[ { "id": 1003, "name": "WorldCover", "slug": "worldcover", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.worldcovr.com", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "WorldCover offers peer-to-peer investments that provide insurance to the global poor. We connect a growing pool of investors who seek uncorrelated investment returns and impact from their capital with a huge and growing need for natural disaster insurance in the developing world. \r\n\r\nWorldCover's platform improves food and income security for smallholder farmers in developing countries. More than 70% of the 2.5 billion people living at the “base of the pyramid” throughout the world rely on agriculture for income and sustenance. Farmers face a number of major risks to their livelihoods which they cannot control. Insurance gives them a sense of security even if they have a bad harvest, allowing them to improve their diets, invest in their farms, and send their children to school.\r\n\r\nIn an increasingly interconnected world, diversified markets are becoming harder and harder to find. WorldCover's investment products offer both retail and professional investors attractive yet uncorrelated returns with the world's financial markets.", "one_liner": "Funding platform for global insurance, starting with crop insurance…", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1447280416, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/worldcover", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/worldcover.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": null, "x_url": "https://twitter.com/worldcovr", "fb_url": "https://www.facebook.com/worldcovr", "cb_url": "https://www.crunchbase.com/organization/worldcover", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 102414, "full_name": "Christopher Sheehan", "title": "Founder/CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ctsheehan", "x_url": "https://twitter.com/evolsb", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6ddde5df493c3bb518938c0f429003feb8e25dc5.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1062, "name": "Cover", "slug": "cover", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8d5863fab7cb599616673d64029382203c934c08.png", "website": "http://cover.com", "all_locations": "San Francisco, CA, USA", "long_description": "Cover is an Android and iOS mobile application that allows its users to insure anything by taking a picture of what they need to insure. It partners with many insurance companies and brokers to provide its users with the best available rates. The application allows its users to insure vehicles, mobile phones, pets, jewelry, houses, boats, tours, and more. It was launched in Toronto, Ontario, Canada.", "one_liner": "The mobile-first insurance platform that makes insurance easy.", "team_size": 50, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1447747515, "tags": [ "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2016", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/cover", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2016/cover.json", "year_founded": 2016, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "https://twitter.com/cover", "fb_url": "https://www.facebook.com/cover", "cb_url": "https://www.crunchbase.com/organization/cover-5", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8d5863fab7cb599616673d64029382203c934c08.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 2316, "full_name": "Karn Saroya", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/saroya", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/590c3df27196a13ef03cca27f84414f77e5a833c.jpg" }, { "user_id": 116555, "full_name": "Anand Dhillon", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ananddhillon", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/19cdd815814e0ed05997379993a4f35640ea964e.jpg" }, { "user_id": 6176, "full_name": "Natalie Gray", "title": "Founder/Design", "founder_bio": null, "is_active": true, "linkedin_url": "https://ca.linkedin.com/in/natalieevagray/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/13e701216cc251545e966f5ff002f1e4f844550a.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1464, "name": "Ledger Investing", "slug": "ledger-investing", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3326697b08953d5914d07d4d39f5bca122a18fa8.png", "website": "https://ledgerinvesting.com/", "all_locations": "Washington, DC, USA; United States; Remote", "long_description": "Ledger Investing provides an exciting opportunity for asset managers, pension funds, hedge funds, family offices and other institutions interested in earning a great return through insurance investing.\r\n\r\nThe company deploys proprietary software and data analytics covering many types of insurance risk portfolios. The technology enables insurers to securitize risk more efficiently while providing investors, asset managers, pension funds, hedge funds, family offices, and other institutions an opportunity to invest in a new and growing asset class.\r\n\r\nLedger Investing was founded by Julien Brissonneau, Aymeric Rabot and Samir Shah in 2016.", "one_liner": "Marketplace for insurance securitization.", "team_size": 85, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1478194834, "tags": [ "Fintech", "Insurance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ledger-investing", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/ledger-investing.json", "year_founded": 2016, "city": "Washington", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ledger-investing", "x_url": "https://twitter.com/LedgerInvesting", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/ledger-investing", "github_url": "https://github.com/LedgerInvesting", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3326697b08953d5914d07d4d39f5bca122a18fa8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 150790, "full_name": "Samir Shah", "title": "Founder/CEO", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samir-shah-7410649", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8dacb177f8e9368c6a166e95196d19481f106eb9.jpg" } ], "jobs": [], "news": [ { "title": "Ledger Investing raises $75 million in Series B led by WestCap | by Julien Brissonneau | Ledger Investing | Medium", "url": "https://medium.com/ledger-investing/ledger-investing-raises-75-million-in-series-b-led-by-westcap-168443c659e3", "date": "Jun 22, 2022" }, { "title": "Ledger Investing raises $10m Series A to scale-up ILS offering - Artemis.bm", "url": "https://www.artemis.bm/news/ledger-investing-raises-10m-series-a-to-scale-up-ils-offering/", "date": "Sep 30, 2020" } ], "launches": [] }, { "id": 1471, "name": "Zinc Platform", "slug": "zinc-platform", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "http://www.zincplatform.com", "all_locations": "New York City, NY, USA; New York, NY, USA", "long_description": "Zinc Platform, Inc. is focused on providing software that digitizes the last frontier of the mortgage origination process– getting homeowners insurance. Zinc builds technology that integrates with the core systems of today’s modern mortgage lenders to power digital portals for borrowers to procure the homeowners (property) insurance that is required to close a mortgage. Zinc’s technology takes a broken, week-long process and turns it into a delightful five-minute experience. For borrowers, Zinc powers access to all of the nation’s leading insurance carriers. For mortgage lenders, Zinc ensures compliance with underwriting requirements while automating more of the mortgage closing process. Zinc is proudly built in New York City by passionate technologists and business strategists focused on making the process of buying a home a more simple, delightful experience", "one_liner": "Insurance Distribution Infrastructure", "team_size": 11, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1478194835, "tags": [ "Insurance", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2017", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/zinc-platform", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2017/zinc-platform.json", "year_founded": null, "city": "New York City", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/zinc-platform", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 136481, "full_name": "Sam Li", "title": "Founder", "founder_bio": "Sam is co-founder and CEO of Thoropass (f.k.a Laika), an information security compliance and audit technology startup backed by leading investors such as JP Morgan and Fin Capital.\n\nThoropass enables companies to get and stay compliant with information security and privacy standards, including SOC 2, ISO 27001, PCI DSS, HITRUST, HIPAA, and many others.\n\nBefore Thoropass, Sam was an EIR at Bain Capital Ventures after running Zinc Platform, a YC-backed insurtech startup as co-founder and CTO. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samsli", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b008a320d89ac9b135f12aaf9ced72ec30276192.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1576, "name": "Jerry", "slug": "jerry-inc", "former_names": [ "Jerry", "Jerry", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9257ab537c34ef4ee8f5d98bf4afb1793755e28.png", "website": "https://jerry.ai/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Your car and your home are your most expensive assets. And for most people, these aren't just purchases, they're the physical embodiment of the life you've worked hard to build. Yet the experience of owning them is stuck in the 90s. Every step of the journey — buying, insuring, maintaining, repairing, selling — is fragmented, complicated, and expensive.\r\n\r\nImagine having a trusted friend in your pocket who takes care of everything: they find you the right car or home at the right price, lock in the best insurance rate without you lifting a finger, remind you before that service appointment turns into an expensive repair or, worse, an accident, and help you sell at the best price when the time is right. That friend is Jerry.\r\n\r\nJerry is building the first AI agent to manage all your physical assets. We started with car insurance in 2019, became one of the top 3 brokers in the U.S., then added driving insights, diagnostics, and a repair marketplace. We've reached 5M+ customers, raised $240M+, and have been profitable since 2024. We're now expanding into home, motorcycle, RV, and beyond.\r\n\r\nWe’re fully remote with offices in Palo Alto, New York, Chicago, and Toronto.", "one_liner": "Jerry is building the AI agent to manage all your physical assets.", "team_size": 225, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1490767310, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? How did you come up with the idea? How did you decide to be a founder?)", "answer": "My co-founders, Lina Zhang and Musawir Shah, and I worked together at my previous startup, YourMechanic, a company that provides mobile automotive repair and maintenance services to vehicle owners at their location. Through that experience and our own personal, frustrating experiences with all car ownership hassles, we knew this was a category ripe for disruption. From determining what car to buy, financing a vehicle, finding insurance, licensing, titles, warranties, repairs, parking, and maintenance, we saw very clearly that services for car owners were lagging behind the ease and convenience offered in other industries. We wanted to remove the friction and make the transactions seamless and less expensive. The three of us set out to launch a product that would solve these hassles for car owners. We started with a car insurance compare-and-buy service that quickly gained traction _Since then we have helped more than 3 million customers shop for car insurance. We’ve also expanded our vision from a car insurance shopping site to a car ownership super app. That is because car insurance is just one of the expensive hassles car owners experience. Today, in addition to our car insurance marketplace, our app helps customers with auto refinancing, safe driving and more._" }, { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Owning a car is the second largest American household expense. And, so many components of car ownership are complicated and outdated, like buying insurance and refinancing an auto loan. It is a big problem because owning a car should make your life easier but in many ways it makes it more complicated. Through my own experience, I learned that owning a car is not the “American dream” I hoped it would be, but rather, it’s expensive, frustrating and time consuming.We decided to build a product that takes the frustration out of car ownership – starting with shopping for and buying insurance – and makes it easy to save. Through our AI-backed insurance marketplace, car owners can automatically shop from more than 55 top U.S. car insurance companies in 45 seconds and complete the transaction in minutes. This approach to revamping the insurance shopping experience worked and it saves Jerry customers, on average, more than $800 per year.We applied this same automated technology to our auto refinancing marketplace, which takes a typical end-to-end process of 19 days down to less than 48 hours. And our goal is to shrink that even further. _Through insurance and refinancing we’ve started solving the small problems that contribute to the massive frustration that is car ownership in the U.S._ " }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "The long term vision is to create a car ownership super app that supports drivers with all their expensive car hassles, saving them both time and money. Today, we do that through our car insurance and auto refinancing marketplaces, and we offer customers rewards for safe driving with our Drive Well, Earn Perks program. But these aren’t the only expenses drivers incur, which means there are many other opportunities for Jerry to support our customers, with things like maintenance, parking, and more._We want to solve all of those issues. When drivers no longer have to worry about car ownership hassles because they know Jerry is doing the work to save them time and money, we will have achieved our goal._" } ], "url": "https://www.ycombinator.com/companies/jerry-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/jerry-inc.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/jerryinc", "x_url": "https://twitter.com/thejerryapp", "fb_url": "https://www.facebook.com/thejerryapp", "cb_url": "https://www.crunchbase.com/organization/jerry-3", "github_url": "https://github.com/getjerry", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f9257ab537c34ef4ee8f5d98bf4afb1793755e28.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/34930044f8a05060a34c40e68d747618203e63a9.png" ], "primary_partner": { "name": "Garry Tan", "url": "https://www.ycombinator.com/people/garry-tan" }, "founders": [ { "user_id": 5707, "full_name": "Art Agrawal", "title": "Founder/CEO", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/artagrawal", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d05bbcbfec28aecd7655f2eed0f4f0d4dfbdcf2d.jpg" }, { "user_id": 178822, "full_name": "Musawir Shah", "title": "Founder/CTO", "founder_bio": "Hardware/software enthusiast, passionate about building highly usable, highly scalable products. Currently focusing on the art of running an efficient software engineering team, leading with code editor in hand.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/musawirshah", "x_url": "https://twitter.com/musawiralishah", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/43abfca5d95e7459b96f8b335af2d1765f9f16cb.jpg" }, { "user_id": 179634, "full_name": "Lina Zhang", "title": "Founder", "founder_bio": "Co-Founder at Jerry.ai, currently leading legal, people ops, and recruiting. \n\nPrior to Jerry, I scaled operations and supply at YourMechanic (YC W12). Before that, I was a biochemist-turned-attorney specializing in intellectual property and patents at Morrison Foerster. \n\nLifelong student and forever in pursuit of mastery. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lina-zhang-47324721", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/153a8663fcadcfd72a4d5380b6c0f7bb693e37c3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1611, "name": "SafeButler", "slug": "safebutler", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/273a5d6a8a8f380e355bc73ae05efdd041e810cb.png", "website": "https://www.safebutler.com", "all_locations": "San Francisco, CA, USA; Sunnyvale, CA, USA", "long_description": "SafeButler is a free comparison tool that searches hundreds of insurance websites at once to find the information you need to make the right decisions on insurance", "one_liner": "Your chief servant for shopping insurance", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1493266222, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/safebutler", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/safebutler.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/safebutler", "x_url": "https://twitter.com/safebutler", "fb_url": "https://www.facebook.com/SafeButler-1389857461160463/", "cb_url": "https://www.crunchbase.com/organization/safebutler", "github_url": "https://github.com/safebutler", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/273a5d6a8a8f380e355bc73ae05efdd041e810cb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 91639, "full_name": "Vincent Wei", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://linkedin.com/in/insuretech", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2afea5cbbb53f351ac2bb52eb2a2144dc3b98bbe.jpg" }, { "user_id": 5585, "full_name": "Nan Zhong", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nanzhong/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0e7abd8b90db580423809a8c9dd638f261fcd9e1.jpg" } ], "jobs": [ { "id": 31946, "title": "Software Engineer Intern", "url": "https://www.ycombinator.com/companies/safebutler/jobs/lAySXGXNP-software-engineer-intern", "location": "Remote (US)", "type": "Internship", "role": "Engineering", "role_type": "Frontend", "salary_range": "", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [ "CSS", "HTML", "JavaScript", "React" ] } ], "news": [], "launches": [] }, { "id": 1648, "name": "Surematics", "slug": "surematics", "former_names": [], "small_logo_thumb_url": "/company/thumb/missing.png", "website": "https://www.surematics.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Surematics is helping commercial insurance brokers structure complicated deals online. Homeowners and car insurance are enough of a nightmare for most of us to handle but Surematics is targeting even more difficult cases — awkward expensive items like oil rigs. With a dash of blockchain, the startup wants to allow companies to collaborate together to create enforceable contracts.", "one_liner": "We help commercial insurance brokers structure complicated…", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1493698224, "tags": [ "Blockchain", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/surematics", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/surematics.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": null, "x_url": null, "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/surematics", "github_url": null, "logo_url": null, "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 186124, "full_name": "Dan Hughes", "title": "Founder", "founder_bio": null, "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dan-hughes-2a6b117/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eec3d8a447f10eef8384eea490d44196d0876a92.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 1654, "name": "Newfront", "slug": "newfront-insurance", "former_names": [ "Abe", "Newfront Insurance (FKA Abe)", "Newfront Insurance (was Abe)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6d7ef9c80d04b0eeccadce07af72fa59e617fb84.png", "website": "https://www.newfront.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Newfront is building the modern insurance brokerage. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. We work with 20% of US unicorns, 100s of YC startups, and 150+ public companies on their Business Insurance and Total Rewards.\r\n\r\nHeadquartered in San Francisco, Newfront has more than 800 colleagues and offices throughout the US. ", "one_liner": "Modern insurance brokerage.", "team_size": 800, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1493701824, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": true, "isHiring": false, "nonprofit": false, "batch": "Winter 2018", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "How did your company get started? (i.e., How did the founders meet? 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His previous venture, Carcrew, was acquired by TVS Group, a large automotive conglomerate in India.", "one_liner": "Affordable insurance for the next billion Indians", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1615222466, "tags": [ "Fintech", "Microinsurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/bimaplan", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/bimaplan.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/bimaplan", "x_url": "https://twitter.com/bima_insurance", "fb_url": "https://www.facebook.com/bimaplan", "cb_url": null, "github_url": "https://github.com/bimaplan", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/34ed5c1ce09460f808ff16141b40921c2fce47a7.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 202762, "full_name": "Vikul Goyal", "title": "Founder", "founder_bio": "Vikul is the founder of Bimaplan which is building an affordable insurance platform for the next billion Indians. 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(*)\r\n\r\nOur team worked across the entire insurance value-chain: From satellite based underwriting to machine learning based pricing to instant quotation to WhatsApp based claims.\r\n", "one_liner": "Better Business Insurance for MSMEs in India", "team_size": 45, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1616840076, "tags": [ "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2021", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "India", "South Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/verak", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2021/verak.json", "year_founded": 2020, "city": "Bengaluru", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/verak/", "x_url": "https://twitter.com/VerakInsurance", "fb_url": "https://www.facebook.com/VerakInsurance/", "cb_url": "https://www.crunchbase.com/organization/bimape", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/855c741a332ef96bfff5cdcb2a2907b57709f104.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 579145, "full_name": "Rahul Mathur", "title": "Founder", "founder_bio": "Now: Pre-Seed Investor @ DeVC\nPrev: Founder @ Verak (acquired by InsuranceDekho)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rahul-jaideep-mathur/", "x_url": "https://twitter.com/Rahul_J_Mathur", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7ebce5400dc20560efa5ac80ce39979911926959.jpg" } ], "jobs": [], "news": [ { "title": "Insurtech startup InsuranceDekho acquires Verak, says CEO Ankit Agrawal | Mint", "url": "https://www.livemint.com/companies/start-ups/insurtech-startup-insurancedekho-acquires-verak-says-ceo-ankit-agrawal-11680647639156.html", "date": "Apr 04, 2023" } ], "launches": [] }, { "id": 23064, "name": "Tint", "slug": "tint", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7dde25caa0cd447568d68dc1fc85383b5f346ba8.png", "website": "http://www.tint.ai", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Tint makes it easy for tech platforms to embed insurance into their products. 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We provide programmatic building blocks to make this a reality, putting a carrier-neutral API and tooling on top of insurance, starting with policy access (think Plaid, but for your insurance company) and monitoring.\r\n\r\nOur technology has a variety of use cases that range from insurance verification and tracking, financial advising, compliance & risk management, and marketing/distribution of insurance products.", "one_liner": "Programmatic building blocks for transacting with insurance", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1624498844, "tags": [ "Fintech", "Health Tech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/covie", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/covie.json", "year_founded": 2020, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/covie-io", "x_url": "https://twitter.com/usecovie", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/covie-systems", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cab875f3e2be4c71042986d743255262bdafeda3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 233642, "full_name": "Trent Harvey", "title": "Founder", "founder_bio": "Motivated and forward thinking, I love to take on challenging problems and find innovative solutions to overcome them. I aim to inspire and lead others and hope that through my work I can move people, businesses and industries forward.\n\nMy background includes a mixture of IT support, software engineering, and product development. I began with open-source software initiatives at a very young age and developed a passion for creating. I would later turn that passion of creating into a career.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/trentharvey/", "x_url": "https://www.twitter.com/thetrentharvey", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/692d786e62be876f44cadbb403e5ad6e48a46e6c.jpg" }, { "user_id": 802041, "full_name": "Ian Littman", "title": "Founder", "founder_bio": "I like building reliable, scalable, maintainable systems, usually by writing code. Historically that's been for a variety of freelance clients, and I'm back to doing that now after a stint at Covie (S21). When I'm not building, I'm probably researching telecom or the airline industry, or maybe biking to a coffee shop to do those things.", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/ian-littman", "x_url": "https://twitter.com/iansltx", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b7b61e31d13c8891ef57d5a87f207e511024d584.jpg" }, { "user_id": 731335, "full_name": "William Dearie", "title": "Founder", "founder_bio": "", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/william-dearie-202403209/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3ea0174116d9ced75cc362cc56b2b00de830bfb4.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 24883, "name": "Amenli", "slug": "amenli", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/53c970feefecc4548819134d71b1abd7ba9457bc.png", "website": "https://www.amenli.com/", "all_locations": "Cairo, Cairo Governorate, Egypt", "long_description": "Amenli is the first licensed online insurance broker in Egypt. Egypt has one of the lowest insurance penetrations in the world with a 100m population and a $2B GWP market growing 20+% YoY and a potential TAM of $10B. Over the past few months, Amenli issued 500+ policies in less than 10 mins compared to the minimum of 3 weeks industry standard. Amenli co-founders, Shady & Adham were founding team members of Paymob, one of the fastest growing payment companies in MENA. Shady was CCO and Adham was its Tech Lead and they worked together for more than 3 years to scale-up Paymob from scratch to 50K+ merchants, 5 countries and dozens of millions of monthly transactions.", "one_liner": "Offers insurance to customers in a convenient & transparent way ", "team_size": 65, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1625593064, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2021", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Egypt", "Middle East and North Africa" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/amenli", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2021/amenli.json", "year_founded": 2020, "city": "Cairo", "country": "EG", "linkedin_url": "https://www.linkedin.com/company/69565615/admin/", "x_url": "", "fb_url": "https://www.facebook.com/Amenlicom", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/53c970feefecc4548819134d71b1abd7ba9457bc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 766531, "full_name": "Shady El Tohfa", "title": "Founder", "founder_bio": "Shady is Co-founder of Amenli, an insurtech startup in Egypt. Prior to Amenli, he was part of the founding team and CCO of Paymob since 2015 and helped the company reach tens of thousands of merchants, processing millions of transactions and with operations across 5 markets. \n\nHe also co-founded the Business Association at AUC. He was Entrepreneur-in-Residence at Skydeck, the startup accelerator of UC Berkeley in the US. Shady holds a B.A. in Business Administration from AUC.