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.

And we’re here to define and underwrite it.