ART Risk Financial and Insurance Solutions

What ART Risk Financial and Insurance Solutions does

ART Risk Financial and Insurance Solutions, Inc. is a privately held, licensed retail insurance agency headquartered in Valencia, California, specializing in insurance and financial risk solutions for the Assisted Reproductive Technology (ART) and surrogacy community. Founded in 2001 and operating under the dba ART Risk Solutions, the firm holds insurance producer licenses in all 50 US states and the District of Columbia, with appointments at multiple carriers including New Life Agency and Universal Family. The company has assisted more than 15,000 families on their paths to parenthood and places approximately 7,500 Donor and Recipient Complication policies, 2,400 Accidental Death and Term Life policies, and 300+ claims management cases per year.

The company's core product portfolio comprises four primary insurance lines — Donor and Recipient Complication Insurance ($100K-$1M coverage, $225-$550 premiums), Life Insurance and Alternative Options (up to $1M coverage), Maternity Insurance Options (ACA and private surrogacy-specific policies), and Newborn Insurance — complemented by an expanding suite of add-on service modules including Short Term Disability, Local Monitoring cost containment (averaging 30% savings), Policy Validation, ACA Policy Placement, Miscarriage/Stillbirth/Fetal Demise coverage, Medical and Newborn Claims Management (saving clients nearly $1.5M annually), The Newborn Resource cost containment, RxConnect prescription savings (50% average savings), and Professional Insurance Options (Professional, General, Cyber, and Malpractice lines). The firm's C.A.R.E. (Committed, Authentic, Resourceful, Effective) service model is delivered through dedicated Client Success Advisors who guide clients from gestational carrier match through policy placement and claims resolution.

ART Risk operates a B2B2C go-to-market, earning revenue primarily through insurance brokerage commissions on policies placed with carrier partners, supplemented by fee-based claims management and consulting services. Distribution is driven by referral partnerships with IVF clinics, surrogacy attorneys, and agencies globally, supported by self-service online application portals, conference presence at ABA, AAAA, and SEEDS events, and direct client consultation. The company is privately held with no disclosed institutional investors or parent company, consistent with a founder/independently owned boutique insurance agency operating in a specialized niche.

Name

ART Risk Financial and Insurance Solutions

Legal name

ART Risk Financial & Insurance Solutions, Inc.

Website

https://artrisksolutions.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

ART Risk Solutions is a licensed US insurance agency (all 50 states) specializing in ART and surrogacy insurance products — complication, maternity, newborn, and life coverage — plus claims management, serving intended parents, gestational carriers, and ART professionals since 2001.

Ownership category

akta.pro rank

Headquarters

HQ city

Valencia

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Commissions: The company earns commissions as a licensed insurance broker placing policies with multiple insurance carriers. They offer life insurance, accidental death policies, maternity insurance, newborn insurance, and complication insurance products.
2. Claims Management Services: Fee-based medical and newborn claims management services providing financial case management, bill negotiation, and claims processing for surrogacy journeys.
3. Consulting Services: Insurance consultation services for intended parents, gestational carriers, and ART professionals including policy validation and placement services.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

ART Risk Financial and Insurance Solutions is a licensed retail insurance agency that places specialized insurance products for the Assisted Reproductive Technology (ART) community through multiple carriers. The company offers core insurance products including Donor and Recipient Complication Insurance, Life Insurance and Alternatives, Maternity Insurance, and Newborn Insurance, complemented by add-on services such as claims management, policy validation, short-term disability, and cost-containment programs for intended parents, gestational carriers, and ART professionals.

Product overview

ART Risk Financial & Insurance Solutions offers a comprehensive portfolio of insurance and financial solutions specifically designed for the Assisted Reproductive Technology (ART) community. The company's product portfolio centers on five core insurance products: Donor and Recipient Complication Insurance, Life Insurance and Alternative Options, Maternity Insurance Options, and Newborn Insurance. These core products are complemented by multiple add-on service modules including Short Term Disability, Local Monitoring, Policy Validation, ACA Policy Placement, Surrogacy Maternity Insurance, Miscarriage/Stillbirth/Fetal Demise Insurance, Medical Claims Management, Newborn Claims Management, The Newborn Resource, RxConnect prescription savings, and Professional Insurance Options. The company acts as an insurance broker/agency placing policies through multiple carrier partnerships, offering both individual coverage components and integrated service packages for intended parents, gestational carriers, and ART professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Donor and Recipient Complication Insurance Coverage for potential expenses related to complications from egg donor retrieval and embryo transfer for intended parents pursuing surrogacy. Features zero deductibles, policy limits ranging from $100K to $1M, premiums from $225-$550, and a Loss of Reproductive Organs Additional Rider.
• Life Insurance and Alternative Options Term Life Insurance policies and Accidental Death alternative plans tailored to surrogacy contract requirements. Offers 10-year term life policies written in the Gestational Carrier's name and 18-24 month accidental death plans with up to $1M coverage.
• Maternity Insurance Options Personalized insurance consultations to determine optimal maternity insurance choices for surrogacy journeys, including ACA policy placement and private surrogacy-specific maternity policies not subject to ACA changes or exclusions.
• Newborn Insurance Insurance coverage for singletons or twins born in the U.S. or Canada through surrogacy, covering nursery stay, outpatient care, and medically necessary NICU medical expenses.
• Professional Insurance Options Competitively priced liability insurance options for ART professionals (attorneys, agencies, IVF clinics) through multiple carriers, including Professional, General, Cyber, and Malpractice policies.
• Medical Claims Management Comprehensive management of all medical claims and bills for the Gestational Carrier's journey from confirmation of pregnancy through end of contractual obligation, including Policy Validation per CA Law Family Code Section 7962.
• Newborn Claims Management Comprehensive financial management of newborn care minimizing exposure to risk. Includes personalized assistance for insurance coverage and payment of provider bills with transparent communication and advocacy.