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shady-el-tohfa-13023258/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/09e25f8e2fca6fad8652542631d87ba01fa6cf29.jpg" }, { "user_id": 765187, "full_name": "Adham Nauman", "title": "Founder", "founder_bio": "Adham is Co-founder and CTO of Amenli, an insurtech startup in Egypt. Prior to Amenli, he was part of the founding team of Paymob where he helped build the infrastructure processing millions of transactions. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adham-nauman-a6882ba3/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a45e5c1e63069b461a39ebe83aa776d08981c939.jpg" } ], "jobs": [], "news": [ { "title": "YC-backed Amenli raises $2.3M to provide insurance to Egyptian consumers – TechCrunch", "url": "https://techcrunch.com/2021/10/05/yc-backed-amenli-raises-2-3m-to-provide-insurance-to-egyptian-consumers/", "date": "Oct 05, 2021" } ], "launches": [] }, { "id": 25309, "name": "PolicyFly", "slug": "policyfly", "former_names": [ "PolicyFly", "Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7570941b976b7bc56ac23e694bcfe99476db2d2d.png", "website": "https://www.policyfly.com", "all_locations": "New York City, NY, USA; Remote", "long_description": "PolicyFly empowers insurers to sell and manage specialty insurance in minutes instead of in weeks.\r\n\r\nEvery year, $200B of specialty insurance like Cyber, Flood or Trucking is processed over email between agents and insurers – PolicyFly connects both parties to automate these workflows and to consolidate all data. \r\n\r\nWe bring growth, efficiency and transparency to otherwise hard to insure markets.", "one_liner": "Modernizing Specialty Insurance", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1648055687, "tags": [ "Marketplace", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/policyfly", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/policyfly.json", "year_founded": 2018, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/policyfly", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/policyfly", "github_url": "https://github.com/policyfly", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7570941b976b7bc56ac23e694bcfe99476db2d2d.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 843839, "full_name": "Cory Crosland", "title": "Founder", "founder_bio": "CEO of PolicyFly\n\nPreviously started a digital product studio, Croscon. After the 4th insurance company asked us to build the same custom platform, we realized we needed to create it as a product and thus PolicyFly was born…\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/corycrosland/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/644416f41fc3fe36717b3dcced1af76d1dfed8ee.jpg" }, { "user_id": 867181, "full_name": "Marcel Esser", "title": "Founder", "founder_bio": "CTO @ PolicyFly. Judoka and jiujiteiro. Lover of coffee. Gearhead with gasoline in his veins. Soul saved by rock & roll.", "is_active": true, "linkedin_url": "", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f8098dc969c55434651f65507de9ccd93a76b462.jpg" }, { "user_id": 865840, "full_name": "Michael Fiedel", "title": "Founder", "founder_bio": "Co-Founder of PolicyFly and COO. I also Co-Founded InsurTech Ohio and Scout InsurTech, which allows me to better understand the ongoing evolution of insurance and the people pushing innovation in an industry I've come to love.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/michaelfiedel/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aebb899e4d6bda1260b3482f3e2658850c7da5f3.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 25319, "name": "Samos Insurance", "slug": "samos-insurance", "former_names": [ "Five1Nine" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b821add4b6477d2d702a875b345acf3070b04b8.png", "website": "https://www.samos.insure", "all_locations": "Kitchener, ON, Canada", "long_description": "Samos sells accidental death insurance for individuals undergoing surgery. Just like travel insurance but covering a hospital stay.", "one_liner": "Accidental Death Insurance for Surgery ", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1647802116, "tags": [ "Fintech", "Consumer Health Services", "Health Tech", "Healthcare", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/samos-insurance", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/samos-insurance.json", "year_founded": 2021, "city": "Kitchener", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/samosinsure/", "x_url": "https://twitter.com/samosinsure", "fb_url": "https://www.facebook.com/samosinsure", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0b821add4b6477d2d702a875b345acf3070b04b8.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 347879, "full_name": "Leon Punambolam", "title": "Founder", "founder_bio": "Accomplished & highly networked insurance executive with broad leadership, strategic, financial, tech, risk management & operational experience. Consistently chosen to lead strategic initiatives ranging from grassroots establishment of businesses, to being seconded as turnaround manager to bring business to the “next level”. A trusted strategist with a talent for translating broad concepts into clearly articulated business visions & fiscal objectives to drive business growth.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/leonpunambolam/", "x_url": "https://twitter.com/punambolam", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e9d4c52ba3bb591d1d3317275c34682595a87577.jpg" } ], "jobs": [], "news": [ { "title": "Samos launches insurance product for accidental death during surgery | BetaKit ", "url": "https://betakit.com/samos-launches-insurance-product-for-accidental-death-during-surgery/", "date": "Mar 16, 2022" } ], "launches": [] }, { "id": 25328, "name": "Momento", "slug": "momento", "former_names": [ "momento" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/38d68fb5813f3fe9c931fd72dc47dbabdd81f6fb.png", "website": "https://www.tumomento.com/", "all_locations": "Mexico City, CDMX, Mexico", "long_description": "In Momento we are going through a challenging regulatory process to become a fully-licensed insurance carrier. By doing so, we will be able to underwrite risk, set prices and, ultimately, become owners of the product.\r\n\r\nOnce approved, around summer 22, we will be in a great position to size the $13bn untapped opportunity of +30 Mn uninsured vehicles – just in Mexico! As we will be able to attack the main pain points in the market: i) antiquated underwriting models and ii) payment conditions only adapted for the affluent.\r\n\r\nTo succeed, we have assembled an elite team with both innovative and experienced profiles. We are three cofounders, two ex-McKinsey and one ex-P&G, and we managed to attract two heavyweights of the Mexican insurance industry: the previous CUO of Zurich Mexico and the previous CFO and VP of Finance of ING and AXA Mexico. 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During his tenure at McKinsey, Lois focused on serving Financial Institutions and Private Equity funds across Europe and the US.\nLois is an alumnus of ICADE (Universidad Pontificia de Comillas) where he studied Law and Business Administration.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lois-rogel-vence-54b49090/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f31e92d12e8f07bc83693f5e45ec3273caf8d080.jpg" }, { "user_id": 860835, "full_name": "León Bartolomé Carreño", "title": "Founder", "founder_bio": "León is co-founder at Momento.\nPrior to founding Momento, León was an Associate at McKinsey & Company, where he worked for 3 years. During his tenure at McKinsey, León focused on strategy projects in insurance companies and private equity funds as well as in operations improvement projects across industries.\nLeón is an alumnus of Imperial College London where he studied Mechanical Engineering (Master's level).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/le%C3%B3n-bartolom%C3%A9-carre%C3%B1o-2097a4107", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d6ae54e0e758325fd0371a5b84ba2eb5c6d3e075.jpg" }, { "user_id": 860781, "full_name": "Andrés Guerrero Álvarez", "title": "Founder", "founder_bio": "Andrés is Co-Founder at Momento. Prior to founding Momento, Andrés was e-Business Manager at P&G for 3 years, focusing con marketing and distributing FMCG products in the online channel. Andrés is an alumnus of Imperial College (BA), Warwick Business School (MA) and Carlos III University of Madrid (MA).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andres-guerrero-alvarez-116972146/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4b480139630b22f91a80ee83982d82510c157f5b.jpg" } ], "jobs": [], "news": [ { "title": "Rounds of the Week: Momento Seguros Raises $10.5 Million to Begin Operations", "url": "https://www.bloomberglinea.com/english/rounds-of-the-week-momento-seguros-raises-105-million-to-begin-operations/", "date": "Aug 04, 2023" } ], "launches": [] }, { "id": 25585, "name": "Armilla AI", "slug": "armilla-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0397658ae6c0ba5a9499d3b6844bdb898f09c38.png", "website": "http://www.armilla.ai", "all_locations": "Toronto, ON, Canada", "long_description": "Armilla AI (YC W22) is the first YC-backed MGA and Lloyd's Coverholder dedicated to insuring AI-related risks. Armilla's insurance policies cover developers and deployers of generative AI and AI agents for performance and liability -- from errors and hallucinations, to incorrect decisions, data leakage, regulatory violations and more.", "one_liner": "Liability insurance for generative AI and AI Agents ", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1642131883, "tags": [ "Generative AI", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Canada", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/armilla-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/armilla-ai.json", "year_founded": 2020, "city": "Toronto", "country": "CA", "linkedin_url": "https://www.linkedin.com/company/armilla-ai/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/armilla-ai", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a0397658ae6c0ba5a9499d3b6844bdb898f09c38.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 613937, "full_name": "Karthik Ramakrishnan", "title": "Founder", "founder_bio": "Karthik is the President and Chief Business Officer for Armilla AI. He previously led go-to-market teams at Element AI as VP. He led the AI solutions and strategy for financial institutions and regulators globally. Previously he co-founded Blu Trumpet (CTO) and Gallop Labs (CEO). At Deloitte, he helped set up the global product factory and AI offerings. He has authored and published one of the widely cited whitepapers on Fairness evaluation of AI models and AI Enterprise strategy.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/karthikramki/", "x_url": "https://twitter.com/_kramki", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a9f1f5d2faa4374576b3170953480a0a19f8de0f.jpg" } ], "jobs": [], "news": [ { "title": "Y Combinator and Yoshua Bengio-backed Armilla AI secures $6 million CAD in new funding | BetaKit", "url": "https://betakit.com/y-combinator-and-yoshua-bengio-backed-armilla-ai-secures-6-million-cad-in-new-funding/", "date": "Feb 21, 2024" }, { "title": "Armilla wants to give companies a warranty for AI", "url": "https://techcrunch.com/2024/02/15/armilla-wants-to-give-companies-a-warranty-for-ai/", "date": "Feb 15, 2024" }, { "title": "Armilla offers verification and warranties for enterprises using AI models   | VentureBeat", "url": "https://venturebeat.com/ai/armilla-offers-verification-and-warranties-for-enterprises-using-ai-models/", "date": "Oct 03, 2023" }, { "title": "Is Your AI Model Going Off the Rails? 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Raised $3.5 million from top VCs including YCombinator, Tencent, and Google. He leads product and sales at Curacel. Henry holds an Engineering degree. Previously, he spearheaded growth at 54Gene (YCW19) in the early days, securing major partnerships. At AmplifyPay, he led sales strategies, acquiring significant banking clients, laying the groundwork for Curacel.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/henrymascot", "x_url": "https://twitter.com/iamhenrymascot", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/29399af08c115351b743f68417bf16b0dfce6cf2.jpg" }, { "user_id": 570698, "full_name": "John Flash Dada", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/john-dada-16235b57/", "x_url": "https://twitter.com/DrFlash360", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e847cfe04ce09c75e73b67f980c64355fddf2736.jpg" } ], "jobs": [ { "id": 91494, "title": "Enterprise Account Executive - New (AI Pilled)", "url": "https://www.ycombinator.com/companies/curacel/jobs/rHtYUl8-enterprise-account-executive-new-ai-pilled", "location": "Lagos, LA, NG / Lagos, Lagos, NG / Nairobi County, KE / Cairo, Cairo Governorate, EG / Casablanca, Casablanca-Settat, MA / Cape Town, WC, ZA / Cape Town, Western Cape, ZA / Remote (Lagos, LA, NG; Lagos, Lagos, NG; Nairobi County, KE; Cairo, Cairo Governorate, EG; Casablanca, Casablanca-Settat, MA; Cape Town, WC, ZA; Cape Town, Western Cape, ZA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$12K", "equity_range": "0.05% - 0.50%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 107825, "title": "Enterprise Account Executive - New (AI Pilled)", "url": "https://www.ycombinator.com/companies/curacel/jobs/1FPUusI-enterprise-account-executive-new-ai-pilled", "location": "Lagos, LA, NG / Lagos, Lagos, NG / Nairobi County, KE / Cairo, Cairo Governorate, EG / Casablanca, Casablanca-Settat, MA / Cape Town, WC, ZA / Cape Town, Western Cape, ZA / Remote (Lagos, LA, NG; Lagos, Lagos, NG; Nairobi County, KE; Cairo, Cairo Governorate, EG; Casablanca, Casablanca-Settat, MA; Cape Town, WC, ZA; Cape Town, Western Cape, ZA)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$1.5K - $2K / monthly", "equity_range": "0.05% - 0.50%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [ { "title": "Nigeria’s Curacel raises funding to power insurance offerings and expand into North Africa • TechCrunch", "url": "https://techcrunch.com/2023/02/14/nigerias-curacel-raises-funding-to-power-insurance-offerings-and-expand-into-north-africa/", "date": "Feb 14, 2023" }, { "title": "Backed by Y Combinator and Kepple Africa Ventures, Nigerian insurtech startup Curacel unveils new product to support the distribution of insurance to Africans | Business Insider Africa", "url": "https://africa.businessinsider.com/local/markets/backed-by-y-combinator-and-kepple-africa-ventures-nigerian-insurtech-startup-curacel/qj7tzhm", "date": "Mar 11, 2022" }, { "title": "YC-backed Curacel unveils new API platform that enables tech-led businesses to offer insurance – TechCrunch", "url": "https://techcrunch.com/2022/03/10/yc-backed-curacel-unveils-new-api-platform-that-enables-tech-led-businesses-to-offer-insurance/", "date": "Mar 10, 2022" } ], "launches": [ { "id": 64527, "title": "Curacel Grow - Seamlessly add Insurance to your product", "tagline": "We help companies increase recurring revenues by offering digital, embedded insurance products to their customers", "body": "Hey there!\n\nHenry and Flash from [Curacel](https://www.ycombinator.com/companies/curacel) here, introducing **Curacel Grow** to you!\n\n**The Problem**\n\nTech-enabled companies want to offer insurance - to create additional value and build loyalty with their customers. They also see this as a secondary source of revenue.\n\nHowever, the process of making that happen today is extremely complex because the insurers don’t have the tools to make this happen seamlessly.\n\n**How does Curacel Grow solve this problem?** \n\nCuracel Grow  provides APIs and tools that enables anyone easily embed insurance products within other digital experiences. \n\nWith our API, any company can add any type of insurance to their product. Our API enables any digital business to display a real time insurance quote on their product, and their customers can complete a purchase without leaving the app.\n\n![uploaded image](/media/?type=post&id=64527&key=user_uploads/123045/08c0bda0-c628-45c6-ba1e-42b4fba6bde9)\n\n**Curacel Grow lets you:** \n\n* Increase Customer Lifetime Value\n* Increase Customer Loyalty\n* Increase Customer Retention\n\n**We’d love to hear from you!**\n\nWant to embed insurance quickly into your product? Book some time with us for a [demo.](https://www.curacel.ai/)\n\nFor any other questions or enquiries, feel free to send us an email at: [**grow@curacel.ai**](mailto:grow@curacel.ai)", "url": "https://www.ycombinator.com/launches/Gml-curacel-grow-seamlessly-add-insurance-to-your-product", "votes": 13, "created_at": "2022-07-11T22:52:50.635Z" } ] }, { "id": 25960, "name": "Clupp", "slug": "clupp", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/c36a2d5d5beb7bbd64012e028a1c2dfffa2b3fc9.png", "website": "http://clupp.com.mx/", "all_locations": "Mexico City, CDMX, Mexico; Remote", "long_description": "At Clupp, we offer innovative insurance solutions for underserved markets. 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MSc in Risk Management. Winner of the Mexican Insurance Research Award (2015), and winner of the Mexican Insurance Innovation Award (2017).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/omartronco/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e676941e161fd77000e74a6d1a88668c23a311a1.jpg" }, { "user_id": 422757, "full_name": "Marisol Sánchez", "title": "Founder", "founder_bio": "I'm cofounder at Clupp and I’m the Chief Operation Officer, so I’m in charge of everything related to claims and fraud detection. I'm an expert in insurtech in Mexico. I’m the president of the Mexican Insurtech Association.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/marisolsn", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8d673dedebba6acac31109c7ab6ecace05eb1f6a.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 26012, "name": "Postal", "slug": "postal", "former_names": [ "Plover Parametrics" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/911ebad4ffeccf83b0c6f626fa7f16fe4bb95679.png", "website": "https://usepostal.com", "all_locations": "New York City, NY, USA", "long_description": "Postal offers a modern virtual mailbox for businesses. Postal provides an official address for government, IRS, and vendor communications so companies don't have to use an apartment / shared office address.\r\n\r\nPostal's AI summarizes mail and recommends compliance actions, and its marketplace of service providers are ready to perform the mundane compliance work that otherwise falls through the cracks. \r\n\r\nCompanies get 6 months free (a $300 value), plus three free hours of compliance services (a $600 value). ", "one_liner": "An AI native virtual address & mailroom for businesses.", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1646246347, "tags": [ "Compliance", "Operations", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/postal", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/postal.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/use-postal/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/911ebad4ffeccf83b0c6f626fa7f16fe4bb95679.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 904889, "full_name": "Max Clarke", "title": "Founder", "founder_bio": "Max studied History at Northwestern and Law at the University of Michigan. He spent 4 years practicing law (M&A and insurance regulatory work) before moving to Palantir, where he led business development efforts and implementation teams at the DoD and federal civilian agencies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/max-clarke-029821b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/480bc7fa2c150294f5906e95ba42dcbe79b0ab0a.jpg" }, { "user_id": 908371, "full_name": "Tommy Peeples", "title": "Founder", "founder_bio": "Tommy studied Physics at Harvard. He spent over four years at Palantir working on projects in the Defense, Intel, and Commerce spaces. He’s also a classically trained violinist and directed the Harvard mariachi band.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tommy-peeples-253641124/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b7fc4503b049af79d8312e922445c0248c6c0bca.jpg" } ], "jobs": [ { "id": 92480, "title": "Founding SDR and Customer Success", "url": "https://www.ycombinator.com/companies/postal/jobs/aiZ4s8a-founding-sdr-and-customer-success", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$75K", "equity_range": "0.10% - 0.15%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 93475, "title": "CTO", "url": "https://www.ycombinator.com/companies/postal/jobs/4LDHfDt-cto", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200 - $250", "equity_range": "5.00%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 26242, "name": "Finnix", "slug": "finnix", "former_names": [ "Aigis" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/967086215a90a3a36d46b7d111b26a6b9df49c40.png", "website": "http://finnix.id", "all_locations": "Jakarta, Jakarta, Indonesia", "long_description": "Finnix is a financial technology solutions provider for Indonesian creative businesses. We provide loans and financial management tools for event organizers, agencies, concert promoters, and others.", "one_liner": "Financial technology solutions for Indonesian creative businesses", "team_size": 13, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1642180850, "tags": [ "Fintech", "Entertainment", "Music", "Creator Economy" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Indonesia", "Southeast Asia", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/finnix", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/finnix.json", "year_founded": 2021, "city": "Jakarta", "country": "ID", "linkedin_url": "https://www.linkedin.com/company/finnix-id", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/967086215a90a3a36d46b7d111b26a6b9df49c40.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/674f482a8587477268f1f035235eca3480b7618e.png" ], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 851923, "full_name": "Reinhart Hermanus", "title": "Founder", "founder_bio": "Ex software engineer turned into business and product management. Worked in the fintech industry since my early career.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/reinhart-hermanus-6a149115/", "x_url": "https://twitter.com/reinharthrm", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2971648f4ffd1be094426d339f44eb4c7dabc20c.jpg" } ], "jobs": [], "news": [ { "title": "Bukalapak founders, YC back Indonesian insurtech firm", "url": "https://www.techinasia.com/aigis-1-million-funding", "date": "May 12, 2022" } ], "launches": [] }, { "id": 26661, "name": "Stream", "slug": "stream", "former_names": [ "Beam" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4afa12f148d4692ca9eb6839e409ffa30655b470.png", "website": "http://www.stream.claims", "all_locations": "San Francisco, CA, USA", "long_description": "At Stream, we’re on a mission to modernize the insurance industry. Our product—the Stream AI Claims Workbench—uses custom AI agents to turn a constant stream of PDFs into automated workflows and high-value signals. This helps claims teams focus on the human work—getting people the medical treatment they need and the benefits they’re owed—while reducing costs for insurance companies.", "one_liner": "The AI Claims Workbench automating insurance claims ", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1656542941, "tags": [ "Fintech", "SaaS", "B2B", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/stream", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/stream.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/streamclaims/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4afa12f148d4692ca9eb6839e409ffa30655b470.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/fed200ffe2e7cf2ea0699b0a0c072fb967cc94aa.png" ], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 986387, "full_name": "Eilam Levitov", "title": "Founder", "founder_bio": "Co-founder and CTO of Stream Claims, the AI platform for insurance defense. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/eilamlevitov", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/03f8cd6b78b61ea29f348cf34437350494e0d99c.jpg" } ], "jobs": [ { "id": 65425, "title": "Staff Software Engineer ", "url": "https://www.ycombinator.com/companies/stream/jobs/YHRZT8i-staff-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$210K - $265K", "equity_range": "0.25% - 0.75%", "experience": "6+ years", "visa": "Will sponsor", "skills": [ "Amazon Web Services (AWS)", "Python", "TypeScript", "DynamoDB", "Machine Learning", "Serverless" ] } ], "news": [ { "title": "Stream secures $5.3M seed for workers compensation documentation", "url": "https://www.axios.com/pro/health-tech-deals/2024/10/09/stream-seed-workers-compensation", "date": "Oct 09, 2024" } ], "launches": [ { "id": 65582, "title": "Stream ~ modernizing the workers' comp claim process", "tagline": "Automating claim adjuster workflows and producing better claim outcomes", "body": "Hey there 👋 We’re [@Eric Yen](https://www.linkedin.com/in/yeneric/) & [@Eilam Levitov](https://www.linkedin.com/in/eilamlevitov/) founders of [Stream](https://www.stream.claims/) (S22).\n\n**tl;dr**\n\nThe two of us are insurance and tech veterans innovating in commercial insurance claims. At Stream we automate the high-touch workflows workers’ comp claims adjusters do on a daily basis. Our platform saves adjuster time spent on repetitive tasks like calling and faxing, allowing the adjuster to focus on the high-value claim activities that improve the injured workers’ claim experience and optimize financial outcomes for insurance companies.\n\n**The Problem** 🤕\n\nWorkers’ Compensation (WC) insurance is a government-mandated program that provides benefits to workers who get hurt on the job. When a workplace injury occurs, a claim is filed on behalf of the injured worker. This claim pays out for the wages and medical treatment needed to get the employee back to work.\n\nToday, claim adjudication is a grossly manual process which involves adjusters spending the majority of their day either on the phone tracking down information or entering unstructured notes into legacy systems. The average adjuster handles 140 cases at any single time and takes 5 business days to respond to inquiries from injured workers.