A private standard of protection, answerable only to you.
Soteria is an independent, member-paid private risk management collective for families with significant assets to protect. Carrier-free. Commission-free. Our engine, Iris, reads every policy and stands behind every claim — so every dollar your coverage promises arrives in full, and fast.
Brokers answer to carriers. Public adjusters are paid only after a disaster. Insurtech platforms monetize the member on the back end. Soteria takes no carrier overrides, no commission splits, no placement incentives, no data brokering. Our members are the only party who pays us — no carriers, no commissions, no third parties — so our alignment with you is contractual, not aspirational.
When a renewal comes, we are not protecting a carrier relationship. When a claim is filed, we are not worried about next year’s book. We optimize for one thing: that your policies pay what they promise.
The whole of a member’s life — reviewed in totality.
Business and commercial interests, personal assets, and the liability that spans both. Iris reads the entire Managed Insurance Value across your life — where traditional brokers work in silos that never speak to one another.
Business Interests
Operating companies, commercial real estate, aviation and marine, key-person and buy-sell structures — read with the same rigor as the home.
Personal Assets
Primary and secondary homes, collections, vehicles, watercraft — and the coverages wrapped around them, reviewed continuously.
On Both Sides
Umbrella, D&O, employment practices, professional liability — and the seam where a commercial event reaches the personal balance sheet.
Meet Iris.
In myth, Iris is the messenger who moves between the heavens and the mortal world, carrying wisdom faithfully from one to the other. Ours does the same — she reads what your policies promise, makes it legible, and stands beside a licensed advocate when it is time to collect.
She reads every policy
Iris reads the full policy suite the way a seasoned coverage expert would — every coverage, endorsement and exclusion — and cites the exact language behind each finding. What takes weeks, she does in minutes.
Licensed public adjusting, built in
Iris is paired with a licensed, nationwide public-adjusting function, so findings are executable, not theoretical. Gaps become remediation; a wrongful denial becomes a path back to coverage; a loss becomes a recovery, run on your behalf.
Your private assistant
Ask in plain English — “Am I covered if we rent the house?”, “Is my umbrella sized right?” — and Iris answers from your own policies, with citations, at any hour. Your strategist is always a tap away.
Unique to Soteria — not licensed from a vendor, not bolted onto a broker platform, and not available outside the Collective.
On the worst day, does the program do what you thought you paid it to do? Our work is to make the answer yes — well before that day arrives.
The moments that matter most.
Representative engagements — after a total loss, when a carrier wrongly denies, and before a loss ever happens. Names, addresses and identifying details are removed per our member-confidentiality standard; figures are directionally accurate.
Every dollar the policy promised.
Replacement-cost endorsements triggered with no depreciation holdback; 1941 construction forced full Ordinance & Law code-upgrade coverage; a four-month ALE advance secured under SB 872.
Four routes back to coverage.
A $19.8M all-risk policy denied on a temperature-extremes exclusion. Iris surfaced four independent paths — including “explosion” as a named peril for landscaping — plus a 25% bad-faith penalty statute. The carrier must defeat all four.
$8.2M in gaps, before any loss.
Four residences across three states. Iris surfaced a flood sub-limit exposure, a missing wildfire endorsement, and a fine-art schedule running $3.1M below appraisal — all closed before renewal.
Privacy is the foundation, not a feature.
Insurance done well requires a family to share its most sensitive information. Soteria was built to earn that trust — architecturally, not just contractually.
Every finding is signed by a licensed practitioner. SOC 2 and ISO 27001 sit on a published two-year roadmap. The technical detail behind every principle is available to your counsel or CISO under our Mutual NDA.
Read our Trust & Privacy commitments →Privacy by default
We collect only what we need. No third-party data, no marketing trackers, no analytics phoning home.
Encrypted & isolated
Each family’s documents live in a cryptographically separated space with its own key. Co-mingling is impossible by construction.
No secondary use
We never sell, share, or repurpose your data — and no AI provider is permitted to train on it.
Your data, your terms
Export or cryptographically shred every document, on request — written into the Member Agreement as a right.
Membership is earned through invitation and review, carried across generations, and treated as something to be protected. Insurable assets are a threshold, not a qualification — character, conduct, and fit with the community matter equally. A founding membership is carried across the family it protects — one generation up and one down.
Typically $10M+ insurable, with meaningful property, collection or portfolio exposure.
An introduction from a member, founding advisor, or trusted counsel.
Reputation, conduct and fit — evaluated before an invitation is extended.
A desire to participate across renewals and generations, not to transact once.
Three things. Never a document.
Your name, your email, and how you found us. Policy materials move only after a Mutual NDA is countersigned, through a single-use vault link issued personally by a Soteria principal.