# District Risk

- **Event:** [Small Business Innovation Sprint Hackathon｜ Plug and Play Foundation](https://cerebralvalley.ai/e/test-hackathon-25f870ea)
- **When:** Sat, Apr 25 at 9:00 AM – 9:00 PM (PDT)
- **Where:** Sunnyvale, CA
- **Team:** [Kush Ise](https://cerebralvalley.ai/u/KUSH2704)
- **GitHub:** https://github.com/Kush614/district-risk
- **Demo video:** https://www.loom.com/share/5530dbff48e2463aa74def2765480030
- **Gallery:** https://cerebralvalley.ai/e/test-hackathon-25f870ea/hackathon/gallery
- **Page:** https://cerebralvalley.ai/e/test-hackathon-25f870ea/hackathon/gallery/18

Urban small businesses in Oakland, SF, and San Jose are routinely denied commercial insurance — not because they're risky, but because risk information is
   incomplete, mitigation tools are underutilized, and underwriting is locked behind English-only paperwork that first-time and immigrant owners can't
  navigate. Brokers spend 14+ hours per submission gathering documents that often arrive incomplete; renewals re-rate without visibility; concentration risk
   hides until a fire on Telegraph hits four policies at once. District Risk is a continuous AI underwriting platform — one photo grades any storefront in
  90 seconds, generates an actionable Insurance Readiness Score in four languages with voice, and gives District Cover (the sponsoring MGA) a Palantir-grade
   ontology of their entire book with live reinsurance treaty cascade modeling.

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