\n\nConsequently, the Injured worker is left alone to navigate an unfamiliar and complex claims process. Imagine feeling vulnerable with no clue how your bills will be paid. This pushes injured workers to the brink and inevitably to the front door of their local injury lawyer. In states like CA & FL, over one third of all WC claims are litigated - and the moment an attorney gets involved, that claim balloons 5x in cost.\n\n**\\~ Stream**\n\n![uploaded image](/media/?type=post&id=65582&key=user_uploads/986387/9172c9b2-5a9e-4064-80b6-d180a335c129)\n\nThe two of us met at Next Insurance, where Eric led WC product and Eilam led Risk Engineering. Eric also previously worked at Liberty Mutual as a WC claims adjuster for 5 years. At Next, we realized nothing has changed since Eric’s days as an adjuster and none of the automation we were building for the underwriting side exists in claims management today. That’s why we left to build Stream.\n\n![uploaded image](/media/?type=post&id=65582&key=user_uploads/986387/9c055997-8925-4c23-b75b-7117213d6550)\n\n![uploaded image](/media/?type=post&id=65582&key=user_uploads/986387/b33699f2-0c61-43aa-a3fc-a98ddeca5c3f)\n\nStream saves up to 40% of an adjuster’s time spent on the phone, sending faxes, and manually typing notes into their claim system. Moreover, we also improve the claim experience for the injured worker by providing real-time information such as claim status and financial updates, and help facilitate services such as transportation to doctors offices - all via text.\n\n**Our ask**\n\nKnow anyone working in commercial insurance or with experience in claims processing? We’d love an intro!\n\n\\\nFeel free to reach out to us - [founders@stream.claims](mailto:founders@stream.claims)\n\n\\\nThanks,\n\nEric & Eilam\n\n[www.stream.claims](http://www.stream.claims)", "url": "https://www.ycombinator.com/launches/H3m-stream-modernizing-the-workers-comp-claim-process", "votes": 34, "created_at": "2022-08-23T19:30:31.281Z" } ] }, { "id": 26713, "name": "Pasito", "slug": "pasito", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/99d6144bd15df315cd76d735be86467d893d772a.png", "website": "https://pasito.ai", "all_locations": "New York City, NY, USA; Remote", "long_description": "Pasito builds AI agents for insurance and benefits—transforming how benefits are built, delivered, and experienced.\r\n\r\nOur Core AI ingests and understands plan documents and employee census data to build structured benefit intelligence.\r\n\r\nOur Engagement AI Agents orchestrate complex workflows—powering decision support, plan comparisons, guides, highlight sheets, microsites, communications, claims reminders, RFP management, document audits, translations, and more—all from a single intelligent database.\r\n\r\nWith Pasito, carriers, brokers, and benefits vendors eliminate manual work, accelerate growth, and deliver the personalized benefits experiences employees deserve—all powered by compliant, scalable AI systems.\r\n\r\nBacked by Y Combinator, Core Innovation Capital, and other leading investors.", "one_liner": "AI agents for insurance and benefits", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1657142710, "tags": [ "Health Tech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/pasito", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/pasito.json", "year_founded": 2021, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pasitoinc/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/pasito", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/99d6144bd15df315cd76d735be86467d893d772a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 685180, "full_name": "Pauline Roteta", "title": "Founder", "founder_bio": "Pauline is the co-founder and CEO of Pasito (YC S22). Before Pasito, she was a Senior Investor & Portfolio Manager at BlackRock. Pauline is a Certified Financial Planner®, CFA, Fulbright Scholar, and holds a B.Eng. from Vanderbilt University. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/paulineroteta/", "x_url": "https://twitter.com/PaulineRoteta", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a062a622527c1764563cea9ac9b714f2985d6355.jpg" } ], "jobs": [ { "id": 88004, "title": "Fullstack Engineer - UI", "url": "https://www.ycombinator.com/companies/pasito/jobs/YOwfhsH-fullstack-engineer-ui", "location": "US / AR / BR / CO / MX / Remote (US; AR; BR; CO; MX)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $170K", "equity_range": "0.05% - 0.15%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Node.js", "React", "TypeScript", "Next.js" ] }, { "id": 109817, "title": "Technical Product Owner", "url": "https://www.ycombinator.com/companies/pasito/jobs/ckQBGYP-technical-product-owner", "location": "AR / UY / BR / CO / MX / CL / Remote (AR; UY; BR; CO; MX; CL)", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$60K - $80K", "equity_range": "0.05% - 0.15%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 65910, "title": "Pasito - Saving companies and employees money on healthcare and payroll", "tagline": "We integrate payroll, financial, and claims data to optimize employee benefits coverage and utilization", "body": "**_Tl;dr:_** _Pasito uses personal health, payroll, and financial data to guide employees to elect and use their health and voluntary benefits. For companies, we drastically cut avoidable healthcare and payroll spending. For employees, we provide personalized guidance on their healthcare and benefits and save them time and money._ [_Connect with Pasito today._](https://joinpasito.com/)\n\n\\\nHi everyone, we are Pauline, Ignacio, and Julie and we're on a mission to improve financial and health outcomes for individuals and their families through smarter employee benefits elections and engagement.\n\n![](https://lh3.googleusercontent.com/7giIUNKO13jrLMyDx0uPrK4RUw-1oydIUD2hU9OKBjnmzA3uzPgvNQwBbwHEcanedgG8yBM3p_dO6c9USZ6rEfo6IipFoTHz0c1dL1hSu2tKXyxXL38uLZlB_q8q8aa_1rGz8Ks5say1sNxvJGsJOfkoyePM4h7xfJXO9bY6ZxoisJ7o065yFKY6ng)\n\n### **🧨 The Problem: Health and wealth benefits are a maze**\n\nEmployees blindly select their health and wealth benefits which means employees are often over-insured while under-saving for retirement. \n\nTake our client Sarah as an example. Sarah elects her company’s PPO health plan because she isn’t sure which option to choose. Based on her family’s income and health data, Sarah could have saved over $2,000 by electing and using an HSA-eligible health plan. These savings could have gone to paying for medical expenses, paying down debt, or saving for retirement.\n\nSince Sarah’s company pays 80% of health insurance premiums, they have also overspent $3,000+. \n\n### 🎉 **The Solution: Personalized benefits selection and engagement at scale**\n\nPasito saves companies money on healthcare and payroll by guiding their employees to make better and more efficient health and retirement benefits decisions. Our webapp uses company and personal data to optimize benefits coverage and help employees use their benefits year-round including: \n\n💼 Payroll data \n\n❤️ Health data \n\n🪙 Financial data \n\n👱🏽 Family data \n\n🏢 Benefits data \n\n![](https://lh4.googleusercontent.com/030tk1g9d968V-120hXBe5m-jxZMg2LhKWbhIU7CpTjlr_liNMDTlpgYYk0ehI7u2RSS2Wb8vpT_LAetNf1xRUMT5W9RQ1FIH69eTw21Uf87dEBGqVsG3veqIy7X6E7emdnCUaO71M2Wh41Dvc05bkU)\n\nUsing Pasito, **employees**: \n\n✔️ Save $2,000+ on average \n\n✔️ Finallyyyy understand how to use their benefits \n\nAnd **companies**: \n\n✔️ Save thousands (if not millions) of dollars on premiums, healthcare expenses, and payroll taxes \n\n✔️ Show the value of their full benefits package to employees and candidates\n\n✔️ Reduce the personal questions received from employees \n\n### \n\n### 💲**Opportunity: The thrilling scope and impact of our market**\n\nThere are 300 Sarahs in every company of 1,000 employees. That’s almost $1m in wasted health and benefits spend for Sarah’s company. \n\nAcross the US there are 48 million Sarahs and a mind-shattering $200+ billion is wasted each year from poor health insurance and benefits elections. This capital could instead be invested to deliver better financial and health outcomes, and to reduce the $190+ billion in US medical debt. \n\n \n\n### **👋** **Ask: How you can help**\n\n* Connect us to CFOs and HR leaders in your network. [Click here](mailto:pauline@joinpasito.com?subject=Connecting%20you%20to%20Pauline%20at%20Pasito). \n* Connect us to your insurance broker. [Click here](mailto:pauline@joinpasito.com?subject=Connecting%20you%20to%20Pauline%20at%20Pasito). \n* Give us product feedback as an employee user. Book a [15 minute demo here](https://calendly.com/juliescotland/15-minutes-pasito-demo-launch-yc?from=slack).", "url": "https://www.ycombinator.com/launches/H94-pasito-saving-companies-and-employees-money-on-healthcare-and-payroll", "votes": 274, "created_at": "2022-09-07T20:23:52.636Z" } ] }, { "id": 27260, "name": "Coverage Cat", "slug": "coverage-cat", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9bd0bbec7d523edd1bef0a7fed1c32a4c5e91d07.png", "website": "https://www.coveragecat.com/", "all_locations": "New York City, NY, USA; Remote", "long_description": "Coverage Cat, the AI-native insurance broker, fixes your coverage limits and finds cheaper premiums. \r\n\r\nWe provide both AI and human support so you can get fast answers on your policy and quickly get a response from a human agent so you can protect you assets or close on a new home. \r\n\r\nThe AI-first approach drives core search, support and shopping experiences to ensure you get the best prices with the correct coverage. ", "one_liner": "Consumer Optimized Insurance", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1659454514, "tags": [ "Fintech", "Machine Learning", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/coverage-cat", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/coverage-cat.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/coverage-cat", "x_url": "https://twitter.com/coveragecats", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/coverage-cat", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9bd0bbec7d523edd1bef0a7fed1c32a4c5e91d07.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1047431, "full_name": "Max Cho", "title": "Founder", "founder_bio": "I once knocked my teeth out and spent the next few weeks reading insurance policies to try to pay for their replacements. Prediction tasks with software and data are my jam. I love studying why people do what people do, esp. with ads & marketing.\n\nPreviously: Marketing products @ Google, financial prediction software @ Two Sigma, and catching software exceptions @ Microsoft. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/max-cho-0a376a24/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ba94ef687ad8abdeed36a551eb2f5d11a42d83c9.jpg" }, { "user_id": 123258, "full_name": "Gabriel Botelho", "title": "Founder/CTO", "founder_bio": "Co-founder and CTO @ Coverage Cat. \n\nShop for umbrella and home insurance at www.coveragecat.com! ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gb-cc", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/32db7698c55b453d919d3891cce7d25bd1d9d225.jpg" } ], "jobs": [ { "id": 60678, "title": "[PAUSED] Senior Engineer", "url": "https://www.ycombinator.com/companies/coverage-cat/jobs/rOkcL9B-paused-senior-engineer", "location": "CA, US / Remote (CA, US)", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K", "equity_range": "0.05% - 0.50%", "experience": "6+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 88545, "title": "[PAUSED] Fractional Operations Specialist (Contract)", "url": "https://www.ycombinator.com/companies/coverage-cat/jobs/TH81d0Y-paused-fractional-operations-specialist-contract", "location": "Remote (US)", "type": "Contract", "role": "Operations", "role_type": null, "salary_range": "$10 - $15 / hourly", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 94308, "title": "[PAUSED] Growth Engineer (Contract)", "url": "https://www.ycombinator.com/companies/coverage-cat/jobs/NJXH199-paused-growth-engineer-contract", "location": "Remote", "type": "Contract", "role": "Engineering", "role_type": "Full stack", "salary_range": "$15 - $25 / hourly", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizenship/visa not required", "skills": [ "Growth design" ] } ], "news": [ { "title": "How Silicon Valley Turned on Silicon Valley Bank - WSJ", "url": "https://www.wsj.com/articles/how-silicon-valley-turned-on-silicon-valley-bank-ee293ac9", "date": "Mar 12, 2023" }, { "title": "The biggest moonshots in YC's S22 batch • TechCrunch", "url": "https://techcrunch.com/2022/09/08/the-biggest-moonshots-in-ycs-s22-batch/", "date": "Sep 08, 2022" }, { "title": "Coverage Cat is backed by YC", "url": "https://www.coverager.com/coverager-cat-is-backed-by-yc/", "date": "Aug 03, 2022" } ], "launches": [ { "id": 116242, "title": "Shop for umbrella insurance via your personal agent (Muse, Instinct, OpenClaw, Hermes, etc.)", "tagline": "Your agent + Coverage Cat's API/MCP = better insurance", "body": "![uploaded image](/media/?type=post&id=116242&key=user_uploads/123258/c95ab970-fa7e-4c6c-b106-0343c5321734)\n\nWe’re proud to release our agent-native solution for consumers to compare and shop for umbrella and home insurance.\n\nPoint your preferred agent (Instinct, Codex, ClaudeCode, OpenClaw, Hermes, Jo, etc.) or any tool-using assistant (ideally with access to your context). Just tell it to:\n\n`Shop for umbrella insurance with Coverage Cat`\n\nOr, point it at [coveragecat.com](http://coveragecat.com) and tell it to do the same. What used to be a week of forms, phone tag, and PDF underwriting shrinks to a minimal prompt, review of your information, and credit consent.\n\nYour agent gathers your context, calls the calculators, compares carriers, and delivers a bindable quote — the complex, cross-carrier judgment call happens where it belongs: inside the loop with you and your AI, not on hold with a sales person.\n\nIt will pre-fill applications from what it already knows about you, ask for your review and confirmation, then hand back a resumable checkout link — all in a single conversation.\n\nWant something more packaged? Check out other agentic interface access options below:\n\nBrowse the catalog at [coveragecat.com/ai/skills](https://www.) or the source at [github.com/Coverage-Cat/skills](https://github.com/Coverage-Cat/skills).\n\nWant to use our MCP? Install it up and get access to both the comparison/purchase tools as well as read-only calculators, agent finders, and estimate tools — discovery lives at [coveragecat.com/api/agent](https://www.coveragecat.com/api/agent), the OpenAPI spec is at [coveragecat.com/api/agent/openapi.yaml](https://www.coveragecat.com/api/agent/openapi.yaml).\n\nPower users can install the CLI for operators:\\\n`npm install -g @coveragecat/cli # npm`\n\nor via Homebrew\n\n```\nbrew tap Coverage-Cat/coveragecat && brew install coveragecat # Homebrew\n```\n\nWant your agent to check out our broader developer portal? .\n\nHappy shopping!", "url": "https://www.ycombinator.com/launches/UEs-shop-for-umbrella-insurance-via-your-personal-agent-muse-instinct-openclaw-hermes-etc", "votes": 4, "created_at": "2026-09-22T15:38:06.824Z" }, { "id": 106902, "title": "Coverage Cat AI Insurance Leaderboard", "tagline": "How do frontier models perform on complex insurance tasks?", "body": "# Coverage Cat AI Insurance Bench\n\nWe’re Coverage Cat. We built an AI insurance benchmark to measure how frontier models perform on real insurance workflows, not trivia or generic reasoning tasks.\n\n### TL;DR\n\n![uploaded image](/media/?type=post&id=106902&key=user_uploads/123258/e54c9091-f0a5-4500-b9f8-125255d46418)\n\nCoverage Cat’s AI Insurance Benchmark compares 7 frontier models on two insurance-specific evals:\n\n* Price estimation: can a model estimate umbrella insurance quote ranges accurately?\n* Brokerage/Agent task: can a model answer practical insurance questions the way a good broker or agent would?\n\nThe public leaderboard ranks models by Elo Rating, Win Rate, Quote Coverage, Quote MAPE, Winkler Loss, and judged brokerage-task quality.\n\nView it here: Coverage Cat AI Insurance Benchmark ()\n\n### The Problem\n\nMost AI benchmarks don’t tell you whether a model is useful inside a real insurance workflow or whether consumers can really trust it for insurance information.\n\nInsurance work is full of messy edge cases: pricing uncertainty, underwriting rules, coverage terminology, household risk factors, and questions where the answer needs to be both correct and concise.\n\nThere has been good prior work on insurance AI benchmarks, including UNDERWRITE, which evaluates multi-turn underwriting agents with domain experts, noisy tools, and simulated users. That work focuses on enterprise underwriting agent behavior and found meaningful gaps between general model performance and enterprise readiness.\n\nOur benchmark is different: it focuses on consumer insurance workflows Coverage Cat actually needs to automate, including umbrella quote estimation and broker/agent-style answers. It is also designed as a public, continuously updated leaderboard rather than a one-time research benchmark.\n\n### What We Built\n\nThe first public version includes:\n\n* 2,800+ price-estimation scenarios\n* 19,000+ quote model results\n* 1,200+ brokerage/agent task questions\n* 8900+ QA model results\n* 7 tested models\n\nThe benchmark uses anonymized eval data, no-retention/no-logging model platforms, and aggregate-only public snapshots. Customer data is not exposed to model providers.\n\n### What’s Next\n\nWe’ll update the leaderboard soon with newer frontier models as they become available through our approved model-provider paths. We also expect to expand the benchmark with more brokerage workflows, richer human review, and additional insurance product lines.\n\nOur goal is simple: make it obvious which AI models are actually good at insurance work and help those models improve.\n\nView the leaderboard: Coverage Cat AI Insurance Benchmark ()\n\nIf you’re shopping for umbrella coverage, you can also start here: Coverage Cat Umbrella Insurance ().", "url": "https://www.ycombinator.com/launches/RoE-coverage-cat-ai-insurance-leaderboard", "votes": 2, "created_at": "2026-07-22T22:45:07.812Z" }, { "id": 92734, "title": "Coverage Cat: Your AI-Native Insurance Agent", "tagline": "Insurance questions cause headaches. Coverage Cat is the relief.", "body": "Coverage Cat, the AI insurance agent, answers any questions you might have about home, auto, umbrella, life, and disability insurance. No more waiting on hold or puzzling over policy jargon. Coverage Cat's assistant can help you figure out if you should buy that policy, file that claim, or shop around for a better price at the click of a button.\n\n---\n\n## Expert Answers for Home, Auto, and Umbrella Insurance\n\nCoverage Cat is trained to provide the right answers about personal lines coverage:\n\n* **Home Insurance**: Learn what your policy covers, from water damage to liability limits.\n* **Umbrella Insurance**: Understand when and how your extra liability protection kicks in.\n* **Auto Insurance**: Get clear explanations on coverage. Never worry about what collision or comprehensive mean again.\n\n---\n\n## Policy Reviews Powered by AI\n\nDon't get bamboozled by the fine print. Just upload your insurance documents, and Coverage Cat examines policy terms to highlight important coverage details.\n\n---\n\n## Estimates for Claims and Coverage\n\nCurious about how a claim or coverage change might impact your premiums? Coverage Cat can create estimates based on specialized tools tools to offer cost and claims insights. Understand your financial exposure before you make your decisions!\n\n---\n\n## Coverage Cat Saves You Time and Money\n\nComplexity benefits insurers, not policyholders. Coverage Cat leverages our rich insurance data sets to create price transparency, and put valuable information into your hands.\n\n---\n\n## Easy Insurance Conversations Start Now\n\nInsurance need not frustrate. Coverage Cat turns your questions into straightforward answers. Clarity makes all the difference when dealing with a stressful part of your personal finances.\n\n---\n\n## Try Coverage Cat Today!\n\nJust visit us at [coveragecat.com](http://coveragecat.com) where you can get answers and shop for insurance.\n\n![uploaded image](/media/?type=post&id=92734&key=user_uploads/123258/9fdcf95e-d78a-44c5-956f-5ea7d8728fed)\n\n", "url": "https://www.ycombinator.com/launches/O7i-coverage-cat-your-ai-native-insurance-agent", "votes": 13, "created_at": "2025-08-05T02:01:00.343Z" }, { "id": 65072, "title": "Coverage Cat - Insurance For People Who Don't Believe In Insurance", "tagline": "The Best Way to Buy Umbrella/Home/Life/Disability/Auto Insurance", "body": "Do you have any of: a net worth over $1million; a house; a car; a high paying job? Then Coverage Cat is the best way to buy insurance. We provide **real quotes**, aggressively comparison shop for you across policy types, and **never sell your data**. The result is thousands of dollars saved and weeks of work and phone calls.\n\n![uploaded image](/media/?type=post&id=65072&key=user_uploads/123258/92e2c8d5-44e3-4cf8-9df6-2ddecf5f19a4)\n\n### Fill out one form and we handle the rest\n\nDon’t waste another minute getting harassed by spam/sales people or figuring out if you bought the right policy. We will shop for you, explain your options, and ensure you get you the best policy for your needs. \n\n* Need umbrella insurance? Shop and learn on our [explainer page!](https://www.coveragecat.com/umbrella-insurance)\n* Need home, car, life, or disability insurance? Visit our [homepage](https://coveragecat.com).\n* Want to learn more about insurance? Check out our [blog](https://www.coveragecat.com/blog).\n* Live in California or Florida and worried about a price jump or non-renewal on your homeowners insurance? See our reviews of carriers that are still underwriting in both states: [Delos \\[CA\\]](https://www.coveragecat.com/review/delos), [Bamboo \\[CA\\]](https://www.coveragecat.com/review/bamboo), [Kin \\[FL\\]](https://www.coveragecat.com/review/kin).\n\n👋 We’re Max & Gabriel, co-founders of Coverage Cat.\n\n### Opportunity: Insurance - An essential product, often poorly purchased\n\nInsurance is an all-time great financial innovation. It represents a way for people to pool and mitigate significant risks when events have shaken out for the worst. \n\nBut the way insurance is been bought and sold has generated a mismatch between the protection from risk that insurance products SHOULD provide. This forces tens of thousands of people to go bankrupt every year from risks that could be properly insured– Often while overpaying for coverage that doesn't protect them from catastrophic risk.\n\n### Problem: Insurance is complicated\n\nThe web of carriers, brokers, contracts, and claims that ensure your risks are properly handled can be an absolute nightmare for people who just want to feel like the things that are important to them are protected.\n\n### The Solution: A one-step process to find the best insurance\n\nWe collect information on how much you feel comfortable losing, in addition to standard insurance questions. Coverage Cat’s AI and team of specialists then searches across available carriers to find the policies and prices for your needs. If you’re in CA, FL, NY, TX, or WA we’d appreciate the opportunity to save you a bundle!\n\nCheers, Max & Gabriel 🐱", "url": "https://www.ycombinator.com/launches/GvY-coverage-cat-insurance-for-people-who-don-t-believe-in-insurance", "votes": 46, "created_at": "2022-08-02T16:06:51.203Z" } ] }, { "id": 27882, "name": "Velos", "slug": "velos", "former_names": [ "GradientJ" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1521d60e05f3fa5d010d16b7722a46d4fb586f90.png", "website": "https://www.tryvelos.com", "all_locations": "San Francisco, CA, USA", "long_description": "Velos helps insurance carriers and MGAs automate complex, manual back-office tasks with AI workers instead of overseas teams.\r\n\r\nWe take over workflows with the same responsibility of a traditional overseas Business Process Outsourcing (BPO) firm: mapping the customer’s existing process, creating the SOP, building the automation, and continuously improving the workflow after launch. \r\n\r\nUnlike other \"automation platforms\" we don't rely on our customers to build and manage the workflow, we take over it for them like a traditional outsourcing firm.\r\n\r\nWe're automating the repetitive work people hate to do.", "one_liner": "AI BPO for Specialty Insurance MGAs", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1674503496, "tags": [ "Reinforcement Learning", "Robotic Process Automation", "Insurance", "Automation", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/velos", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/velos.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tryvelos/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1521d60e05f3fa5d010d16b7722a46d4fb586f90.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [], "jobs": [], "news": [], "launches": [ { "id": 68762, "title": "GradientJ - Build and manage GPT3 🤖 applications at scale", "tagline": "GradientJ helps product teams deploy large language models at scale. Companies use us to create GPT3 applications and monitor them in production.", "body": "### **What is it?**\n\nGradientJ is a web application to build, compare, and deploy prompts for large language models like GPT3.\n\n### **Is this for me?**\n\nGradientJ is for:\n\n* Product teams that are just **thinking of using something like GPT3** in their product and are **trying to figure out how to get started**.\n* Teams who are **already using LLMs** to delight their customers and are **trying to level up their workflow** with faster iteration, better organization, easy cost and performance comparisons, and the on-ramp to \\~_the mythical land of fine-tuning\\~_.\n\n### **What’s the Problem?**\n\nCurrently, the **road from exciting prototype output with ChatGPT to production-ready GPT3 deployment is unclear** and littered with potential pitfalls.\n\nEven for the teams that do get version 1 out the door, **the workflow often ends up as a stitched together hodgepodge of makeshift processes and tools.**\n\nLLM deployment is a leading cause of “am I doing this right?”-itis. Symptoms include:\n\n* A text document with examples copy-pasted into the OpenAI playground\n* A prompt comparison process that consists of an eyeball test followed by “looks better-ish”\n* Hours spent tweaking a prompt on one example only to find, in the end, it breaks on all the others\n* Nightmares of users getting nonsensical or offensive output from a hallucinating LLM\n\n### **How do we solve it?**\n\nWe made a prompt engineering interface that:\n\nAutomatically suggests starting points or improvements to your prompts.\n\n![uploaded image](/media/?type=post&id=68762&key=user_uploads/314229/aabfc294-5d59-4f02-a9a0-ff9ea4e2a1b0)\n\nTracks prompt versions and benchmark examples so you can always compare and deploy the best iteration.\n\n![uploaded image](/media/?type=post&id=68762&key=user_uploads/314229/2491d923-0562-4c55-aa1c-fe0837a3b899)\n\nDeploys to your own API endpoint with automatic cost and performance tracking in one click.\n\n![uploaded image](/media/?type=post&id=68762&key=user_uploads/314229/df784795-2290-4ce9-9fbe-90ec41fbb21b)\n\n# **The Ask:**\n\n* **Let us help:** If you’re trying to use LLMs like GPT3 in your application and want to discuss how to **get version 1 out the door** **FAST**, we’d love to talk.\n* **Try it out:** If you’re already using LLMs in your application, we’d love to talk.