and vertical regulation in your industry — then quantifies your exposure against real benchmarks. You see what your broker missed, before they do, and before the next renewal.
Outsource your risk function to advisors who specialize in your industry — physicians, attorneys, RIAs, healthtech operators, nonprofit executives, and manufacturing professionals. They understand exactly what you do, what you are exposed to, and what you do and don't need to buy.
Our AI engine ingests every policy, endorsement, claim, and vertical regulation — then continuously compares your coverage against carrier wordings, premium benchmarks, and exposure signals from your own operations. Our team gets superpowers. You get clarity.
Risk management is a multi-year posture, not an annual transaction. EPR engineers the plan once, then runs it for you continuously.
Our risk pod and AI engine analyze your firm's exposure across every line, contract, and regulation that matters in your vertical — then design a tailored plan that protects you today and outlines exactly what we will do as you grow.
We act as your continuous risk management team — placing coverage, issuing COIs, managing renewals, and ensuring you only pay for what you actually need. As you add locations, lines, or partners, the plan adapts the same day, not next renewal.
Our expert risk team manages the entire claims process — from intake within 24 hours to reserve oversight to carrier-conduct review. We translate every claim into specific operational improvements and compliance fixes that prevent the next one.
The PDF graveyard ends here. Every binder, endorsement, COI, application, claim, and renewal in one searchable platform — built so your finance and operations teams can stop chasing brokers and start running risk.
Learn more about the platformView, search, and manage every policy in a single platform. A clear, AI-readable record of every coverage detail and total cost.
Self-serve COIs with rule-based logic. Issue, request, and verify certificates in minutes with a complete audit log.
Every claim — intake, reserves, advisor notes, carrier correspondence — in one workspace. Outcomes feed back into your renewal strategy automatically.
Renewal applications and questionnaires that pre-populate from the platform. We do the typing; you do the reviewing.
Every invoice, premium installment, and audit credit accounted for in one dashboard, with finance-team exports.
Side-by-side carrier proposals before the renewal clock starts ticking. See the trade-offs, not just the premiums.
EPR is not a chatbot bolted onto a brokerage. Our intelligence layer compounds every audit, claim, and renewal into a defensible advantage for every firm we serve.
LLM-powered ingestion and semantic comparison of policy wordings, endorsements, and prior loss runs across every carrier in your panel.
HIPAA, state bar, FINRA, SEC, nonprofit governance, food safety, and manufacturing standards mapped to coverage triggers and claim scenarios per vertical.
EHR, billing, case-management, code-repo, operational, and SaaS signals continuously read for exposure drift between renewals.
Historical claims corpus + LLM analysis of demand letters, pleadings, and reserves. Defense-cost modeling at intake.
AI agents draft COIs, submission packets, BOR letters, and premium-audit responses — with human review at every boundary.
EPR is a vertical-deep risk OS. Hover any card to see what we cover. Each pod is staffed with advisors who have lived inside your industry's rules, claims, and regulators.
Medical professional liability, telehealth E&O, HIPAA compliance mapping, and value-based care risk programs.
Lawyers professional liability, cyber, trust-account exposure, conflicts & advertising rules, and state bar compliance overlay.
Investment Adviser E&O, fiduciary & cyber liability, and SEC and FINRA examination response programs.
Tech E&O, cyber, D&O, regulated-product coverage, and Series A–D risk programs for growth-stage companies.
Directors & Officers, employment practices, volunteer liability, grant compliance, and charitable solicitation risk programs.
Product liability, product recall, commercial general liability, workers' compensation, and supply chain risk programs.
Product liability, food contamination, product recall, liquor liability, and FDA/FSMA regulatory compliance programs.
Clinical trial liability, product liability, life sciences E&O, regulatory defense, and biotech D&O programs for emerging and mid-stage companies.
The risk function is judged on two things — what it pays for, and what it prevents. Here is both, from the firms running EPR today.
"EPR rebuilt our medical professional liability tower in thirty days. They identified a telehealth sub-limit our prior broker had ignored for three renewal cycles. The AI audit alone was worth the engagement."
"Our 78-attorney firm finally has a risk function. The compliance overlay alone — bar audit triggers mapped to our policy — was worth the engagement before we shopped a single line of coverage."
"The AI audit produced a defensible written thesis in 48 hours. Our renewal closed at a materially lower premium and with cyber sub-limits that actually match how our platform operates today, not in 2021."
"We hired EPR as our fractional risk officer. When the regulator opened an inquiry on a fee-disclosure issue, their team managed the entire response — defending a complaint that could have cost us our license in three states."
"They priced our renewal across seven A+ carriers, ran the negotiations, and held the line on retentions. Our previous broker had quoted us one carrier for nine years. We never knew what we didn't know."
"EPR understood our exposure in a way no generalist broker ever had. They built us a product recall and contamination program that finally reflected how our supply chain actually operates — and saved us significantly at renewal."
Thirty days. No carrier change required. You leave with a written risk thesis you own forever — whether you hire us or not.
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