n ancient Rome, soldiers locked their shields together on all sides to form a mobile shell — resilient, coordinated, and built for collective protection under pressure. Named after the Latin word for “tortoise,” they called it a testudo formation. It was designed to make progress possible — even under threat. This is what our insurance does for enterprises.

That same principle underpins the history of insurance.

From ancient maritime risk pools to the founding of Lloyd’s in a London coffee house, insurance has always emerged to meet the needs of its era — financing global trade, railroads, aviation, and the internet. It’s one of humanity’s oldest and most powerful ideas:

Protect yourself from a loss you are unable or unwilling to bear yourself.

But for all its promise, AI brings uncertainty that most insurers can’t yet underwrite, and a volume of risk that most enterprises don’t yet understand.

At Testudo, we’re extending the tradition. We’re building the next layer of underwriting technology — one that allows AI to become a trusted, scalable part of the modern economy.

Our conviction is simple:

If you can insure it, you can scale it.

So, using first principles we’ve built the first active platform to identify, price, and cover AI liability — powered by real-world litigation data, actuarial modeling, and a team that knows how to move fast without breaking trust.

AI is the next frontier of insurance as we believe ultimately everything will become an AI risk.

And we’re here to define and underwrite it.