\n* **Spread the Word:** If anyone you know is using or thinking of using LLMs, we want to turn their ideas into reality.\n\nDrop your email here , email us at [founders@gradientj.com](mailto:founders@gradientj.com), or jump right in and book a time to talk [here](https://calendly.com/daniel-gradientj/meeting)!", "url": "https://www.ycombinator.com/launches/Ht4-gradientj-build-and-manage-gpt3-applications-at-scale", "votes": 67, "created_at": "2023-01-26T20:03:07.818Z" } ] }, { "id": 29086, "name": "Eden Care", "slug": "eden-care", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fa49eb2930eeded02c619636a22909358301f3b.png", "website": "https://www.edencaremedical.com/", "all_locations": "Nairobi, Nairobi County, Kenya", "long_description": "Eden Care is building the claims infrastructure for African health insurance ", "one_liner": "Claims infrastructure for African health insurance", "team_size": 28, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1687277447, "tags": [ "Fintech", "Health Insurance", "Infrastructure" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Kenya", "Africa", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/eden-care", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/eden-care.json", "year_founded": 2022, "city": "Nairobi", "country": "KE", "linkedin_url": "https://www.linkedin.com/company/edencaremedical/?viewAsMember=true", "x_url": "https://twitter.com/edencaremedical", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7fa49eb2930eeded02c619636a22909358301f3b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/32d8553d147f9813494bc88a74f31afc506e6b7a.png" ], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 584359, "full_name": "Moses Mukundi", "title": "Founder", "founder_bio": "I founded my first startup, an agritech startup, at 23 that scaled to profitability and was acquired in 2017. I spent 6 years in the insurance and healthcare verticals in Africa before pursuing my MBA at Wharton Business School. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/mosesmukundi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/92dbf4e853015c0ebd369988003ecaa2eb7b42c0.jpg" } ], "jobs": [], "news": [ { "title": "Eden Care: Y Combinator's latest health insurance bet in Africa", "url": "https://techcabal.com/2023/08/26/eden-care-medical-y-combinators-latest-health-insurance-bet-in-africa/", "date": "Aug 26, 2023" }, { "title": "Eden Care becomes first Rwandan company to join Y Combinator", "url": "https://www.benjamindada.com/eden-care-y-combinator-first-rwandan/", "date": "Jul 04, 2023" } ], "launches": [ { "id": 72392, "title": "Eden Care - Digital health insurance for employers in Africa", "tagline": "Saving employers time and money with better, cheaper health insurance", "body": "**Tl;dr:** Eden Care offers digital health insurance to employers in Africa. We are making health insurance cheaper by building a new tech stack that reduces the cost of insurance operations by 43%. In 6 months since launch, we have $2.1M in gross premiums and growing 100% month-on-month. Check out [Eden Care](https://www.edencaremedical.com/) today.\\\n—\n\nHello, I am Moses Mukundi, and my team and I are building [Eden Care](https://www.edencaremedical.com/). We are on a mission to provide access to affordable quality health insurance to the 90 million uninsured African employees. See some of our team below:\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/6d025c95-c4e5-41e1-9052-b7f58978a690)\n\n**Problem: Underserved**\n\nAfrican insurance cost of operation (claims, distribution, and fraud cost) is 2.2x the global average resulting in expensive insurance. No wonder, health insurance penetration in Africa is 0.2%, 15x lower than emerging market peers. \n\nThis $11 billion industry hasn’t modernized (manual, limited customer insights, and high fraud waste and abuse) and has largely focussed on large companies and high network individuals, leaving out the majority of Africans. There’s a need for a new solution for Africans to increase health insurance uptake.\n\n**Our Solution: Digital infrastructure that automates the entire value chain**\n\nEden Care is a full-stack licensed health insurer. We are building a new tech that reduces our cost operation by 43% resulting in cheaper cover. \n\nWe have deployed tech infrastructure across 3 main users - HR& admin teams, employees, and healthcare facilities. This enables us to automate the majority of our processes reducing cost but also improving customer experience. \n\n**For HR teams**, we provide them with a portal to easily manage the health benefits of their team.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/17e2bd51-fcc1-4ad0-8dff-946759a190b3)\n\n**For employees and their dependents**, we provide them with an app that helps them access and navigate healthcare, participate in Eden Care’s wellness and prevention program, and earn/redeem rewards.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/3aa361ff-2a28-440f-b060-660a4cc70ebd)\n\n**For service providers**, we have provided an end-to-end digital tool that enables them to quickly serve our members and digitally complete all their processes on our system — eliminating the majority of manual processes and paper, automating the majority of the tasks, and saving time and money.\n\n![uploaded image](/media/?type=post&id=72392&key=user_uploads/584359/6a47735f-0923-4997-8c72-081a79109571)\n\nWith this data-rich view, we can:\n\n1. automate >90% of all back-end insurance processes enabling us to deliver real-time decision-making and personalized health nudges\n2. intervene at the point of service to prevent fraud, waste, and abuse \n3. deliver better underwriting and products more relevant to user needs.\n4. Develop AI tools to improve stakeholder experience while lowering ops cost even further\n\n**The opportunity: Right time to build Eden Care**\n\n1. 22 Africans will transition to middle-income status by 2030. This transition is associated with a 7x growth in health insurance spend.\n2. SMEs are formalising at a faster rate and buying insurance for their teams for the first time. This is the largest insurance opportunity in Africa and is where Eden Care is positioning itself to be the segment leader. \n3. Rapid digitisation of healthcare facilities and end users is for the first time enabling the deployment of end-to-end digital health infrastructure. \n4. 310 million Africans will be middle class by 2030. The majority are young digital native families buying insurance for the first time. Eden Care is becoming the default insurer for this group.\n\n**Ask: How you can help us**\n\n1. Share this post! Please help spread the word, as you never know who it may help.", "url": "https://www.ycombinator.com/launches/Ipc-eden-care-digital-health-insurance-for-employers-in-africa", "votes": 19, "created_at": "2023-06-20T18:45:31.877Z" } ] }, { "id": 29154, "name": "Catamaran", "slug": "catamaran", "former_names": [ "Ultravity", "CatX" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0af944f6ad96c6f8c2095e8c485de560a528833.png", "website": "https://www.trycatamaran.com", "all_locations": "London, England, United Kingdom", "long_description": "Catamaran uses AI to help people make clearer, faster decisions about risk. Our platform brings all internal and external risk data into one easy-to-understand workspace. By automating data gathering, checking, and scenario testing, we help insurers, reinsurers, brokers, and investors quickly understand and manage their risks. Catamaran also provides a regulated marketplace to easily buy, sell, and manage insurance coverage.", "one_liner": "The AI-powered risk decision platform ", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1687023200, "tags": [ "Machine Learning", "Finance", "Analytics", "Insurance", "Investing" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2023", "status": "Acquired", "industries": [ "Fintech", "Insurance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/catamaran", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/catamaran.json", "year_founded": 2023, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/catamaranrisk/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b0af944f6ad96c6f8c2095e8c485de560a528833.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 635059, "full_name": "Benedict Altier", "title": "Founder", "founder_bio": "Benedict has advised more than 10 leading insurers and asset managers working across insurance, reinsurance, and risk modeling. He is also a front-end developer with a decade's worth of experience designing and building web applications. He graduated with a 1st class degree in Chinese Studies from the University of Oxford. As a visiting student at Peking University, he advised leading Chinese technology companies including a spin-out from Baidu. ", "is_active": true, "linkedin_url": "https://uk.linkedin.com/in/benedict-altier-0041748b", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1dab89abad066a8fdb09e97fb62b1a097a4d29d6.jpg" }, { "user_id": 1360323, "full_name": "Lucas Schneider", "title": "Founder/CTO", "founder_bio": "Building CatX to revolutionize risk transfer for insurers. Bringing my expertise in financial markets and investing to the insurance world. \n\nStarted my career in Credit Securitisation at Barclays in London where I structured and executed multiple transactions in excess of $10bn+ in value. Oxford PhD Candidate in Machine Learning for Gene Editing. Previously, leading the research team at a web3 hedge fund, focusing on infrastructure and decentralized finance investments.\n\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/lucas-sch", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/358ede5a7b0831d4ff15db816976f97505db9b0f.jpg" } ], "jobs": [], "news": [ { "title": "CatX Raises US$2.7 Million to Bring More Alternative Capital into the Insurance Sector | Insurtech Insights", "url": "https://www.insurtechinsights.com/catx-raises-us2-7-million-to-bring-more-alternative-capital-into-the-insurance-sector/", "date": "Nov 24, 2023" }, { "title": "Our favorite startups from YC's Summer 2023 Demo Day, Day 1 | TechCrunch", "url": "https://techcrunch.com/2023/09/06/ycombinator-demo-day-one-summer-2023/", "date": "Sep 06, 2023" }, { "title": "Risk exchange start-up CatX accepted into Y Combinator accelerator - Artemis.bm", "url": "https://www.artemis.bm/news/risk-exchange-start-up-catx-accepted-into-y-combinator-accelerator/", "date": "Jun 23, 2023" } ], "launches": [ { "id": 88573, "title": "Catamaran: Intelligent Catastrophe Risk Analysis and Underwriting 🌊", "tagline": "The smartest way to analyze natural catastrophe risks for any property, location, or business.", "body": "Hey YC! We’re the CatX team, and we are excited to announce the launch of [Catamaran 2.0](https://trycatamaran.com/)—the smartest way to analyze natural catastrophe risks for any property, location, or business.\n\n🔍 **Problem**\n\nOrganizations today struggle with outdated, slow, and expensive processes for assessing natural catastrophe risks. Traditional tools lack comprehensive insights, require significant manual effort, and leave critical gaps in understanding how disasters like wildfires, hurricanes, earthquakes, and severe weather could impact their assets and portfolios.\n\n💡 **Our Solution**\n\nCatamaran makes catastrophe risk analysis effortless and powerful. Just upload your property details or any relevant documents, and Catamaran instantly generates comprehensive risk insights using extensive historical data across all major catastrophe perils—including wildfires, hurricanes, earthquakes, typhoons, weather, hail and more.\n\n\n\nPowered by advanced AI agents, Catamaran quickly identifies errors, provides clarity from complex datasets, and delivers insights previously only available through costly, manual underwriting.\n\nWe spent the past two years helping institutional investors understand, model, and invest in catastrophic risk. Frustrated by outdated workflows in underwriting and risk assessment amidst modernizing processes everywhere else, we built Catamaran as our solution.\n\n⚡ **What Catamaran Can Do:**\n\n* 📚 **Historical Risk Analysis:** Evaluate location-specific risk profiles based on hundreds of years of historical data.\n* 🛡️ **Optimal Insurance Protection:** Automatically identify the best insurance structures—parametric or traditional—tailored to your unique risk exposure.\n* 📄 **Advanced Document Extraction:** Effortlessly process complex, unstructured documents to rapidly extract key insights.\n* 📈 **Calculate Loss & Scenario Analysis:** Instantly conduct sophisticated scenario analyses to quantify potential losses for proactive risk management.\n\n![uploaded image](/media/?type=post&id=88573&key=user_uploads/635059/e8343eea-4ad1-4a95-8674-d2a4e1d2bfb8)\n\n⚙️ **Use Cases**\n\n* 🏦 **Insurers:** Accelerate underwriting, cut costs by up to 90%, and precisely manage portfolio risks.\n* 📊 **Brokers:** Transform your quoting process with faster, more accurate risk assessments.\n* 🏢 **Businesses & Investors:** Confidently evaluate and manage catastrophe risk exposure across investments, portfolios, and operations.\n* ⚖️ **Regulators:** Enhance regulatory oversight and compliance with transparent, data-driven risk analytics.\n* 🛠️ **Developers:** Easily integrate catastrophe risk analytics into your apps using our developer-friendly API\n\n![uploaded image](/media/?type=post&id=88573&key=user_uploads/635059/de65f188-e565-4c35-99e7-4a149dfc73fb)\n\n👥 **The Team**\n\nCatamaran is built by the CatX technology team led by:\n\n**Benedict Altier**, insurance consultant with experience modeling programs for leading insurers like AXA, Beazley, and MS Amlin, ex-Oxford.\n\n**Lucas Schneider**, Oxford PhD candidate in Machine Learning, ex-Barclays Investment Banker, ex-McKinsey.\n\n**Jon Wood**, formerly on the retro leadership team at top insurance broker AON and previously at Guy Carpenter (Marsh) and Willis.\n\n**Matthew Salamon**, experienced software developer formerly at AON, PwC and Balancer.\n\n🙏 **Our Ask**\n\nIf you manage or insure properties at risk, we'd love to show you how Catamaran can streamline your process and enhance your decision-making:\n\n\\- Email us directly: [catamaran@catxglobal.com](mailto:benedict@catx.re)\n\n\\- Schedule a quick demo here: \\[[trycatamaran.com](http://trycatamaran.com)\\]()\n\nCatamaran: The future of intelligent catastrophe risk analysis.\n\n– Benedict, Lucas & the CatX Team\n\n![uploaded image](/media/?type=post&id=88573&key=user_uploads/635059/5ec96af3-9467-4beb-9127-d6aa336ed3af)\n\n![uploaded image](/media/?type=post&id=88573&key=user_uploads/635059/a70b0e67-95fe-4e9a-aaf4-c5f74b643729)\n\n", "url": "https://www.ycombinator.com/launches/N2b-catamaran-intelligent-catastrophe-risk-analysis-and-underwriting", "votes": 45, "created_at": "2025-03-13T17:17:13.085Z" }, { "id": 72510, "title": "CatX - the digital marketplace for insurance risk", "tagline": "We are the best way for insurance companies to offload risk and for asset managers to invest in an attractive, uncorrelated asset class. ", "body": "CatX is a digital marketplace connecting insurance carriers with institutional investors to trade and transfer insurance risk efficiently. We help to make insurance risk models understandable and accessible for asset managers so they can unlock new sources of return. In addition, we streamline and digitalize the entire risk transfer process, so insurers can get faster, cheaper access to capital from our partner funds.\n\n**❌ The Problems:**\n\n1. **Rising hedging and funding costs for insurers,** US property rates are up 265% over a six-year period\n2. **Highly inefficient risk transfer markets,** with average cost ratios of 40% remaining largely unchanged despite recent technological advancements\n3. **Slow and expensive set-up and structuring processes** when issuing new insurance-linked products, involving multiple parties\n4. **Little secondary market liquidity for insurance-linked securities** due to their complex economics and limited availability of risk models\n5. **Poor analytics or data-drive insights** for understanding novel areas of risks\n\n**💡Our Solution**\n\nCatX addresses these challenges by simplifying the market and providing access to world’s most advanced modeling technologies directly within our platform. In addition, we streamline the origination process, including legal setup and pricing, and offer an electronic secondary trading venue coupled with sophisticated analytics.\n\nCatX helps:\n\n* **Insurers** to access capital at **better rates** through direct capital markets access,\n* **Investors** to unlock new investment opportunities in an uncorrelated asset class,\n* **Protection buyers** find more efficient structures to offload risks, reducing the protection gap for novel and emerging risks.\n\n ![uploaded image](/media/?type=post&id=72510&key=user_uploads/1360323/ca917659-8d2c-4371-a236-a1fc95a58903)\n\n\n**🙏Our Ask**\n\nConnect us with\n\n* **Investors** interested in accessing new sources of uncorrelated returns,\n* **(Re)insurers** looking for access to more flexible capital at better rates,\n* **Businesses** looking to more efficiently transfer risks (property, weather, energy, cyber)\n* **Risk model providers** seeking new distribution opportunities.\n\n**✉️ Contact**\n\nIf you have any questions or suggestions, feel free to reach out to [Ben](https://www.linkedin.com/in/benedict-altier-0041748b/) or [Lucas](https://www.linkedin.com/in/lucas-sch/) directly or email [founders@catxglobal.com](mailto:founders@catxglobal.com).", "url": "https://www.ycombinator.com/launches/IrW-catx-the-digital-marketplace-for-insurance-risk", "votes": 23, "created_at": "2023-06-24T19:31:35.892Z" } ] }, { "id": 29293, "name": "SuretyNow", "slug": "suretynow", "former_names": [ "SuretyNow", "BondCenter" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f71cdb1bd697d9bca1b136e0a75ce74b689f2cb.png", "website": "https://suretynow.com/", "all_locations": "Austin, TX, USA", "long_description": "Surety bonds are financial guarantees that businesses must purchase to comply with government regulations. For example, all contractors must have a surety bond to bid and work on federal construction projects. It is a $8b opportunity in the US. \r\n\r\nSuretyNow is building the surety bond platform for the 21st century. Businesses can apply for bonds and receive affordable quotes online in minutes. We offer the fastest and simplest online experience for getting surety bonds.", "one_liner": "The Modern Surety Bond Platform", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1706734566, "tags": [ "Fintech", "B2B", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/suretynow", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/suretynow.json", "year_founded": 2022, "city": "Austin", "country": "US", "linkedin_url": "https://www.linkedin.com/company/withsuretynow", "x_url": "https://twitter.com/suretynow", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/suretynow", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f71cdb1bd697d9bca1b136e0a75ce74b689f2cb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1015891, "full_name": "Bruce Chi", "title": "Founder/CEO", "founder_bio": "Previously worked as a McKinsey consultant and Indeed product manager, I led a team of offshore engineers to build an Upwork competitor differentiated by a focus on graphic design. Was an economics major in college but mastered advanced Spanish through extensive travels across Latin America. I enjoy reading about geopolitics, spelunking, and perfecting my freestyle stroke. \n", "is_active": true, "linkedin_url": "https://linkedin.com/in/bchi", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a75127f4390f177d2dcd62a0b9c5060b39f96ed2.jpg" }, { "user_id": 590902, "full_name": "Jay Xiao", "title": "Founder/President", "founder_bio": "Co-founder @ SuretyNow", "is_active": true, "linkedin_url": "https://linkedin.com/in/yjwxiao", "x_url": "https://twitter.com/yjwxiao", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fa3d4fc57139e9df8dc7167170e7f4685561ebf8.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29307, "name": "Blume Benefits", "slug": "blume-benefits", "former_names": [ "Blitz AI", "Blume" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/15ea369712455e4db27cb24aae44230d83a5b836.png", "website": "https://www.blumebenefits.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Blume is a web-based care navigation platform that helps patients understand their health benefits, find the right care, and confidently navigate the healthcare system. Offered through insurance brokers, Blume gives patients easy, free access to personalized support while helping brokers deliver more value to their clients and improve the member experience.", "one_liner": "The AI copilot for health insurance brokers.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1706634406, "tags": [ "Health Insurance", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Inactive", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/blume-benefits", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/blume-benefits.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/blumebenefits/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/15ea369712455e4db27cb24aae44230d83a5b836.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 827967, "full_name": "Aditya Joshi", "title": "Founder", "founder_bio": "Hey! I am Aditya Joshi. I grew up in Wichita, Kansas and have been interested in healthcare since I was 13. I've had the opportunity to work in clinics, labs, hospital systems, and an insurance carrier. Now, I'm excited to be exploring and building for a new, but deeply interesting, facet of the ecosystem: health insurance brokerages.", "is_active": false, "linkedin_url": "https://linkedin.com/in/adityajoshi101", "x_url": "https://twitter.com/Adityaj101", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7af6f66e9c45ebc7929027b2b5cebbb4de2bfc8e.jpg" }, { "user_id": 1211344, "full_name": "Ethan Hou", "title": "Founder", "founder_bio": "Founder", "is_active": false, "linkedin_url": "https://linkedin.com/in/ethan-hou10", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/08674f0ee0965bf332f334e7c9d09f714a7e5ce1.jpg" }, { "user_id": 1139786, "full_name": "Varun Verma", "title": "Founder", "founder_bio": "Building care navigation tools at Blume.", "is_active": false, "linkedin_url": "https://linkedin.com/in/tranquilvarun", "x_url": "https://twitter.com/TranquilVarun", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/865fcb0cbbc045eed6b636603de9c71d0bf3b916.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 77958, "title": "🌻 Blume: Back Office Automation for Health Insurance Brokers", "tagline": "A unified data platform for brokers to scale their book of business.", "body": "Hey everyone! We’re [Aditya](https://www.linkedin.com/in/adityajoshi101/), [Ethan](https://www.linkedin.com/in/ethan-hou10/), and [Varun](https://www.linkedin.com/in/tranquilvarun/) building [Blume Benefits](https://www.blumebenefits.com/).\n\n![uploaded image](/media/?type=post&id=77958&key=user_uploads/827967/523665ce-c9cb-4617-8331-18a90104a8f3)\n\n**TL;DR 📌**\n\nBlume Benefits automates health insurance sales for brokers. Today, health insurance brokers spend an average of **11 hours a week on manual data entry**. Blume helps brokers manage quotes, renewals, and revenue ops all in one place without having to manually enter a single keystroke of data.\n\n**The Problem ❌**\n\nObtaining health insurance is such a complex task that a $104 billion-dollar industry exists to help employers navigate the buying, negotiating, and administering of health insurance for their employees.\n\nHealth insurance brokers, the stewards of these transactions, have to manage thousands of complex relationships every year. From negotiating commissions and quotes with insurance carriers to managing contract renewals and compliance for their clients, health insurance brokers find themselves using a fragmented set of programs to store and manage all of this information. Constantly, data and reminders fall through the cracks resulting in **thousands of dollars in lost commissions**, botched renewals, and an artificially capped book of business.\n\n**The Solution ✨**\n\nBlume was created to streamline the relationships that brokers have to manage with their clients and the insurance carriers they work with. On Blume, brokers can:\n\n* Turn unstructured quotes into presentable and understandable formats for their clients.\n* Automate insurance carrier commission statement reconciliation and revenue recovery.\n* Consolidate information about their customers to prioritize their work, ensure no clients are left underserved, and catch problems with plan designs before employees run into them in the clinic.\n\nBy consolidating all of these tools, we are building toward a world where health insurance brokers spend all of their time helping their clients navigate the complex world of health insurance rather than manually keying in data to Excel, spending hours every week consolidating claims data into actionable insights.\n\n**Why we built Blume 💼**\n\nOver the last few months, we had the opportunity to speak with more than 150 health insurance brokers. One thing was clear, they all were frustrated with the decreasing amount of time they could spend helping their clients due to the growing administrative burden and knew that something had to change. When we set out to find existing solutions to their problems, we saw user interfaces that hadn’t changed in years, manual workflows that increased reporting responsibilities for brokers, and software built to be sold to agency executives, not to be used by individual brokers. We are excited to address these issues with Blume.\n\n**Our ask 👋**\n\nWe’re looking to connect with health insurance brokers looking to grow their book of business. If you are one, know any, or can connect us to yours, please feel free to reach out at [founders@blumebenefits.com](mailto:founders@blumebenefits.com).", "url": "https://www.ycombinator.com/launches/KHO-blume-back-office-automation-for-health-insurance-brokers", "votes": 45, "created_at": "2024-01-30T17:08:04.987Z" } ] }, { "id": 29483, "name": "Healia", "slug": "healia", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4bc553e9eb10d4c49558bf19ed0f8c9bf7411984.png", "website": "https://www.healiahealth.com/", "all_locations": "Columbus, OH, USA", "long_description": "Healia is reinventing health insurance for dual income families. Our product enables companies to pay for the out of pocket costs of any employee that enrolls in their spouse's health insurance plan. This saves customers $10k per enrollee while providing an incredible employee perk: 100% coverage of a family's health costs.\r\n\r\nWe’re now up to 50+ customers coast-to-coast with over 40k employees using our product!", "one_liner": "Modern health insurance for dual income families", "team_size": 15, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1707967345, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/healia", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/healia.json", "year_founded": 2022, "city": "Columbus", "country": "US", "linkedin_url": "https://www.linkedin.com/company/healia-health", "x_url": "https://twitter.com/healiahealth", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4bc553e9eb10d4c49558bf19ed0f8c9bf7411984.