Quantifiable outcome

• 7,500+ Donor and Recipient Complication policies placed per year
• +3 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• New Life AgencycoreStrategic or Co-development PartnerStrategic partnership for providing Donor and Recipient Complication Insurance policies. New Life Agency is the carrier providing the underlying insurance product while ART Risk serves as the broker placing these policies. This partnership enables policies covering complications from egg donor retrieval and embryo transfer.
• Universal FamilycoreStrategic or Co-development PartnerInsurance carrier partner for placing Donor and Recipient Complication Insurance policies. ART Risk serves as broker placing policies through this carrier as part of their multi-carrier portfolio approach.
• IVF ClinicscoreChannel Partner/ Reseller/ DistributorPartnership network with IVF clinics across the globe. Clinics refer their ART patients to ART Risk for insurance coverage and also utilize ART Risk's professional insurance products.
• Surrogacy Attorneys and AgenciescoreChannel Partner/ Reseller/ DistributorStrategic partnerships with surrogacy attorneys and agencies who refer their clients to ART Risk for insurance solutions. These professionals represent tens of thousands of clients globally and rely on ART Risk for expert insurance guidance.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Hub International: Large North American insurance brokerage with personal, commercial, and employee benefits practices. Comparable as a broad incumbent able to provide specialty placement and benefits brokerage in the ART space, though not specializing in surrogacy.
• Brown & Brown: Large U.S. insurance brokerage and consulting firm with specialty personal lines and benefits practices. Comparable as a broad incumbent competitor that can place specialty ART/surrogacy coverages as part of a wider product portfolio, though it does not specialize in the ART niche.
• Marsh McLennan: Global professional services firm with major insurance brokerage and risk consulting operations. Comparable as a broad incumbent that handles specialty personal and group benefits and could compete for ART insurance placement at scale, but does not focus on the surrogacy niche.
• Arthur J. Gallagher: Large global insurance brokerage with personal lines, benefits, and specialty practice areas. Comparable as a broad incumbent competitor able to place specialty coverages including professional liability and supplemental health products relevant to ART professionals and intended parents.

Emerging players

• Kindbody: Virtual and in-person fertility clinic and family-building benefits provider. Comparable because it sits in the same intended-parent and gestational-carrier journey, offering some surrogacy-adjacent services though primarily through clinical care rather than insurance brokerage.
• Progyny: Employer-facing fertility and family-forming benefits platform offering inclusive coverage for IVF, adoption, and surrogacy. Comparable to ART Risk because both serve intended parents navigating insurance and benefits for ART journeys, but Progyny sells to employers as a benefits solution rather than to individual intended parents as a brokerage.
• Maven Clinic: Digital family-building and reproductive health benefits platform serving employers with fertility, maternity, and parenting support. Comparable in addressing intended parents' and gestational carriers' insurance and care navigation needs across the surrogacy journey.
• WIN Fertility: Fertility benefits management company providing managed care, network, and pharmacy solutions for IVF and family-building. Comparable to ART Risk in serving fertility patients navigating complex insurance and reimbursement for ART procedures, with overlap in cost-containment and claims-adjacent services.
• Carrot Fertility: Global fertility and family-forming benefits platform covering IVF, adoption, surrogacy, and reproductive health. Comparable because it sits in the same family-forming insurance/benefits flow for intended parents and gestational carriers, though it operates as an employer benefit versus ART Risk's individual placement model.

Others

• New Life Agency: Specialty insurance carrier that underwrites the Donor and Recipient Complication Insurance product ART Risk places. It is a strategic counterparty in the same ART insurance value chain rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Customer concentration

• Xx.com/ARTRiskFIS
• Facebookfacebook.com/artriskfinancial
• LinkedInlinkedin.com/company/art-risk-financial-and-insurance-solutions

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ART Risk Financial and Insurance Solutions