End-to-end for brokers & carriers
Digital Solution for
an Analog Insurance World
Scale operations, increase margin, and digitise the transaction experience with ALTO's streamlined platform.
Our Products
Explore our comprehensive suite of insurance products, each crafted to provide robust coverage and peace of mind for a variety of complex risks.
Commercial Property - All Risk
Comprehensive property insurance covering a wide range of perils
UNDERWRITTEN BY
Various London Markets
Active Assailant
Coverage for businesses against losses resulting from active assailant incidents.
UNDERWRITTEN BY
Various London Markets
Sabotage & Terrorism
Protection against losses from acts of sabotage and terrorism.
UNDERWRITTEN BY
Various London Markets
Strikes,Riots & Civil Commotion
Coverage for damages due to strikes, riots, and civil commotion.
UNDERWRITTEN BY
Various London Markets
Cyber
Protection against cyber threats, data breaches, and other digital risks.
UNDERWRITTEN BY
Various London Markets
Flood
Specialized coverage for property damage caused by flooding.
UNDERWRITTEN BY
Various London Markets
Commercial Property - Named Wind Storm
Coverage for properties against damage from hurricanes, tornadoes, and other windstorms.
UNDERWRITTEN BY
Various London Markets
Deductible Buy Back
Reduces or eliminates the insured's deductible amount in the event of a claim.
UNDERWRITTEN BY
Various London Markets
About Us
ALTO isn't just digitizing insurance—we're reimagining it from the ground up.
Small and Medium Enterprise (SME) insurance represents a $110+ billion market opportunity, yet remains trapped in outdated processes and systems. We're changing that.
ALTO delivers an Apple-like experience to the insurance industry through our intuitive, seamless platform designed for both brokers and carriers. We leverage cutting-edge technology to transform fragmented, analog workflows into streamlined digital transactions.
Our proprietary data enrichment technology enhances every submission with over 700 additional data points, enabling unprecedented precision in risk assessment. Through advanced AI and machine learning algorithms, we automate underwriting decisions that once required manual intervention, dramatically reducing processing time while improving accuracy.
What truly sets ALTO apart is our commitment to innovation. Our hexagonal grid analysis divides geographic regions into precise units, allowing for sophisticated geospatial risk assessment that traditional systems simply cannot match. This approach doesn't just improve pricing—it revolutionizes how risk is evaluated in the SME sector.
By removing friction from the insurance process, we empower brokers to focus on client relationships rather than paperwork, while giving carriers the tools to scale profitably in a segment that was previously challenging to serve efficiently.
Meet Our Team
Ed Pomeroy
CEO & Founder
ed@alto-uw.com
Ed brings over 35 years of insurance market expertise to ALTO, having held key leadership positions at Lloyd's, Vibe Syndicate, Navigators Group, Barbican Insurance, and Markel International.
As Founder of Insurance Exchange (I.X.) and co-founder of LVA Logic, Ed has consistently pioneered digital solutions in the insurance space, making him the ideal leader for ALTO's technological vision.
At ALTO, Ed drives the development of our proprietary pricing and risk assessment technologies, combining traditional underwriting expertise with digital innovation to transform how SME insurance is transacted.
Chris Maddison
CTO & Founder
chris@alto-uw.comChris brings a wealth of technical expertise to ALTO as Chief Technology Officer, combining deep architectural knowledge with a proven track record of digital transformation initiatives across the insurance industry.
At ALTO, Chris leads the development of our cutting-edge digital platform, leveraging advanced technologies including AI, cloud computing, and data analytics. His extensive experience with Azure and insurance-specific systems enables ALTO to deliver seamless, efficient solutions for the SME insurance market.
Before joining ALTO, Chris led transformative projects at Howden Group and London Stock Exchange, implementing AI-powered document processing systems, real-time financial platforms, and enterprise search technologies that dramatically improved efficiency and decision-making speed across complex business environments.
Get In Touch
We'd love to hear from you! Whether you have a question about our platform, services, or anything else, our team is ready to answer all your questions.