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1151031, "full_name": "Priyang Shah", "title": "Founder/CEO", "founder_bio": "Priyang is a founder with 10 years of experience in healthcare, insurance, and software development. He was the 15th employee at Root Insurance (1st PM), and helped scale it to 1,500 employees and a $6.5B IPO. Previously, he was the 20th employee at Olive AI ($4.5B valuation).", "is_active": true, "linkedin_url": "https://linkedin.com/in/priyangshah", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/26a139dc79f5f02449c409de839a57a155ec370c.jpg" } ], "jobs": [ { "id": 71753, "title": "Business Operations Specialist", "url": "https://www.ycombinator.com/companies/healia/jobs/RU0qEdZ-business-operations-specialist", "location": "Columbus, OH, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$65K - $75K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 86769, "title": "Sales Development Representative", "url": "https://www.ycombinator.com/companies/healia/jobs/VPyIfJH-sales-development-representative", "location": "Columbus, OH, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $75K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 88143, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/healia/jobs/4agRnJz-account-executive", "location": "Columbus, OH, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$160K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 97199, "title": "Account Manager", "url": "https://www.ycombinator.com/companies/healia/jobs/urCreag-account-manager", "location": "Columbus, OH, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$160K - $170K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 100895, "title": "Controller", "url": "https://www.ycombinator.com/companies/healia/jobs/0B7mD6k-controller", "location": "Columbus, OH, US", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$140K - $190K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 78745, "title": "Healia - Modern health insurance for dual income families 👨‍👩‍👦‍👦 ❤️", "tagline": "We enable companies to cover the expenses of employees on their spouse's health plan, saving companies $10k per family", "body": "**Tl;dr**\n\nHealia is reinventing health insurance for dual income families. Our product enables companies to pay for the out of pocket costs of any employee that enrolls in their spouse's health insurance plan. This saves customers $10k per enrolled family while providing an incredible employee perk: 100% coverage of a family's health costs.\n\n**2025 Update**\n\nWe’re now up to 50+ customers coast-to-coast with over 40k employees using our product!\n\n**The problem: Dual-income health insurance is a lose-lose for companies and families**\n\nThere are 41 million dual-income families in the country and they all have the same problem: whether they choose their plan or their spouse’s, they still have thousands in premium contributions and out-of-pocket costs.\n\nCompanies face a similar challenge: either employees enroll in their insurance and incur exorbitant costs ($17k/year/family) or the employee misses out on the largest employee benefit available, hurting the company’s recruitment and retention efforts.\n\n**✨ The solution: Both companies “split” coverage**\n\nOur product lets employers pay for the out-of-pocket costs (and premiums) of any employee who enrolls in their spouse's plan. There is no need for complicated coordination between employers. Employees just opt out of our customer’s plans and join their spouse’s. We then reimburse any eligible expenses on the spouse’s plan. This saves our customers $10k per enrollee and boosts recruitment and retention with an awesome perk.\n\n**💻 Our technology is so powerful that we even sell it separately**\n\nWe created a tool for employees that lets them compare costs between their employer's plan and their spouse's. Employees can upload a PDF of their spouse’s benefits guide, and our LLM will process the data, allowing families to see all of their options modeled.\n\n**👋 Ask: Connect us with:**\n\n1. Health insurance brokers that need innovative solutions for clients.\n2. HR leaders and CFO’s that want to lower costs while improving employee retention\n3. Or, just give us feedback! [founders@healiahealth.com](mailto:founders@healiahealth.com)", "url": "https://www.ycombinator.com/launches/KU5-healia-modern-health-insurance-for-dual-income-families", "votes": 20, "created_at": "2024-02-26T15:58:17.227Z" } ] }, { "id": 29613, "name": "ClaimSorted", "slug": "claimsorted", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/84c63763f18d7ea0f559f538047cb3865f092ccc.png", "website": "https://claimsorted.com", "all_locations": "London, England, United Kingdom", "long_description": "ClaimSorted helps insurance companies remove the hassle of managing claims by enabling them to outsource their claim operations to us. This service is known as a Third Party Administrator (TPA). Unlike traditional TPAs, we blend AI and best-in-class experts to deliver a 5-star customer experience, minimise mistakes and speed up claim assessment.", "one_liner": "Making it easy for insurance companies to process claims", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1715711900, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United Kingdom", "Europe", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/claimsorted", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/claimsorted.json", "year_founded": 2024, "city": "London", "country": "GB", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/claimsorted", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/84c63763f18d7ea0f559f538047cb3865f092ccc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 548277, "full_name": "Pavel Gertsberg", "title": "Founder/CEO", "founder_bio": "Before starting ClaimSorted, Pavel built a pet insurance company, Fluffy, which he scaled to over 20,000 customers working with some of the largest insurers. Before starting his insurance company, Pavel worked as a Head of Growth building marketing, sales and product functions in SaaS and InsurTech companies. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/pavel-gertsberg", "x_url": "https://twitter.com/grtspvl", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/915ce179b1a7b1ae11eef3d72a84736b616f753a.jpg" }, { "user_id": 1866532, "full_name": "German Mikulski", "title": "Founder/CTO", "founder_bio": "Co-Founder and CTO at ClaimSorted. Previously founded Fluffy, a pet insurance company, automating ~70% of back-office processes with AI. Formerly at Deutsche Bank, where he developed systems processing over $100 million in transactions", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/german-mikulski/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/81c3521142fd7745d7d82bf1967aff21e13ab71f.jpg" } ], "jobs": [ { "id": 88997, "title": "Product Engineer // Full-Stack", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/yzFgT8j-product-engineer-full-stack", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80K - £150K GBP", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 89001, "title": "AI Engineer", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/Df3aVWm-ai-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£90K - £165K GBP", "equity_range": "", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 92258, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/9jsPuCe-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - 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$160K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 109825, "title": "Claims Solutions Partner", "url": "https://www.ycombinator.com/companies/claimsorted/jobs/l8nR8mP-claims-solutions-partner", "location": "New York / Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $170K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "This Startup Raised $13.3 Million To Inject AI Into One Of The World’s Slowest Industries", "url": "https://www.forbes.com/sites/robertolsen-1/2025/10/13/this-startup-raised-133-million-to-inject-ai-into-one-of-the-worlds-slowest-industries/", "date": "Oct 14, 2025" } ], "launches": [ { "id": 81058, "title": "ClaimSorted: Hassle-free insurance claims with AI", "tagline": "Have you ever wondered why it takes ages to get your money back when you claim on insurance?", "body": "**TL:DR: We help insurers manage claims efficiently by outsourcing claim operations to us. We then use AI to make the process faster and cheaper.**\n\n**🙋 Ask: looking for intros to insurance companies.**\n\n### **Problem**\n\nIf you've ever submitted an insurance claim and it took ages to get your money back, here's why:\n\n**Insurers outsource claims** to claim outsourcing agencies, known as **Third Party Administrators (TPAs)**.\n\nImagine a huge warehouse with **thousands of people using pen and paper** to process millions of claims. That’s why it's so slow.\n\n![uploaded image](/media/?type=post&id=81058&key=user_uploads/548277/a54f1ee1-38f1-4433-93da-1b85a152e545)\n\n### **Solution**\n\nAt [ClaimSorted](https://claimsorted.com/), we are an **AI-first TPA for insurance claims**. We automate fraud checks, compliance, claim decision-making, and **deliver payouts in minutes**. Our AI is paired with a team of experts to ensure accuracy.\n\n![uploaded image](/media/?type=post&id=81058&key=user_uploads/548277/e9bb2909-eee6-492c-a443-514bf23284b7)\n\n### **Team**\n\nWe **previously built an insurance company** and know the struggles of working with TPAs.\n\nWe aim to make every claim a positive experience for customers and drive cost efficiencies for insurers.\n\n![uploaded image](/media/?type=post&id=81058&key=user_uploads/548277/f39d3973-76c7-4a63-a7c8-97d28d79b02c)\n\n_Fun fact, _[_German_](https://www.linkedin.com/in/german-mikulski/)_ was the best man at _[_Pavel_](https://linkedin.com/in/pavel-gertsberg)_'s wedding_\n\n### **Ask:**\n\n**If you know any insurance companies in the US, UK, or EU, please email us at [founders@claimsorted.com](mailto:founders@claimsorted.com)**", "url": "https://www.ycombinator.com/launches/L5O-claimsorted-hassle-free-insurance-claims-with-ai", "votes": 27, "created_at": "2024-05-23T15:06:47.010Z" } ] }, { "id": 29646, "name": "Corgi Insurance", "slug": "corgi-insurance", "former_names": [ "Corgi", "Corgi Insurance", "Corgi" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f66899a62764756d799d5abc511dc4b46f8c151.png", "website": "https://corgi.com", "all_locations": "San Francisco, CA, USA", "long_description": "Corgi is a full-stack insurance carrier building better, faster insurance products for startups. 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Pricing risk in the singularity is pretty cool. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nico-laqua-302b17233", "x_url": "https://twitter.com/nico_laqua?lang=en", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e222f04cd20a4080e78b9383ac320db917278672.jpg" }, { "user_id": 1990806, "full_name": "Emily Yuan", "title": "Founder/COO", "founder_bio": "Emily is Co-Founder and COO at Corgi ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emilyyuan96", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6ddf9fe57b79cc48ee9cdc56aec6f93f7aa0c510.jpg" } ], "jobs": [ { "id": 81581, "title": "GTM Associate", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/OMHjq7G-gtm-associate", "location": "Dallas, TX, US / Chicago, IL, US / Atlanta, GA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $130K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 81909, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/afQQR4q-business-development-representative", "location": "San Francisco, CA, US / Salt Lake City, UT, US / Columbus, OH, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$70K - 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We’re not a broker, so we underwrite and issue policies directly, with fewer handoffs, less friction, and better pricing. Cutting out intermediaries lets us tailor coverage to how your company actually operates and price risk more efficiently.\n\nGet an instant quote for all common startup coverages at [www.corgi.insure](https://www.corgi.insure). Corgi provides the following lines of coverage, and more:\n\n* [Directors and Officers Insurance](https://www.corgi.insure/blog/do-insurance-for-startups)\n* [Commercial General Liability Insurance](https://www.corgi.insure/blog/cgl-insurance-for-startups)\n* [Technology Errors & Omissions Insurance](https://www.corgi.insure/blog/tech-eo-insurance-for-startups)\n* [Cyber Liability Insurance](https://www.corgi.insure/blog/cyber-insurance-for-startups)\n* [Employment Practices Liability Insurance](https://www.corgi.insure/blog/epli-insurance-for-startups)\n* [Media Liability Insurance](https://www.corgi.insure/blog/media-liability-insurance-for-startups)\n* [Hired and Non-Owned Auto Insurance](https://www.corgi.insure/blog/hnoa-insurance-for-startups)\n* Representations & Warranties Insurance\n\nGet an instant quote online or [talk](https://www.corgi.insure/get-advisor) to a licensed insurance representative to learn about your startup’s risk exposure and insurance needs.\n\n![uploaded image](/media/?type=post&id=82043&key=user_uploads/1990806/a3293664-e7bb-43d5-90e4-8cbab5d79ec7)\n\n", "url": "https://www.ycombinator.com/launches/LLH-corgi-insurance", "votes": 43, "created_at": "2024-07-11T14:16:58.271Z" } ] }, { "id": 29775, "name": "Brighterway", "slug": "brighterway", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4c3ccc32c3cef12a79c45aceb7aa532c954f0602.png", "website": "https://www.brighterway.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Brighterway builds systems that handle the paperwork behind workers’ comp and casualty claims, automating the work around each claim from intake to administration to state reporting. 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He has also previously led a team of interns on a data science project focused on tracking user engagement and feature impressions at another startup. Fun fact? He solo-backpacked for 5 months at the ripe age of 18.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/walker-wells-8a85b1198/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6238a25c95f5923a46009e52536e8b4337865b6f.jpg" }, { "user_id": 1159843, "full_name": "Jason Apostol", "title": "Founder/CTO", "founder_bio": "Working on better claims handling. Previously studied Computer Science at Yale.", "is_active": true, "linkedin_url": "https://linkedin.com/in/jason-apostol-063039a5", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f2a4228b1212ebf8c19ce3b71ea456523aca2f1c.jpg" } ], "jobs": [ { "id": 85674, "title": "Software Engineer", "url": "https://www.ycombinator.com/companies/brighterway/jobs/ERXvXtu-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $170K", "equity_range": "0.50% - 0.75%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "JavaScript", "Kubernetes", "Python", "React", "Serverless" ] }, { "id": 88138, "title": "Senior Software Engineer", "url": "https://www.ycombinator.com/companies/brighterway/jobs/vJvWxbO-senior-software-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$200K - $240K", "equity_range": "0.50% - 2.00%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "JavaScript", "Python", "React", "Machine Learning" ] }, { "id": 88266, "title": "Sales Associate", "url": "https://www.ycombinator.com/companies/brighterway/jobs/UfDkqaY-sales-associate", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$65K - $100K", "equity_range": "0.25% - 0.50%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 30055, "name": "RiskCube", "slug": "riskcube", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/93b1b4fbe4b8807a5770f0fad5c76f3b8685dee9.png", "website": "https://riskcube.com", "all_locations": "San Francisco, CA, USA", "long_description": "RiskCube is building the first AI-native reinsurer for emerging risks.\r\n\r\nMission: Building products & services focused on lowering the protection gap for the innovation economy on a national and global scale. \r\n\r\nToday, we operate an insurance brokerage focused on startups in AI, robotics, space, and defense. Through the brokerage, we see firsthand where traditional insurance products fail, from AI liability and autonomous systems to defense technology and new space risks.\r\n\r\nWe are now building proprietary risk models that can price risks even when little historical claims data exists. Our approach uses stochastic simulation, then applies traditional, explainable models to make the output transparent to underwriters and regulators.\r\n\r\nThis allows us to create new insurance and reinsurance products for emerging industries much faster than traditional carriers.\r\n\r\nThe U.S. insurance market still relies heavily on foreign reinsurance capacity.\r\nOur goal is to build new reinsurance capacity on American soil for the industries defining the next generation of the U.S. economy, while reducing America's dependence on foreign reinsurance capacity.\r\n", "one_liner": "The new American reinsurance company.", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1731782052, "tags": [ "Fintech", "Insurance", "Defense", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2024", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/riskcube", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2024/riskcube.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/riskcube", "x_url": "https://x.com/riskcube_ai?s=11", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/93b1b4fbe4b8807a5770f0fad5c76f3b8685dee9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 1675952, "full_name": "Andrei Craciunescu", "title": "Founder/CEO", "founder_bio": "Andrei, Founder & CEO. Previously in Risk & Analytics at WTW (Willis Towers Watson) & MunichRE. He holds an M.Sc. in Mathematics from LMU Munich and conducted PhD-level research in financial mathematics at the Technical University of Munich (TUM). Licensed insurance broker. Based in San Francisco. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andrei-craciunescu/", "x_url": "https://x.com/andreicscu", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8aef2306e2a2081a9fa3f32aac98c85b7259aefc.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 105788, "title": "RiskCube - AI insurance brokerage for startups", "tagline": "Top-rated insurance to close enterprise deals & gov contracts for AI, Space & Defense startups", "body": "Hey everyone[ 👋](https://emojipedia.org/waving-hand)\n\nI’m[ ](https://www.linkedin.com/in/jeilani)[Andrei](https://www.linkedin.com/in/andrei-craciunescu/) - founder of[ ](https://www.brickwiseai.com/)[RiskCube](https://riskcube.com)\n\n# **TL;DR**\n\n**When startups sell to enterprise customers — especially regulated businesses — insurance is often required before the deal can close. Procurement teams ask for proof of top-rated insurance before they sign. Traditional broker take weeks, which can slow down or kill the deal.**\n\n# **RiskCube helps founders get covered fast, with proof of coverage ready within 24 hours.**\n\n[RiskCube Introduction](https://youtu.be/eW4smKBySzo)\n\n**Why This Problem Exists**\n\nI built RiskCube after watching this happen repeatedly at WTW, one of the world's largest insurance brokers. When a startup tries to get top-rated insurance for something new — AI, data centers in space, defense tech, or space in general — most insurers either say no, take too long, or add exclusions.\n\nWhy?\n\n* Little claims history for brand-new technology risks\n* Insurers don't understand the product, so they exclude everything unfamiliar\n* Big traditional insurance provider with expertise are built for big companies, not a startup closing its first Fortune 500 deal\n\nThe result: the wrong coverage, delayed deals, or lost deals entirely.\n\n**How It Works**\n\n1. **Tell us about your business** — a short form so we understand your company, customers, contracts, and risk profile.\n2. **We search the market** — our AI reviews policies from 40+ rated insurers into a clear side-by-side comparison, and a licensed agent with deep risk expertise checks the coverage before you buy.\n3. **Get your COI and close the deal** — choose your coverage, receive your Certificate of Insurance, and send proof to your customer or procurement team.\n\n**Real Results**\n\nOne of our first YC customers cut insurance costs by 60%, got higher coverage limits than before, and became enterprise-ready in 4 hours.\n\n**About the founder**\n\nI'm Andrei, Founder & CEO. Previously in Risk & Analytics at WTW (Willis Towers Watson). Master in Mathematics from LMU Munich and PhD-level research in financial mathematics at TU Munich. Licensed insurance broker. Based in San Francisco.\n\nInvestors — want the same service for your portfolio companies? Reach out directly.", "url": "https://www.ycombinator.com/launches/RWG-riskcube-ai-insurance-brokerage-for-startups", "votes": 3, "created_at": "2026-07-14T21:12:20.809Z" } ] }, { "id": 30288, "name": "Harper", "slug": "harper", "former_names": [ "Tatch" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48f09dfa8b59f8e987b3a43c44b0adcd865fe145.png", "website": "https://www.harperinsure.com/", "all_locations": "San Francisco, CA, USA", "long_description": "At Harper, we are building a fully autonomous commercial insurance brokerage powered by AI. Our initial focus is on mid-sized businesses with complex insurance needs, but our vision is to eventually serve every business in the country.\r\n\r\nBy leveraging AI to automate key workflows in the insurance process, we efficiently secure optimal coverage for each client's unique requirements at competitive prices and with rapid turnaround. Our AI system learns from the expertise of our brokers, accumulating not just knowledge but also the specific workflows, data, and capabilities that pave the way to full autonomy.", "one_liner": "AI-native commercial insurance brokerage", "team_size": 25, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1735235398, "tags": [ "Fintech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Growth", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/harper", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/harper.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/48f09dfa8b59f8e987b3a43c44b0adcd865fe145.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Tom Blomfield", "url": "https://www.ycombinator.com/people/tom-blomfield" }, "founders": [ { "user_id": 1653612, "full_name": "Dakotah Rice", "title": "Founder/CEO", "founder_bio": "CEO @ Harper (W25) Building an AI-native commercial insurance brokerage. prev: Goldman, Carlyle, Coatue, Poolit. Brown '12, HBS dropout '21", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/dakotahrice/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0b71e86ac9349e856eb1d62d5a2c82b3768590ec.jpg" }, { "user_id": 1654704, "full_name": "Tushar Nair", "title": "Founder/CTO", "founder_bio": "CTO @ Harper (W25) prev: Goldman, Poolit. Building an AI native commercial insurance brokerage.", "is_active": true, "linkedin_url": "https://linkedin.com/in/tushar-nair-100787144", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e6c9b5553bf3c892875084b67245a446139a7f11.jpg" } ], "jobs": [ { "id": 85467, "title": "Senior Member of Technical Staff", "url": "https://www.ycombinator.com/companies/harper/jobs/TszfBKi-senior-member-of-technical-staff", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$160K - $230K", "equity_range": "0.01% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88186, "title": "Senior Operations Lead", "url": "https://www.ycombinator.com/companies/harper/jobs/KxUUfX3-senior-operations-lead", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$180K - $220K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88190, "title": "Future AI Founder", "url": "https://www.ycombinator.com/companies/harper/jobs/sgnMdwY-future-ai-founder", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $140K", "equity_range": "0.01% - 0.20%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 88191, "title": "Senior Member of Technical Staff, Voice", "url": "https://www.ycombinator.com/companies/harper/jobs/j3AYc4c-senior-member-of-technical-staff-voice", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$170K - $275K", "equity_range": "0.10% - 0.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88192, "title": "GTM Engineer", "url": "https://www.ycombinator.com/companies/harper/jobs/pDx68zo-gtm-engineer", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$130K - $190K", "equity_range": "0.05% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88193, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/harper/jobs/Hr7rRca-forward-deployed-engineer", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$140K - $200K", "equity_range": "0.05% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88194, "title": "Member of Technical Staff", "url": "https://www.ycombinator.com/companies/harper/jobs/df0E48G-member-of-technical-staff", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$140K - $200K", "equity_range": "0.01% - 0.20%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88548, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/harper/jobs/xzF5Pja-founding-account-executive", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$75K - $125K", "equity_range": "0.01% - 0.10%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88580, "title": "Recruiting Lead", "url": "https://www.ycombinator.com/companies/harper/jobs/9E6dwaG-recruiting-lead", "location": "San Francisco", "type": "Full-time", "role": "Recruiting & HR", "role_type": "Recruiter", "salary_range": "$125K - $185K", "equity_range": "0.01% - 0.10%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 88615, "title": "Founding Product Manager", "url": "https://www.ycombinator.com/companies/harper/jobs/KfC6DN6-founding-product-manager", "location": "San Francisco", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$135K - $185K", "equity_range": "0.01% - 0.10%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 89006, "title": "Special Projects Lead", "url": "https://www.ycombinator.com/companies/harper/jobs/rE0aoNR-special-projects-lead", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$150K - $175K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 89186, "title": "Head of Customer Experience", "url": "https://www.ycombinator.com/companies/harper/jobs/YkyopkE-head-of-customer-experience", "location": "San Francisco", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$185K - $250K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90246, "title": "Chief of Staff", "url": "https://www.ycombinator.com/companies/harper/jobs/eEvIwyH-chief-of-staff", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$175K - $225K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 90248, "title": "Account Manager", "url": "https://www.ycombinator.com/companies/harper/jobs/VYmFv7w-account-manager", "location": "San Francisco", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$80K - $110K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 88087, "title": "Harper: AI-native commercial insurance brokerage", "tagline": "Transforming how businesses get the coverage they need.", "body": "Hey YC! It’s [Tushar](https://www.linkedin.com/in/tushar-nair-100787144) and [Dakotah](https://www.linkedin.com/in/dakotahrice), and we're building Harper, an AI-powered commercial insurance brokerage transforming how businesses get the coverage they need. Since acquiring our first customers in October, we’ve already grown to write over $6M in annualized premiums across 35 states.\n\n### The Problem\n\nCommercial insurance is drowning in operational inefficiency:\n\n* Manual processes that limit broker productivity\n* Complex, redundant applications\n* Information asymmetry and limited market access\n\nThese antiquated systems create terrible customer experiences and prevent traditional brokerages from scaling.\n\n### Our Solution\n\nWe built an insurance brokerage with a suite of AI solutions that we use internally to enhance our sales, operational, and service interactions. Harper Hub, our flagship tool can:\n\n* Complete forms automatically\n* Find optimal carriers and underwriters\n* Manage client communications seamlessly\n\nThis creates an [infinitely scalable brokerage](https://www.youtube.com/watch?v=KvD1NyGJq3k) that delivers superior service with significantly higher margins.\n\n### Our Vision\n\nAt Harper, we believe that every legacy professional services business will have an AI-Native counterpart that will operate more efficiently, generate more revenue, and grow faster than incumbents. We want to become the largest insurance brokerage in the world with the best NPS. The commercial insurance brokerage market represents over $100B in annual commissions.\n\n### The Team\n\n![uploaded image](/media/?type=post&id=88087&key=user_uploads/1654704/73b6cf13-e7f4-49a9-a8d8-dba947ef85e5)\n\nWe've known each other since we started our careers at Goldman Sachs, where Tushar led ML/AI engineering teams automating services for the commodities desk while Dakotah worked on the Technology, Media, and Telecommunications Team in Investment Banking. He then spent time at Carlyle and Coatue.\n\nTushar spent nearly 9 years at Goldman before leaving to found Poolit with Dakotah, a fintech company that scaled to $100M AUM. While looking for their next project, they started thinking about the highest-impact solutions for LLM-based AI tools.\n\nWe decided to blend Dakotah’s family history in insurance and entrepreneurship with Tushar's technical expertise in automation to build the world’s first AI Native Commercial Insurance Brokerage.\n\n### Our Ask\n\nIf you know any businesses with complex insurance needs, please reach out to us at [harper@harperinsure.com](mailto:harper@harperinsure.com)", "url": "https://www.ycombinator.com/launches/Mul-harper-ai-native-commercial-insurance-brokerage", "votes": 26, "created_at": "2025-02-27T00:00:50.044Z" } ] }, { "id": 30338, "name": "CopyCat AI", "slug": "copycat-ai", "former_names": [ "Platter", "CopyCat" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d0b6fa2626fafdcdd87ec75360df8375ffa48bb3.png", "website": "https://runcopycat.com", "all_locations": "Seattle, WA, USA", "long_description": "CopyCat builds AI for commercial, personal & benefits insurance brokers. It turns carrier quotes and policy documents into branded proposals, quote comparisons, and coverage reviews, and helps teams check policies and review insurance contracts, flagging discrepancies and documenting findings with source references. ", "one_liner": "AI for Commercial Insurance Agencies", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1734580429, "tags": [ "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "Every business in America needs insurance, and most of them get it through an independent agent. Those agents spend their days fighting through deals, quotes, and underwriting back-and-forth to make sure their clients are actually taken care of. A lot of that fight is retyping: a submission comes in as emails, PDFs, and spreadsheets, and someone has to enter it into their system, reformat it for each carrier, and compare the quotes that come back. Renewals, claims, and benefits proposals work the same way.\r\n\r\nThere are more than 40,000 independent agencies in the US. Their growth is limited by how many people they can hire, and experienced insurance staff are hard to find. Every hour spent on data entry is an hour not spent looking after clients.\r\n\r\nWe saw this firsthand while training brokerage teams to use AI. The people doing the work were skilled and cared a lot, and their software wasn't helping them. Agents take care of their customers. We want to take care of the agents." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Every business in America needs insurance, and the industry behind it is massive: US property and casualty premiums hit $1.1 trillion in 2025. Independent agents are the ones who actually take care of those customers, placing 62% of all P&C insurance and nearly 88% of commercial lines.\r\n\r\nBut the leverage sits with large entities. A quarter of every premium dollar goes to overhead, with an industry expense ratio of 25.2%, which is roughly $240 billion a year spent acquiring, processing, and servicing policies. The four biggest carriers alone spent over $7.5 billion on advertising in 2024. Scale wins, even when a local agent would serve the client better.\r\n\r\nAI already let a single engineer build what used to take a whole team. We're doing the same for insurance agents. If we succeed, a two-person agency will run like a hundred-person shop, and the best agent will win regardless of size. Shifting that $240 billion in overhead back toward the agents who own the relationships could be one of the largest transfers of value to small businesses in a generation.\r\n\r\nWe're the ones to do it because we've lived inside this work. We trained brokerage teams on AI before we built anything, took the commercial insurance course & test to understand the job from the agent's side of the desk, and still personally call every agency that books a demo." } ], "url": "https://www.ycombinator.com/companies/copycat-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/copycat-ai.json", "year_founded": 2024, "city": "Seattle", "country": "US", "linkedin_url": "https://www.linkedin.com/company/copycat-ai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d0b6fa2626fafdcdd87ec75360df8375ffa48bb3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 688190, "full_name": "Graham Sabin", "title": "Founder", "founder_bio": "Co-Founder @ CopyCat. Previously I was building Platter, serving hundreds of restaurants, processing hundreds of thousands of dollars every month. I've worked at multiple Series A startups, building products used by millions.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/grahamsabin/", "x_url": "https://x.com/GrahamSabin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fc149a017773e9077b97f729c4ea4af5c434aaeb.jpg" }, { "user_id": 1300501, "full_name": "Abhi Balijepalli", "title": "Founder", "founder_bio": "Co-founder @ CopyCat | Ex eng @ Zoom. Grew up in Seattle, love PNW.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/a8hi/", "x_url": "https://x.com/a8hi_b", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1a25c2f84df010a7657fbea5462b9945bd76758e.jpg" } ], "jobs": [ { "id": 112973, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/copycat-ai/jobs/UYCapE4-founding-account-executive", "location": "Seattle, WA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $170K", "equity_range": "0.30% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 30357, "name": "Vantel", "slug": "vantel", "former_names": [ "Vantage AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/882e8b4377acdc7c7f1830babf0cd1f7b2e00058.png", "website": "https://vantel.com/", "all_locations": "Stockholm, Stockholm County, Sweden", "long_description": "AI OS for commercial insurance brokerages.", "one_liner": "AI Platform for Commercial Insurance Brokerages", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1738065592, "tags": [ "Documents", "Insurance", "CRM" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Sweden", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/vantel", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2025/vantel.json", "year_founded": 2024, "city": "Stockholm", "country": "SE", "linkedin_url": "https://linkedin.com/company/vantelinc/", "x_url": "https://x.com/Vantel_AI", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/882e8b4377acdc7c7f1830babf0cd1f7b2e00058.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 1763011, "full_name": "Love Redin", "title": "Founder/CEO", "founder_bio": "CEO of Vantel. Previously data scientist at venture-backed startups and McKinsey/QuantumBlack, venture capital investor, software engineer at Sweden’s largest independent fund manager, and claims analyst at Scandinavia's largest insurance company. Arctic Army Ranger with background in engineering physics and pure mathematics from KTH Royal Institute of Technology in Stockholm, Sweden.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/love-redin/", "x_url": "https://x.com/redinvantel", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2df1b9e30a05edd6b40d3f5389533dc30671fc0a.jpg" }, { "user_id": 677886, "full_name": "Ulme Wennberg", "title": "Founder/CTO", "founder_bio": "CTO at Vantel. Ex-Microsoft software engineer, who has founded several startups, and 1k+ research citations within NLP. Machine learning PhD dropout and first-principles thinker. Pursued parallel studies in Engineering Physics at Sweden's top Engineering School and Business School (KTH & SSE). Graduate studies at the University of Washington, including co-authoring one of the most cited information extraction papers of 2019. Also built conversational agents with Amazon Alexa.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ulme-wennberg/", "x_url": "https://x.com/UlmeW", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5dccd01e74364e1680bb575226a4c38adee00927.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 87228, "title": "Vantel - AI Software for Commercial Insurance Brokers", "tagline": "We help commercial insurance brokers automate 50% of their manual workflows, enabling them to focus on higher-value tasks like building new client relationships.", "body": "**TL;DR**\n\nCommercial insurance brokers spend 80% of their time on manual, repetitive tasks like policy analysis, manual data entry, documentation, billing and administration. Vantel builds AI software that automates these workflows, **currently helping brokers save 10+ hours per week**. Our first product lets brokers compare five 100-page insurance policies across 50 factors in 5 minutes instead of 5 hours.\n\n\n\n**The Problem: Commercial Insurance is Extremely Manual**\n\nAlmost every company needs insurance. Most companies do not have the competency in-house to know exactly what coverage they need. Because of this, they often hire a commercial insurance broker to advise them on insurance-related matters.\n\nAfter interviewing 100 commercial insurance professionals, we discovered some of the largest challenges in the industry: documents and workflows are unstandardized, there are multiple parties involved, and high-quality data is hard to collect. This results in **commercial insurance brokers spending the majority of their time on highly manual processes**:\n\n* Comparing policy documents\n* Validating insurance requirements in contracts versus policies\n* Regulatory documentation of advisory work\n* Compiling claims data from multiple sources into a common format\n* Translating complex material from carriers to a digestible format for the client\n\n**Our Solution: AI-Powered Workflow Automation for Brokers**\n\nVantel is building an AI platform that automates the most time-consuming tasks for commercial insurance brokers. We have started with:\n\n**1. Policy Comparison**\n\n* Compare 5 policies in 5 minutes (versus 5 hours if done manually)\n* Works with any carrier and policy type, instantly recognizing differences and key terms\n* Ranks policies based on coverage quality\n\n**2. Contract Validation**\n\n* Cross-check insurance requirements in contracts versus policies\n* Identifies gaps in current coverage, to avoid hidden risks\n* Enables more extensive client service – this is currently a high-touch activity\n\n**Why Now?**\n\nWith recent advances in LLMs, we are creating a product that was impossible to build 12 months ago. During our conversations with brokers, we have learned that **it is absolutely possible to build a revolutionary product in commercial insurance in just a few months**. The feedback we’re getting from brokers is giving us an incredible conviction that we’re on the right track. It is amazing to see their jaws drop when they realize countless hours of work can be automated with our software, freeing up time to serve more clients.\n\n**Team**\n\n![uploaded image](/media/?type=post&id=87228&key=user_uploads/1763011/7b86fe12-d8c8-4bbd-98e1-8e2551d3d8fd)\n\n* [Love Redin](https://www.linkedin.com/in/love-redin/) (CEO) - Previously data scientist at venture-backed startups and McKinsey/QuantumBlack, venture capital investor, software engineer at Sweden’s largest independent asset manager, and claims adjuster at Scandinavia's largest insurer prior to university. Arctic Army Ranger with background in engineering physics and pure mathematics from KTH Royal Institute of Technology in Stockholm, Sweden.\n* [Ulme Wennberg](https://www.linkedin.com/in/ulme-wennberg/) (CTO) - Founded several startups, ex-Microsoft software engineer, and 800+ research citations within NLP. Machine learning PhD dropout and first-principles thinker. Pursued parallel studies in Engineering Physics at KTH Royal Institute of Technology and Business and Economics at Stockholm School of Economics. Graduate studies at the University of Washington, including co-authoring one of the most impactful information extraction papers of 2019, and building conversational agents with Amazon Alexa.\n\n**Our Ask**\n\nIf you are (or know!) a commercial insurance broker looking to save 10+ hours per week on manual processes to spend more time with your clients, we would love to show you what we're building – please reach out to us at [founders@vantel.ai](mailto:founders@vantel.ai).", "url": "https://www.ycombinator.com/launches/Mgu-vantel-ai-software-for-commercial-insurance-brokers", "votes": 20, "created_at": "2025-01-28T18:40:49.899Z" } ] }, { "id": 30415, "name": "Avallon AI", "slug": "avallon-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac85a0bca77fe890f3dc1aadd1f0f8a554481659.png", "website": "https://www.avallon.ai/", "all_locations": "New York City, NY, USA", "long_description": "Avallon automates insurance claims operations with AI agents that handle routine calls and documents processing. ", "one_liner": "AI agents for insurance claims operations", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1744318663, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/avallon-ai", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/avallon-ai.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://linkedin.com/company/avallon", "x_url": "https://x.com/AvallonAI", "fb_url": null, "cb_url": null, "github_url": "https://github.com/Avallon-Labs", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/ac85a0bca77fe890f3dc1aadd1f0f8a554481659.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1970255, "full_name": "Cornelius Schramm", "title": "Founder/CEO", "founder_bio": "CEO of Avallon. Before Avallon, Cornelius was the founding U.S. engineer at FINN, building the fleet operations platform behind $15M ARR and witnessing firsthand how broken fleet claims processes are.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cornelius-schramm-450759150/", "x_url": "https://x.com/cornelius_schra", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aa4dbc57754f57d2384feda3e761f60be055ff92.jpg" }, { "user_id": 450379, "full_name": "Bryan Guin", "title": "Founder/CPO", "founder_bio": "Bryan was previously a machine learning researcher at Cornell and a software engineer at Agentive (YC S23) where he built AI systems for auditors. He also led product consulting teams at EY, advising Fortune 500 clients on new product development and deployment.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bryan-guin/", "x_url": "https://x.com/bryanguin", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5e323ee406bc651bd4205f0697af5337c5137c33.jpg" } ], "jobs": [ { "id": 78636, "title": "Founding Software Engineer", "url": "https://www.ycombinator.com/companies/avallon-ai/jobs/CH8oqKV-founding-software-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$165K - $270K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "PostgreSQL", "Python", "TypeScript", "Docker", "Software Architecture", "Data Modeling", "Next.js", "Tailwind" ] }, { "id": 84939, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/avallon-ai/jobs/EKbBPmB-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $240K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Google Cloud", "PostgreSQL", "Python", "TypeScript", "SQL", "Next.js", "Prompt Engineering" ] }, { "id": 99953, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/avallon-ai/jobs/6A5VzQt-founding-account-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$300K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [ { "id": 90754, "title": "Avallon – AI Agents for Insurance Claims Operations", "tagline": "Automate insurance claims operations with AI agents that handle routine calls and documents. ", "body": "**Tl;DR**\n\n**Insurance customer satisfaction is plummeting** as manual processing creates endless delays. Avallon automates back-office claims work for carriers and TPAs with AI agents that handle calls, documents, and data entry so adjusters can resolve cases faster.\n\nhttps://www.youtube.com/watch?v=pWBvyPugoFQ\n\n# **Insurance Claims Processing is Manual and Slow**\n\nInsurance adjusters are drowning in manual work to process claims. This creates delays, errors, and frustrated policyholders while burying adjusters in tedious work instead of decision-making. Adjusters face three major bottlenecks:\n\n* **Fragmented communication:** Adjusters spend hours fielding routine calls and emails to gather and relay claim information. Phone tag with claimants, vendors, and internal teams creates delays and frustration.\n* **Slow document review:** Sifting through unstructured documents, photos, and reports to validate evidence is time-intensive. Manual review of complex documentation slows case resolution.\n* **Tedious record keeping:** Converting notes and decisions into structured data for claims management systems requires constant manual data entry.\n\nAn aging workforce exacerbates these issues, creating a talent shortage as workloads grow. With median adjuster compensation already at $109k and razor-thin margins for carriers and TPAs, the economics of manual processing are unsustainable.\n\n# **Meet Avallon: Your Team of AI Claims Agents**\n\n![uploaded image](/media/?type=post&id=90754&key=user_uploads/1970255/9c370a61-6191-4f21-aa57-1c007b5cedfc)\n\nAvallon's AI agents plug directly into existing claims management systems and automate these tedious tasks, helping adjusters resolve cases more quickly. Our AI agents work autonomously to handle:\n\n* **Communication workflows:** Our agents handle routine calls and emails, gathering claim information while eliminating phone tag and keeping all parties updated.\n* **Document analysis:** Our AI instantly processes unstructured documents, photos, and reports, extracting key data points and validating coverage details in seconds.\n* **Data management:** Our agents automatically convert all findings into structured data and populate your claims management system, eliminating manual data entry and errors.\n\nAvallon’s intelligent agents turn claims management from reactive to proactive, helping adjusters make faster decisions, reduce errors, and deliver exceptional customer experiences.\n\n## **Team:**\n\nThe team met as grad students at Cornell studying computer science and operations research.\n\n* **Cornelius** had previously built the complete ops infrastructure to scale FINN US from 0 to $15M ARR as a founding engineer at the car subscription platform. There he saw firsthand how broken fleet claims processes are.\n* **Bryan** previously led product teams consulting for Fortune 500s at EY and conducted ML research at Cornell.\n* **Jet** studied quantitative trading algorithms, is a national champion policy debater, and taught debate at the Taipei American School.\n\nDuring a fall break hiking trip, the team brainstormed startup ideas until Avallon took shape. They shipped the first version around Christmas, landed their first customer weeks later, and dropped out to pursue the company full-time.\n\n## **Asks:**\n\nWe're excited to connect with:\n\n* **Insurance company executives and claims leaders** who want faster, smarter claim resolutions.\n* **Industry advisors and operators** passionate about digitizing and modernizing insurance processes.\n* **Journalists and thought leaders** interested in highlighting innovation and transformation within the insurance industry.\n\nIf you’re ready to streamline your claims operations with AI, email us at [founders@avallon.ai](mailto:founders@avallon.ai) or schedule a demo at [avallon.ai](http://avallon.ai).\n\nLet’s put AI to work to fix insurance.\n\n![uploaded image](/media/?type=post&id=90754&key=user_uploads/1970255/c4649a98-a29a-41fd-9d6d-b366d6b3fde4)\n\n", "url": "https://www.ycombinator.com/launches/Nbm-avallon-ai-agents-for-insurance-claims-operations", "votes": 35, "created_at": "2025-05-27T14:01:51.944Z" } ] }, { "id": 30427, "name": "Acolite", "slug": "acolite", "former_names": [ "Blueplan", "Anvil" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bee88ddf2837ce69f6bc53bc24d264569098af38.png", "website": "https://acolite.ai", "all_locations": "Philadelphia, PA, USA", "long_description": "Acolite is an AI-powered insurance brokerage purpose-built for the construction industry. We combine modern technology with dedicated, licensed brokers to help contractors get the right coverage faster and at better rates than traditional brokerages can offer.", "one_liner": "AI Native Commercial Insurance Broker", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1747166393, "tags": [ "Insurance", "Operations", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/acolite", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/acolite.json", "year_founded": 2024, "city": "Philadelphia", "country": "US", "linkedin_url": "https://www.linkedin.com/company/acoliteai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bee88ddf2837ce69f6bc53bc24d264569098af38.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Diana Hu", "url": "https://www.ycombinator.com/people/diana-hu" }, "founders": [ { "user_id": 2511271, "full_name": "Daniel Siryakov", "title": "Founder/CEO", "founder_bio": "CEO of Acolite - Acolite is an AI-powered insurance brokerage purpose-built for the construction industry. We combine modern technology with dedicated, licensed brokers to help contractors get the right coverage faster and at better rates than traditional brokerages can offer.\n\nFormer AI PM, former MLE building systematic investment strategies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/daniel-siryakov-cfa-07071255/", "x_url": "https://x.com/danielzohan1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5eeb9ab1d6d2404357891d571476164a87453d8d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 95549, "title": "Acolite - AI Commercial Insurance Brokerage", "tagline": "Commercial insurance, built for builders.", "body": "Hello! We're **Acolite** ([acolite.ai](http://acolite.ai)) — an AI-native **commercial insurance brokerage** built for contractors and trade businesses. We pair licensed brokers with AI teammates so clients get specialist expertise at software speed: same-day COIs, faster quotes, and brokers who actually know your trade.\n\nForward an email or call your broker — Acolite handles the rest.\n\n### **The problem**\n\nConstruction insurance is getting harder.\n\nContractors are dealing with rising premiums, carrier pullback, stricter contract requirements, more certificate requests, workers’ comp audits, action-over exclusions, subcontractor risk, and project owners asking for very specific coverage language.\n\nAt the same time, most brokers still operate the old way: manual applications, slow turnaround, limited coverage review, and little visibility into whether a policy actually matches the contractor’s risk.\n\nThat creates real problems:\n\n* Contractors overpay for coverage that may not protect them\n* Contracts get delayed because COIs or endorsements are wrong\n* Workers’ comp audits lead to surprise bills\n* Gaps in GL, auto, umbrella, or subcontractor coverage show up only after a claim\n* Business owners spend too much time chasing insurance instead of running jobs\n\n### **What Acolite does today**\n\nAcolite combines the traditional relationship-driven brokerage model with AI behind the scenes.\n\nWe help contractors:\n\n* Review existing policies and identify coverage gaps\n* Shop general liability, workers’ comp, commercial auto, umbrella, excess, and other construction policies\n* Compare quotes across carriers\n* Analyze contracts and insurance requirements\n* Check COIs, endorsements, additional insured language, waiver of subrogation, and primary & non-contributory requirements\n* Prepare cleaner submissions so carriers can quote faster\n* Navigate audits, renewals, and mid-term changes\n\nOur goal is simple: help contractors get the right coverage at the right price, without the usual back-and-forth.\n\n### **Who we serve**\n\nWe’re starting with construction because the pain is obvious and urgent.\n\nIf you’re searching for contractor insurance, general contractor insurance, electrical contractor insurance, roofing contractor insurance, HVAC contractor insurance, concrete contractor insurance, solar contractor insurance, or workers’ comp for contractors, we can help.\n\n### **Our ask**\n\n* If you’re a contractor, developer, or construction business owner, email me at [daniel@acolite.ai](mailto:daniel@acolite.ai) — I’m happy to review your current insurance and see if we can improve it.\n* If you’re a YC founder or friend of Acolite, introductions to contractors, GCs, developers, lenders, property owners, or construction-adjacent businesses are extremely helpful.\n\n![uploaded image](/media/?type=post&id=95549&key=user_uploads/2511271/a9b0aa26-e9af-4020-a4c8-73a21f46cf6a)\n\n", "url": "https://www.ycombinator.com/launches/Or7-acolite-ai-commercial-insurance-brokerage", "votes": 32, "created_at": "2025-11-17T16:21:30.815Z" }, { "id": 90371, "title": "Anvil - Be the Answer in AI Search", "tagline": "Optimize your brand's visibility within LLMs", "body": "### **⚠️ The Problem: You're Invisible Where It Matters**\n\nLLMs like ChatGPT are changing how people discover brands. Most companies have **zero visibility** into how often they’re mentioned, what queries they rank for, or which competitors are winning.\n\nThat means:\n\n* **You don’t know what LLMs are saying about you (or not saying).**\n* **You don’t know how to improve it.**\n* **You’re losing qualified traffic to better-optimized competitors.**\n\n---\n\n### **🛠️ Meet Anvil - LLM SEO for the AI Era**\n\nWe help companies **track, analyze, and grow their visibility** inside LLM platforms like ChatGPT, Gemini, and Claude.\n\n✅ **Monitor** your brand’s performance across thousands of user queries\\\n📊 **Benchmark** against competitors and discover where you're falling behind\\\n🔧 **Optimize** your content and metadata to rank better in AI-generated answers\n\nThink of it as **Ahrefs + Google Search Console - but for LLMs**.\n\nCheck out our demo:\n\n[**https://youtu.be/2TlFoldPEAc?feature=shared**](https://youtu.be/2TlFoldPEAc?feature=shared)\n\n### **Why Anvil?**\n\n🚦 Know what people _actually_ ask when your brand should be the answer\n\n📈 Identify which queries you're winning - and where you're invisible\n\n🔍 See which competitors are being recommended instead\n\n⚙️ Actionable insights to fix content gaps and optimize discoverability\n\n🧠 Built by a team who knows LLMs, SEO, and growth - not just buzzwords\n\n---\n\n### **The Ask**\n\nWe're onboarding a handful of design partners before Demo Day. Connect us with any interested CMOs!\n\nIf you want your company to _show up_ and _stand out_ in ChatGPT and beyond, drop us a message or comment below. We’ll run a free audit to show you how you stack up!\n\n📩 \\[[**daniel@joinanvil.com**](mailto:daniel@joinanvil.com)\\]\n\n🌐 \\[[**joinanvil.com**](http://joinanvil.com)\\]\n\nLet’s make sure the next time someone asks, **you’re the answer.**\n\n— Daniel, and Barak\n\nAnvil (YC X25)", "url": "https://www.ycombinator.com/launches/NVb-anvil-be-the-answer-in-ai-search", "votes": 35, "created_at": "2025-05-14T00:16:12.112Z" } ] }, { "id": 30663, "name": "Tesora", "slug": "tesora", "former_names": [ "Tesora AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2793bc4802e1c1cddfc383aed3ac255ec33a0465.png", "website": "https://tesora.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Tesora builds frontier AI agents for actuaries at P&C carriers, reinsurers, and MGAs. The agents handle the assembly, pulling the data, running the method, and deploying the rater, while you review the work and make every call. We deploy inside the stack you already run, on your infra and under your IT team's control, with no shared servers and nothing to rip out. Your data never trains our models, or anyone else's. We treat this as a partnership so we stay hands-on until the work is live and holding up in production. That standard runs through our security posture too: SOC 2 Type II certified, with a full audit trail behind every change.\r\n\r\nThe part of the job that matters is actuarial judgment, and we automate everything around it so you get back to the work only you can do. Built by AI technologists and actuaries who want to see this exist and backed by Y Combinator & other top investors.", "one_liner": "Frontier AI for Actuaries", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1755571936, "tags": [ "API", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/tesora", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/tesora.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tesora-ai", "x_url": "https://x.com/TesoraAI", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/tesora-5a73", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2793bc4802e1c1cddfc383aed3ac255ec33a0465.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/be40016165c827c6b164dc564263234137dc9e76.png" ], "primary_partner": { "name": "Brad Flora", "url": "https://www.ycombinator.com/people/brad-flora" }, "founders": [ { "user_id": 2380857, "full_name": "Vivek Rao", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO of Tesora\nMcKinsey, Sycamore Partners (~$14B AUM), UChicago / Booth Alum", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/vivek-r-928871173/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d778d05cda0402261a152f5040ace14958d15392.jpg" }, { "user_id": 1727648, "full_name": "Federico Reyes Gomez", "title": "Founder/CTO", "founder_bio": "Federico Reyes Gómez, Co-founder & CTO | Stanford BS/MS in CS & Philosophy | Google Document AI alum who turned down Stripe to join his professor’s Sequoia-backed startup Kumo, deploying graph neural networks on relational data. AI researcher and forward-deployed engineer, side-project junkie, and indie music producer (PICO).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/federico-reyes-gomez", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b460a3a465c2b0938ec60af30c0ff454c00f8f74.jpg" } ], "jobs": [ { "id": 95327, "title": "Forward Deployed 'Actuarial' Engineer", "url": "https://www.ycombinator.com/companies/tesora/jobs/cQv9I9x-forward-deployed-actuarial-engineer", "location": "San Francisco, CA, US / New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $200K", "equity_range": "0.50% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Machine Learning", "Software Architecture", "AI Agents" ] }, { "id": 95328, "title": "GTM Insurance Executive", "url": "https://www.ycombinator.com/companies/tesora/jobs/PxgFXks-gtm-insurance-executive", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "0.50% - 2.50%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 30706, "name": "Solva", "slug": "solva", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b15b9a0a3aeadaf4902e3ef1a27712b5677c90d6.png", "website": "https://solvatechnology.com", "all_locations": "New York City, NY, USA", "long_description": "Insurance is 7% of worldwide GDP and we’re building the infrastructure for how the world handles risk", "one_liner": "Building the new superintelligence for insurance", "team_size": 7, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1754360048, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/solva", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/solva.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/solvatechnology", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/b15b9a0a3aeadaf4902e3ef1a27712b5677c90d6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 2404520, "full_name": "Herman Båverud Olsson", "title": "Founder/CEO", "founder_bio": "CEO and Co-founder of Solva. Previously building Lassie to $120M ARR with $120M raised, earning recognition as Europe’s fastest-growing InsurTech. Prior to that, I led AI and machine learning transformations at BCG X across financial services. I also have experience in FinTech and InsurTech from Morgan Stanley", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/hermanbaverudolsson/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d5536abbb168e1f63ae5cfd59686528d96262cef.jpg" }, { "user_id": 2404549, "full_name": "Sorena Amini", "title": "Founder/COO", "founder_bio": "COO and Co-founder of Solva. Was previously part of building tech-enabled companies in traditional industries, including KeyTo (from $60m to $250m). Before that, I worked at Citi focusing on InsurTech and at Talentech (formerly ReachMee) with growth and product.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sorenaamini", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/401d07d447c497ad57f1c77a25af14d347986df9.jpg" }, { "user_id": 2782188, "full_name": "Linus Malmén", "title": "Founder/CTO", "founder_bio": "CTO and Co-founder of Solva. Before Solva, I Co-founded Zaver (most recently starred in CNBC), a European neobank processing over €1 billion annually under an EBA-CRD license. Clients include Porsche, Volkswagen, and Loewe. I've led AI development for leading tech companies long before AI became the norm and my work has been featured in TechCrunch, Bloomberg and Forbes.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/linus-malmén-2588406a/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b7cdd7d55cdcd313b5ed61db7489836586f003e.jpg" } ], "jobs": [ { "id": 81385, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/solva/jobs/V9X1F0T-founding-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $200K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] } ], "news": [], "launches": [ { "id": 92740, "title": "Solva: Harvey for insurance", "tagline": "Harvey for insurance - AI that automates insurance claims and stops wrongful payouts", "body": "**TLDR:** We are building Harvey for insurance. We help insurers automate claims and stop wrongful payouts using verifiable AI agents.\n\nOur team has spent the last decade battling legacy systems and dogma across highly regulated sectors of the financial industry. We’ve founded an EU-licensed bank (under the EBA CRD) and been part of scaling Europe’s fastest-growing InsurTech. We’ve seen firsthand the challenges with manual claims handling and how AI can fundamentally transform this process\n\n[**https://youtu.be/wfX4D08cNk4**](https://youtu.be/wfX4D08cNk4)\n\n---\n\n**The problem**\n\nYearly insurance claim payouts total more than $6.5 trillion (6% of worldwide GDP). The way insurance is sold has evolved considerably, but the handling of claims has remained largely unchanged since the early days of the internet. Due to the inconsistent nature of manual processing, handling errors alone are estimated to cause more than $200B in wrongful payouts per year. Add another $75B to that number for administrative operating expenses, and a rough idea of the true cost emerges.\n\nThe industry’s fix to this problem? Windows 2000-era admin UIs glued onto IBM mainframe systems, fragile RPA-automations that break every Feb 29th, and an army of adjusters. The result is a mess of growing complexity - and customers pay the price.\n\n---\n\n**The solution**\n\nSolva automates repetitive tasks and prevents wrongful payouts using verifiable, self-learning AI agents - built to run seamlessly on top of any existing claims stack.\n\nSolva’s system:\n\n* Detects incomplete evidence\n* Identifies breaches of policy terms\n* Exposes fraudulent behavior\n* Delivers source-cited claim recommendations\n\nWe bring claims handling from punchcards to Claude Code - helping insurers to stop spending billions on repetitive tasks and wrongful payouts.\n\n---\n\n**The team**\n\n![uploaded image](/media/?type=post&id=92740&key=user_uploads/2404520/068071e0-ad95-4555-bc06-332e3c2e2fbd)\n\n* **Herman Båverud Olsson** \\\n Herman is the CEO and Co-founder of Solva. He was previously part of scaling Lassie to $50m, which was recognized by Sifted in 2024 as Europe’s fastest-growing InsurTech. Before that, he led AI and machine learning transformations at BCG X. He also has experience in FinTech and InsurTech from his time at Morgan Stanley\n* **Linus Malmen** \\\n Linus is the CTO and Co-founder of Solva. Before Solva, he co-founded Zaver (most recently starred in CNBC), a European neobank processing over €1 billion annually under an EBA-CRD license. Clients include Porsche, Volkswagen, and Loewe. He has led AI development for leading tech companies long before AI became the norm and his work has been featured in TechCrunch, Bloomberg, and Forbes\n* **Sorena Amini** \\\n Sorena is the COO and Co-founder of Solva. He previously built tech-enabled companies in traditional industries, including KeyTo (from $60 to $250M) during his time at Fidelio. He has longstanding experience in highly regulated financial industries, including advising insurance and InsurTech companies during his time at Citi", "url": "https://www.ycombinator.com/launches/O7o-solva-harvey-for-insurance", "votes": 41, "created_at": "2025-08-07T15:02:52.764Z" } ] }, { "id": 30749, "name": "Fernstone", "slug": "fernstone", "former_names": [ "Sentri Security", "Sentri" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2529eaf040180126a595ccd660f42824d36e2dae.png", "website": "https://www.fernstone.com", "all_locations": "New York City, NY, USA", "long_description": "Fernstone is an AI-native insurance brokerage: we combine AI with licensed brokers to obtain complex insurance faster, and at better terms. Today, we manage risk for 500+ businesses in construction, security, and the trades. ", "one_liner": "AI-native insurance brokerage. ", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1759775643, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/fernstone", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/fernstone.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/fernstone/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2529eaf040180126a595ccd660f42824d36e2dae.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 737672, "full_name": "James Chen", "title": "Founder/CEO", "founder_bio": "Building Fernstone. Previously Traba (Series A, Founders Fund), BCG, UChicago. Former debate champion ranked #1 in the USA out of 10,000 teams. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/james-chen-394ab67b/", "x_url": "https://x.com/James_R_Chen", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/480aa339f23cadccae06f7f6b4e95ea13d9fec5d.jpg" }, { "user_id": 2822736, "full_name": "Bryant Le", "title": "Founder/CTO", "founder_bio": "Building Fernstone. Former Engineering @ Google and SentiLink (Series B, a16z). Previously Vanderbilt Applied Math / CS. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bryant-le-3884a7134", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/10e66d02f9cdc0c3cd63e05af365d3d61331fc82.jpg" } ], "jobs": [ { "id": 111398, "title": "Founding Sales Development Representative", "url": "https://www.ycombinator.com/companies/fernstone/jobs/HNZMqpH-founding-sales-development-representative", "location": "New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$65K - $90K", "equity_range": "0.10% - 0.25%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 111987, "title": "Founding Growth & Ops Lead", "url": "https://www.ycombinator.com/companies/fernstone/jobs/ttMoyl4-founding-growth-ops-lead", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$90K - $130K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 112215, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/fernstone/jobs/AUE2Y7y-founding-engineer", "location": "New York City", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $180K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112216, "title": "Growth & Operations Analyst", "url": "https://www.ycombinator.com/companies/fernstone/jobs/1YekzVV-growth-operations-analyst", "location": "New York City", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$65K - $90K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 30924, "name": "Casey", "slug": "casey", "former_names": [ "Clausee" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fa8267b34eb44ac708090ff04ca6eeef01fa75d3.png", "website": "https://caseyinsure.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Casey is an AI-native commercial insurance brokerage. Our insurance brokers focus on client relationships and closing business, whilst our AI handles all the operational work behind the scenes.\r\n\r\n", "one_liner": "Casey is an AI-native commercial insurance brokerage", "team_size": 5, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1759942019, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/casey", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/casey.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/casey-labs/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fa8267b34eb44ac708090ff04ca6eeef01fa75d3.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 2628780, "full_name": "Maximilian Thoelen", "title": "Founder", "founder_bio": "Co-Founder @ Casey. Previously Chief of Staff at grape insurance, Switzerland’s leading insurtech scaleup. Ex-Amazon & private equity.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maximilian-thoelen/", "x_url": "https://x.com/MaxThoelen", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ab6f4f68e4c4219d2c0cce3126c10272f68ea3c8.jpg" }, { "user_id": 3005184, "full_name": "Nico Hänggi", "title": "Founder", "founder_bio": "Co-Founder @ Casey. Previously tech lead at grape insurance, Switzerland’s leading insurtech scaleup. Background in CS from ETH Zurich.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicohaenggi/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8051c94f33a8c0146c7e9d24393428fe2cd13553.jpg" }, { "user_id": 668452, "full_name": "Pascal Küng", "title": "Founder", "founder_bio": "Co-Founder @ Casey. Previously VP of Engineering at grape insurance, Switzerland’s leading insurtech scaleup. Computer Science at ETH Zurich.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pascalkueng/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/10cd27424abb42336558672b61e68bbe0083ce68.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 94777, "title": "Casey: The infrastructure layer for insurance distribution", "tagline": "Helping commercial insurance brokers submit complex risks to insurance carriers", "body": "**Casey automates the core submission infrastructure of commercial insurance**\n\n**TL;DR:** Commercial insurance is a $500B market - and the infrastructure behind it is still manual. Commercial brokers dealing with complex risks spend half their day not advising clients, but retyping the same data across PDFs, portals, and carrier forms. That manual submission workflow is the single largest bottleneck in insurance distribution, and nobody has successfully automated it for complex risks.\n\nThat’s where Casey comes in.\n\n### **What Casey does**\n\n* Ingests client + risk data directly from broker systems\n* Auto-fills carrier applications & required supplemental forms in one click\n* Handles carrier follow-up questions, automatically matching these to existing data\n* If new info is required, generates the request and sends it to the client\n* Once complete, sends the full submission package to any carrier\n\n**The user uploads the documents needed for submission, and our system creates a custom risk profile based on the required data:**\n\n![uploaded image](/media/?type=post&id=94777&key=user_uploads/2628780/565403c8-e7e8-46c2-bdeb-fd134aee604d)\n\n**The custom risk data is generated, the user uploads SOVs which they received from the client, and the custom risk data is populated:**\n\n![uploaded image](/media/?type=post&id=94777&key=user_uploads/2628780/fe84393a-fb93-4839-ac5e-606b0faa6723)\n\n**The required forms for the submission are completed with the required risk data:**\n\n![uploaded image](/media/?type=post&id=94777&key=user_uploads/2628780/394e0e97-7e12-4e43-ba01-1e47d5b08835)\n\n### **Why it matters**\n\nThe first wave of insurtech largely focussed on automating smaller, simpler risks. Casey is built for the complex, high-premium business that actually drives revenue. This automation infrastructure enables clients to receive policies in a matter of days, compared to what now takes >1 month.\n\n![uploaded image](/media/?type=post&id=94777&key=user_uploads/2628780/e88a0a3b-c509-49bf-bb85-cad41a44e0c2)\n\n### **Our Story**\n\nWe’re [Max](https://www.linkedin.com/in/maximilian-thoelen/), [Nico](https://www.linkedin.com/in/nicohaenggi/) & [Pascal](https://www.linkedin.com/in/pascalkueng/) (left to right)\n\nWe previously built & scaled **Switzerland’s leading insurtech**, grape, as:\n\n* **Employee #1** - Head of Engineering (Pascal)\n* **Employee #2** - Tech Lead (Nico)\n* **Employee #10** - Chief of Staff (Max)\n\n![uploaded image](/media/?type=post&id=94777&key=user_uploads/2628780/9ad070fa-d6b6-41b8-a322-32f7353424a1)\n\n### **Our Ask**\n\nFurther intros to insurance brokerages who want to stop wasting time on manually filling out forms and pdfs, but instead want to focus on their clients.\n\n💻  Book a [demo](https://meetcasey.ai/)\n\n🌐 Follow Casey on [LinkedIn](https://www.linkedin.com/company/casey-labs/)", "url": "https://www.ycombinator.com/launches/Oef-casey-the-infrastructure-layer-for-insurance-distribution", "votes": 308, "created_at": "2025-10-20T17:10:45.372Z" } ] }, { "id": 30992, "name": "Amera", "slug": "amera", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/07c1dd923ce928d5a06d772f09a234366daa3513.png", "website": "https://amerahealthsolutions.com/", "all_locations": "New York City, NY, USA", "long_description": "Amera automates claims processing for health insurance payers. We turn messy claim inputs (PDFs, bills, receipts, EDI and non-standard submissions) into structured data that plugs into existing systems. This cuts manual entry and exception handling, speeding up operations and reducing cost.\r\n\r\nWe are already working with payers / plan administrators representing ~100k members, giving them access to more affordable care options.", "one_liner": "Automating claims processing workflows for health insurance payers.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1762373612, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2025", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/amera", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2025/amera.json", "year_founded": 2025, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/amerahealthsolutions", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/07c1dd923ce928d5a06d772f09a234366daa3513.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2218f6504fbb0a874bfbfd62ac4a5feb2973f75a.png" ], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 2745859, "full_name": "Deep Kapur", "title": "Founder/CEO", "founder_bio": "Building infrastructure to make health plans more cost-effective. Background in distributed systems, cloud infra, and healthtech. Previously product lead for market expansion at Rupa Health.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/deepkkapur/", "x_url": "https://x.com/deepkkapur", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/aaae77fd43441ccb1d6b1bba7732cc1c69373886.jpg" }, { "user_id": 273206, "full_name": "Louise Tanski", "title": "Founder", "founder_bio": "Cofounder of Amera. \n\nBuilt my first company, an analytics platform for eCommerce brands, in college and sold it to Moonshot Brands. Led core product at Rupa Health. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/louise-tanski/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/80531531cf060a8be3a9604a6b560bbe2ca275aa.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 95250, "title": "Amera - Automating health insurance claims processing", "tagline": "Amera automates claims processing workflows for health insurance payers, cutting manual work and reducing cost.", "body": "Hey everyone, we’re [Deep](https://www.linkedin.com/in/deepkkapur/) and [Louise](https://www.linkedin.com/in/louise-tanski/), co-founders of [Amera](https://amerahealthsolutions.com/).\n\n**TL;DR:** Amera automates claims processing workflows for health insurance payers: \n\n* Reducing plan admin costs by 20-30%\n* Processing claims in minutes vs weeks\n* Providing members with clarity and confidence in what’s covered and what they owe\n\nWe are already working with payers representing tens of thousands of members, giving them access to more affordable and transparent care options.\n\n![uploaded image](/media/?type=post&id=95250&key=user_uploads/2745859/a9f8a106-37a8-4025-84d7-96858702f15d)\n\nhttps://youtu.be/iSqBPqwWwAA\n\n**Healthcare in the US costs way more than it should.**\n\nHealth insurance costs are rising twice as fast as inflation. American families now pay over $30,000 a year for coverage they’re unhappy with. 160 million Americans get insurance through their employer, and to control these costs, many large companies (>250 employees) [self-insure](https://www.healthcare.gov/glossary/self-insured-plan/) - they pay employees' medical claims directly instead of buying traditional insurance from carriers like UnitedHealth or Cigna. But the infrastructure powering these plans is decades old - some core systems still run on COBOL. This legacy stack makes operations manual and expensive, blocking adoption of affordable plan designs or AI-driven automation that could lower costs.\n\n![uploaded image](/media/?type=post&id=95250&key=user_uploads/2745859/82de5250-de61-4b34-9ab4-f0d48503615e)\n\n**Amera is building the modern system-of-record for health insurance administration.** \n\nAmera converts messy claims data from any source into structured data that existing systems can use. From there, we automate repetitive back-office work - validation, reconciliation, and stop-loss reporting - cutting manual effort from hours to seconds and making the processes transparent for the first time.\n\n![uploaded image](/media/?type=post&id=95250&key=user_uploads/2745859/2670349e-9739-426a-b8d2-1c6986a6edfc)\n\nWhy is this hard? Health insurance tech has loose standards. Every plan runs on bespoke systems that cannot talk to each other. Claims arrive in hundreds of formats - EDI, PDFs, fax, proprietary systems - making automation nearly impossible without a unified data layer.\n\nWe’ve built the most comprehensive set of schemas for healthcare docs, designed to map to hundreds of custom formats and be fully interoperable. This makes it easy for us to layer new automation on top of existing systems. \n\n**Team**\n\n![uploaded image](/media/?type=post&id=95250&key=user_uploads/2745859/d1d0a543-8c24-4992-a152-a943133917c6)\n\nWe both went to Penn and later worked together at Rupa Health, where we saw firsthand how outdated health insurance infrastructure makes it nearly impossible to deliver affordable, flexible coverage. \n\nWe’re second time founders that have built and exited companies in workflow automation and healthtech, and spent months working with payers and plan administrators before starting Amera to rebuild the foundation healthcare runs on.\n\n**Our ask**\n\nConnect us with decision-makers in the self-insured ecosystem - especially TPAs, stop-loss carriers, or benefits advisors.", "url": "https://www.ycombinator.com/launches/OmI-amera-automating-health-insurance-claims-processing", "votes": 30, "created_at": "2025-11-06T17:03:24.976Z" } ] }, { "id": 31077, "name": "Panta", "slug": "panta", "former_names": [ "Panta Insure" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/dff0894649ff29064b020845633a9ebb22c2e9de.png", "website": "https://pantainsure.com", "all_locations": "San Francisco, CA, USA", "long_description": "Panta is a technology-enabled commercial insurance brokerage: we combine AI-powered internal workflows with licensed brokers to help businesses secure complex coverage faster than anyone in the world. ", "one_liner": "AI Native Commercial Insurance Brokerage ", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1766956081, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/panta", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/panta.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pantainsure/", "x_url": "", "fb_url": null, "cb_url": "Panta", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/dff0894649ff29064b020845633a9ebb22c2e9de.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 1041197, "full_name": "Vincent Chen", "title": "Founder/CEO", "founder_bio": "Founder @ Panta (W26). Building a commercial insurance brokerage run by AI agents.\n\nPreviously, I spent three years at Google building deep learning models and deploying agentic AI systems to billions of users (NotebookLM, Google Photos). I also built large-scale recommendation systems used by Fortune 500 companies like Disney.", "is_active": true, "linkedin_url": "https://linkedin.com/in/zihong-chen", "x_url": "https://x.com/dsdvincent", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eaf15d4bb0b4e89f5c09ba4544c32853afb14bd2.jpg" }, { "user_id": 2747620, "full_name": "Frank Wang", "title": "Founder/CTO", "founder_bio": "Founder at Panta (W26), building a commercial insurance brokerage powered by AI agents. Previously, he worked as a full-stack engineering contractor supporting Apple, where he built generative-AI and real-time systems. He contributes to the Gleam programming language and Rust's cargo-semver-checks, and earned an M.S. in Financial Engineering from UIUC with a 3.94 GPA and the Dr. Z. Ju Scholarship.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jiangdawang/", "x_url": "https://x.com/lifetime0x", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d3e87c5b75826f532fa0172326fc8a3b277fd2a9.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98174, "title": "Panta: AI-native commercial insurance brokerage", "tagline": "OpenClaw-style AI operators on a rack of Mac Minis doing the work of thousands of brokers.", "body": "## TL;DR\n\nPanta(Pantainsure.com) is an AI-native commercial insurance brokerage. Our AI operators run on a rack of Mac Minis — working with real file systems, logging into portals, writing forms, negotiating with underwriters, making calls — doing the exact same work a human broker does, across thousands of clients at once. We've been in production since December.\n\n\n\n## The Problem\n\nNot every business can buy insurance off the shelf. Standard insurers simply won't touch a trucking fleet, a nightclub, or a nursing home. These businesses need a broker to find specialty carriers willing to write the policy, negotiate the terms, and get it bound. This hard-to-place segment, known as the Excess & Surplus (E&S) market, accounts for $125B in premium every year.\n\nGetting one of these businesses insured takes \\~50 steps over two weeks. The broker's actual judgment matters for maybe 5% of the process. The other 95% is pure coordination—noticing what's next, executing it, and remembering where every file stands across email, phone, text, and PDF.\n\nBecause the entire workflow relies on human memory, every broker hits a hard ceiling at around 400 clients. It's not a lack of skill—it's simply impossible for one human brain to track the real-time state of 400 complex placements across emails, carrier portals, and PDFs.\n\n## Why We Go Full-Stack Instead of Selling Software\n\nEvery AI insurtech today focuses on making **one step** out of those **50** faster: better form fill, better quote analysis, better email drafts. But there are **no software margins in making a human 10% faster**. A broker who saves 10 hours a week goes from 400 clients to maybe 440 max.\n\nThe bottleneck isn't the speed of any single step—it's the single human brain holding the entire state of the placement together. So what does it take to go from **400** to **4,000** clients? This is the key: you can't build your way out of a coordination bottleneck with better software tools. To scale 10x, the **entire human coordination layer has to go**.\n\nWe spent months selling AI tools to brokers before realizing this. So, we stopped selling software and became the broker.\n\n## What We Built\n\nPanta is a licensed brokerage where the operations layer is entirely automated. Because of the complexity of brokerage workflow, **we built an internal OpenClaw agent way before it went viral out of necessity**. Our agents operate inside the exact same systems a human broker uses: file systems, carrier portals, email, phone, and PDFs.\n\n* **Submissions:** Read transcripts, emails, loss runs. Fill ACORDs and market-specific apps. Submit to the right carriers. Track every requirement.\n* **Follow-ups:** Chase underwriter responses. Answer questions. Keep every file moving until quotes are bindable.\n* **Service:** Issue COIs, handle endorsements. Same-day turnaround.\n* **Renewals:** Rebuild the risk file. Re-shop early. Surface tradeoffs before the last week.\n\nEverything is licensed, regulated, and audited. We have **human approval** gates on high-stakes actions and maintain full audit logs.\n\n**Example:** An armed security company guarding a 100,000-person stadium came to us after being rejected by six brokers over the course of a month. No one would touch it. Our agents had bindable quotes in three days with 60 emails.\n\n## The Team\n\n![uploaded image](/media/?type=post&id=98174&key=user_uploads/1041197/06096fb3-5d3d-420e-ba2c-048f0ba254ab)\n\nWe're both licensed commercial insurance brokers. Together we've placed explosives manufacturers, hazardous gas facilities, roofers, steel mills, and hazmat trucking. One placement alone meant 70 pages of forms, 100+ emails across carriers and underwriters, and weeks of back-and-forth — we've done this hundreds of times by hand. Everything Panta automates is a workflow we've personally executed.\n\n**Vincent (CEO)** — Previously AI/ML at Google: led a team of MIT/Berkeley PhDs building Vertex AI's foundational recommendation model, led NotebookLM Enterprise, shipped Ask Photos at Google I/O.\n\n**Frank (CTO)** — Previously Apple senior engineer. Built their Gen-AI chatbot and Rust infrastructure powering 1M+ realtime messages/month. Top-10 contributor to the Rust and Gleam ecosystems.\n\nWe've been close friends since high school. Living, building, and shipping together in San Francisco for the past year, seven days a week.\n\n## The Ask\n\n* **Hard-to-place risk?** Business rejected by standard markets? Broker went dark mid-renewal? We place risks in construction, trucking, oil & gas, hospitality, and manufacturing.\n* **Know a swamped broker?** Know a broker drowning in renewals? We're onboarding partners to handle their servicing/renewal.\n* Connect us: [vincent@pantainsure.com](mailto:vincent@pantainsure.com)", "url": "https://www.ycombinator.com/launches/PXS-panta-ai-native-commercial-insurance-brokerage", "votes": 102, "created_at": "2026-02-26T01:04:24.841Z" } ] }, { "id": 31129, "name": "Verdex", "slug": "verdex", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f35f0d4e2a885cb8f0c3f1b37d3a0f972156d53.png", "website": "https://www.verdexai.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Verdex is an AI insurance adjuster. We use data streams like satellite imagery to verify claims, allowing insurers to process it immediately and save billions of dollars. We are currently helping insure over 11% of all American farmland.", "one_liner": "AI Verification for Insurance", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1768239774, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/verdex", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/verdex.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/verdexai/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2f35f0d4e2a885cb8f0c3f1b37d3a0f972156d53.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jon Xu", "url": "https://www.ycombinator.com/people/jon-xu" }, "founders": [ { "user_id": 2724316, "full_name": "Jad Bousselham", "title": "Founder/CEO", "founder_bio": "Math + CS @ Dartmouth, where I built the world's best soybean yield prediction model using satellite imagery.\nMade in Morocco", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jad-bousselham/", "x_url": "https://x.com/jadbousselham", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ae2c2d26bbc64f3559dfc58546df2e64277daeeb.jpg" }, { "user_id": 2975522, "full_name": "Evan Rankin", "title": "Founder/CTO", "founder_bio": "Dartmouth BA BE - Engineering | Building an AI Insurance Adjuster", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/evan-rankin-/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/745da8b590689429d2a1cc2d441a6e93b5347ad1.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 98232, "title": "Verdex: Satellite Imagery Verification for Insurance", "tagline": "Helping insurers verify claims without leaving their desks", "body": "Hi everyone, we’re Evan and Jad — two Dartmouth grads building Verdex.\n\n**TL;DR:** Verdex replaces manual inspections in insurance with real-time digital audits. We use high-resolution satellite imagery to help insurers verify and settle claims without ever leaving their desks, starting with crop insurance.\n\n\n\n### The Problem\n\nCrop insurers worldwide spend over **$5 billion every year** on a single manual task: verification.\n\n* Today, insurers cannot verify a claim without physically sending an adjuster to a field.\n* This manual process is so slow and labor-intensive that it consumes nearly **10% of every premium dollar** collected globally.\n* As extreme weather events increase, the volume of claims is skyrocketing, making the current adjuster model completely unscalable.\n\n### The Solution\n\nVerdex allows insurers to monitor every field on earth in real time.\n\n* We combine high-resolution satellite imagery with local weather models to interpret field-level conditions with precision.\n* Instead of waiting weeks for a field visit, insurers can verify the insured asset in seconds and settle the claim instantly. This means insurers aren’t scrambling to dispatch adjusters, and policyholders get paid on the spot.\n* Last month, major regulators such as the USDA updated their guidelines to allow for satellite-based remote verification.\n\nWe are already live with one of the largest crop insurers in the US, helping them insure **100+ million acres** — that’s over **11% of all farmland** in the US. But insurance is more than just crops — our vision is to be the data and interpretability layer for any insurable asset you can see from space. We’re building the infrastructure to automate the verification process across insurance sectors like agriculture, property, and energy.\n\n### Our Ask\n\nWe are looking for intros to insurers in agriculture, property, and energy.\n\nIf you have a lead or want to see a demo, reach out at [**founders@verdexai.com**](mailto:founders@verdexai.com)!", "url": "https://www.ycombinator.com/launches/PYO-verdex-satellite-imagery-verification-for-insurance", "votes": 11, "created_at": "2026-02-27T17:45:29.532Z" } ] }, { "id": 31323, "name": "Hedge", "slug": "hedge", "former_names": [ "Taven" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/757956da562e7db7b519f5658a7c7ffb78f05a6b.png", "website": "https://www.hedgespecialty.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Hedge is an AI-Native specialty insurance company. We help insurance brokers find faster, cheaper, and better coverage for their customers. ", "one_liner": "AI-Native insurance company", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1777586182, "tags": [ "Fintech", "B2B", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/hedge", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/hedge.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/hedgeinsurance/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/757956da562e7db7b519f5658a7c7ffb78f05a6b.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 2567632, "full_name": "Luke Button", "title": "Founder/CEO", "founder_bio": "Building Hedge. Prev. founded Fernstone (AI-powered retail insurance brokerage), led a growth team at Traba (Series A, backed by Founders Fund), Head of Growth at Antimetal, cofounder at Contrast (acquired). ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/lukebutton/", "x_url": "https://x.com/lukebbutton", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/717eb78534ed7d2d8edf2ceae8d8697daa67808f.jpg" }, { "user_id": 3568359, "full_name": "Luke Rosa", "title": "Founder", "founder_bio": "Building Hedge. Prev. Head of Scaled Systems at Traba (Series A, backed by Founders Fund, Khosla), replaced humans with AI agents to manage $20 MM+ in revenue. Econ at UChicago. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/luke-rosa-4a2717160", "x_url": "https://x.com/lukerosa_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/524a034d003bd11ddfd046107d99a729dad21e3d.jpg" } ], "jobs": [ { "id": 106786, "title": "Founding Head of Partnerships", "url": "https://www.ycombinator.com/companies/hedge/jobs/OhSqnTH-founding-head-of-partnerships", "location": "Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$120K - $250K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106787, "title": "Founding Account Executive", "url": "https://www.ycombinator.com/companies/hedge/jobs/WJGXGrP-founding-account-executive", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$110K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106788, "title": "General Application", "url": "https://www.ycombinator.com/companies/hedge/jobs/ySdNL2F-general-application", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106789, "title": "Founding Sales Development Representative (SDR)", "url": "https://www.ycombinator.com/companies/hedge/jobs/y0kYytQ-founding-sales-development-representative-sdr", "location": "San Francisco - In Office", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $100K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106790, "title": "Founding Head of Markets", "url": "https://www.ycombinator.com/companies/hedge/jobs/TYij9MV-founding-head-of-markets", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $200K", "equity_range": "", "experience": "5+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106791, "title": "Founding Underwriter", "url": "https://www.ycombinator.com/companies/hedge/jobs/CJf8gSe-founding-underwriter", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106792, "title": "Founding Wholesale Broker - Commercial Auto", "url": "https://www.ycombinator.com/companies/hedge/jobs/vlnK55k-founding-wholesale-broker-commercial-auto", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106793, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/hedge/jobs/Tke1Rmp-business-development-representative", "location": "San Francisco - In Office", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $100K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106794, "title": "Founding Wholesale Broker - Property", "url": "https://www.ycombinator.com/companies/hedge/jobs/gwAnWOS-founding-wholesale-broker-property", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106795, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/hedge/jobs/Ne6tWKy-founding-engineer", "location": "San Francisco - In Office", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$150K - $250K", "equity_range": "1.00% - 3.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106796, "title": "Founding Wholesale Broker - Trucking", "url": "https://www.ycombinator.com/companies/hedge/jobs/e2SS7zW-founding-wholesale-broker-trucking", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106797, "title": "Founding Growth Operations", "url": "https://www.ycombinator.com/companies/hedge/jobs/BWCIwMc-founding-growth-operations", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$110K - $150K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106798, "title": "Founding Wholesale Broker - Casualty and Excess", "url": "https://www.ycombinator.com/companies/hedge/jobs/eGhKzSh-founding-wholesale-broker-casualty-and-excess", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106799, "title": "Founding Wholesale Broker - Professional Lines, Management Liability, and Cyber", "url": "https://www.ycombinator.com/companies/hedge/jobs/WzmvwG2-founding-wholesale-broker-professional-lines-management-liability-and-cyber", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106815, "title": "Founding Wholesale Broker - Medical Malpractice", "url": "https://www.ycombinator.com/companies/hedge/jobs/Xa6MiBj-founding-wholesale-broker-medical-malpractice", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106816, "title": "Founding Wholesale Broker - Entertainment", "url": "https://www.ycombinator.com/companies/hedge/jobs/ACmDtnJ-founding-wholesale-broker-entertainment", "location": "San Francisco - In Office", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$125K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 100966, "title": "Hedge: AI-native specialty insurance company", "tagline": "Helping brokers get faster and better coverage for their customers", "body": "**TLDR:** We help insurance brokerages get quotes faster and cheaper. We started as brokers, realized insurance is broken end to end, and are now building the plumbing to fix it.\n\nWe’re hiring across sales, ops, and engineering here in SF. [**Apply here**](https://www.workatastartup.com/companies/hedge)**.** \n\n### **The problem:**\n\nI started a YC-backed AI-native insurance brokerage because buying insurance sucked.\n\nWe thought the answer was building a better brokerage. But then we became brokers and realized we weren’t actually fixing the system.\n\nBrokers do important work. They help businesses navigate a messy market. But they don’t control the parts of the stack that determine speed, price, and coverage.\n\nEvery quote still depends on multiple layers of brokers, underwriters, carriers, reinsurers, MGAs, and wholesalers.\n\nEach layer is still manual. Someone re-enters the same information by hand, then emails it to another person in the chain who does the same.\n\nEven when brokers move fast, quotes still sometimes take days or weeks. Brokers hate this. Their customers hate it even more.\n\nWe realized the only way to fix this was to go full stack and rebuild the workflows ourselves.\n\n### **What we’re building:**\n\n[**Hedge**](https://www.hedgespecialty.com) helps insurance brokerages get better, faster, and cheaper coverage for complex businesses.\n\nTo do this, we’re starting with the wholesale layer. The first major bottleneck for brokers.\n\nOur competitors are billion-dollar businesses that are still almost entirely human-driven. Ryan Specialty, one of the largest wholesalers, spends almost 60% of revenue on salaries. Their version of innovation is giving manual work to offshore contractors.\n\nWe think the better version is rebuilding the workflow around AI from day one. Hedge uses AI agents paired with underwriting to help brokers get quotes faster.\n\nSoon, we’re moving up the stack: combining wholesale distribution and underwriting into one AI-native insurance company built to help brokers win more business.\n\n### **Let’s talk!**\n\nWe’re already working with some of the fastest-growing brokerages we know, and now we’re scaling as fast as possible.\n\nIf you place E&S business and want faster, cheaper quotes for your clients, we’d love to work with you.\\\n\\\nTo learn more:[ hedgespecialty.com](https://www.hedgespecialty.com/)\\\n\\\n**We’re hiring! [Apply here](https://www.hedgespecialty.com/careers)**\n\n![uploaded image](/media/?type=post&id=100966&key=user_uploads/2567632/24c6880c-1e40-4812-a0b5-ada49876f9db)\n\n", "url": "https://www.ycombinator.com/launches/QGU-hedge-ai-native-specialty-insurance-company", "votes": 17, "created_at": "2026-05-08T05:52:39.977Z" } ] }, { "id": 31382, "name": "Kinro", "slug": "kinro", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/0a6042942a7506c8f7817f8f92ca6675143b71ba.png", "website": "https://www.kinro.com/", "all_locations": "San Francisco, CA, USA", "long_description": "We help small business owners get the right coverage.", "one_liner": "Autonomous insurance brokerage for small businesses", "team_size": 6, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1773944938, "tags": [ "Fintech", "Insurance", "Consumer Finance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/kinro", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/kinro.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/kinro-ai/", "x_url": "https://x.com/kinroai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/0a6042942a7506c8f7817f8f92ca6675143b71ba.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 2043734, "full_name": "Pierre-Alexandre Kamienny", "title": "Founder/CEO", "founder_bio": "I am the co-founder & CEO of Kinro, the first autonomous insurance brokerage.\nPreviously Research Scientist at Google DeepMind & Meta.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pakamienny/", "x_url": "https://x.com/pierrealexai", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/8011f44491a795f4215a55159a7c9b09eab0bb1e.jpg" }, { "user_id": 3399845, "full_name": "Parth Ainampudi", "title": "Founder/CTO", "founder_bio": "Co-Founder and CTO of Kinro AI", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/partha42/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fe864aaf327324d1df33b5061c87e9160c1dea01.jpg" }, { "user_id": 3226721, "full_name": "Corentin Hugot", "title": "Founder/COO", "founder_bio": "I am the co-founder & COO of Kinro AI. \nKinro enables sales of insurance in AI native platforms like ChatGPT.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/corentin-hugot/", "x_url": "https://x.com/corentin_hgt", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/33cfc43b4150b1e60e86301f8a32c4c9e650a725.jpg" } ], "jobs": [ { "id": 107965, "title": "Content & Brand Intern", "url": "https://www.ycombinator.com/companies/kinro/jobs/TZ7vUM1-content-brand-intern", "location": "San Francisco, CA, US", "type": "Internship", "role": "Marketing", "role_type": null, "salary_range": "$4K - $10K / monthly", "equity_range": "", "experience": null, "visa": "US citizen/visa only", "skills": [] }, { "id": 109891, "title": "Insurance Producer", "url": "https://www.ycombinator.com/companies/kinro/jobs/X8IIJLV-insurance-producer", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$50 - $80", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 103281, "title": "Kinro - The first autonomous insurance brokerage", "tagline": "Our AI agents handle the full broker workflow 24/7, from finding prospects to binding policies.", "body": "![uploaded image](/media/?type=post&id=103281&key=user_uploads/3226721/30408a2d-dd8a-47e8-a0b7-b6c76f94eee2)\n\n_We hesitated between rap and insurance…_\n\nPreviously, we hit $1M in annual revenue building insurance workflows for brokers. Then we realized **the bigger opportunity was replacing them.**\n\nIn the US, there are 36 million SMBs, and 77% are underinsured because distribution is broken. Brokers can’t serve low-premium SMBs profitably: a $2K policy takes almost as much work as a $20K one.\n\nKinro changes that. Our AI agents handle the full broker workflow 24/7, from finding prospects to binding policies.\n\nIn 3 weeks, we got licensed in 30 states, appointed by 15 carriers, and **we bound the first-ever autonomously sold insurance policy.**\n\nBefore Kinro, [Pierre-Alexandre](https://www.linkedin.com/in/pakamienny/) was an AI researcher at DeepMind (post-training Gemini on financial services). [Parth Ainampudi](https://www.linkedin.com/in/partha42/) led ML infra at Zoox and I was Chief Insurance Officer at an MGA (insurtech).\n\n**Asks**\n\nIf you ever need commercial insurance and want us to shop for you, hit us at [kinro.com](http://kinro.com) (yes we bought the domain for $25k, story [here](https://x.com/pierrealexai/status/2060382045571072043))! \n\n![uploaded image](/media/?type=post&id=103281&key=user_uploads/2043734/bac0ad88-22f1-4376-accb-852778c22c1e)\n\n_Post-pivot, Kinro goes to Atlanta to work for 48 straight hours with a retail broker specialized in selling to residential contractors._\n\n**Q&A**\n\n_“Why pivot?”_\n\nWe entered YC with a signed $1M enterprise sale to the 2nd largest auto-insurance comparator in the US a few days before (and a third of that money was wired). \n\nFirst OH, [@Nicolas Dessaigne](https://bookface.ycombinator.com/user/5628) asked us _“Why not become a broker directly?”_. \n\nWe told him we thought we could reproduce that sale with other brokers and maybe carriers. A month in, we hadn’t yet reproduced the same feat (though we had secured a pilot with the 3rd insurance broker on Earth: WTW). It became more and more obvious that integrations were deep (and FDE intensive) and enterprise sales were endless.\n\nWhat felt most off was the gap between what we were doing and our long-term vision: helping small business owners and individuals find the right insurance, wherever they are and whenever they need it.\n\n_“So why not just build that?”_  \\\n\\\nWe always knew we would eventually. Selling to brokers gave us a way to learn while getting paid. But we realized we weren’t learning as fast as we would by building directly for the people we ultimately wanted to serve.\n\n1.5 months later, we came back to him _“Nicolas, we want to become brokers… and this $1M is bad for us”_, he simply answered _“Oh I told you guys, this was obvious”_ (LOL). Walking away from >1M+ from all our clients felt easier after talking about this to [@Nicolas Dessaigne](https://bookface.ycombinator.com/user/5628) and [@Mathilde Collin](https://bookface.ycombinator.com/user/43195). Without YC, we would have waited much longer.\n\n_“What types of insurance do you sell?”_\n\nWe sell small business insurance (General Liability, Business Owner’s policy, Worker’s compensation, Commercial Auto…). We focus on admitted markets where checking carriers' appetite and getting quotes can be fully automated with no communication with carriers.\n\n**This new launch video as embarrassing as it is is worth watching! Send us a text if you want your angels to take care of your business.**", "url": "https://www.ycombinator.com/launches/Qrp-kinro-the-first-autonomous-insurance-brokerage", "votes": 7, "created_at": "2026-06-16T15:35:00.984Z" } ] }, { "id": 31440, "name": "Mount", "slug": "mount", "former_names": [ "Cybe" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fa5208859312a795f7e72dfb9eb2a5149785a216.png", "website": "https://mount.insure", "all_locations": "San Francisco, CA, USA", "long_description": "TLDR: Mount is building the AI insurance carrier, starting with liability coverage for deployed AI agents. As everyone moves AI Agents into production and gives them more responsibility, we help businesses insure and secure them.\r\n\r\nWhenever responsibility shifts from human operators to autonomous systems, so too does the liability that accompanies it. The systems also introduce new risks: agentic software failures, prompt injection attacks, autonomous workflow errors, data leaks, and more.\r\n\r\nLegacy insurance was not built for this. Existing policies are often silent, ambiguous, or exclude autonomous software, and traditional insurers lack the data and technical capability to assess deployed AI Systems.\r\n\r\nOur first product, the Mount AI Liability Policy, is built for mid-market and enterprise companies deploying autonomous AI agents in real business processes. We scan and red-team AI deployments, quantify operational risk, help fix vulnerabilities, and insure the residual risk with purpose-built AI liability coverage.\r\n\r\nMount is best thought of as a highly automated version of today's commercial insurance carriers, which run on manual workflows, layers of intermediaries, and tens of thousands of employees. AI enables automation of underwriting, pricing, policy issuance, claims, fraud detection, customer support, and distribution. We believe that the best way to use this opportunity is to rebuild those processes from the ground up. ", "one_liner": "The AI Agent Insurance Carrier", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1775605248, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/mount", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/mount.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/mountyc26/posts/?feedView=all", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fa5208859312a795f7e72dfb9eb2a5149785a216.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 1458269, "full_name": "Fabian Amherd", "title": "Founder", "founder_bio": "Founder at Mount (YC P26) | Mount insures companies against AI risks.\n\nI studied Computer Science at ETH Zürich, focusing on machine learning. At MESH, an ETH robotics spin-off, he built and deployed custom CNNs for real-time object detection in industrial robotics. Before that, he founded and ran a web development company for 3.5 years, starting at age 16. \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/fabianamherd/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e48445f6df9492ee1ff4f7f1a012287b0283a757.jpg" }, { "user_id": 3284831, "full_name": "John Bachmann", "title": "Founder", "founder_bio": "Founder at Mount (YC P26) | Mount insures companies against AI risks. \n\n... \n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/john-bachmann-844978301?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c18569ab9dd6d0d26e699b9409464f2eaa865153.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 101822, "title": "Mount - The AI-Agent Insurance Carrier", "tagline": "As AI Agents move into production, we help businesses insure and secure them.", "body": "**TLDR: Mount sells liability insurance for companies deploying AI agents in production. We scan and red-team the agent workflow, reduce failure modes, and insure the residual risk with purpose-built AI-agent liability coverage. Mount helps companies manage AI risk and unlock AI Agent adoption at scale.**\n\n> “I think this is a great idea. First of all, I’ve been waiting for more people to do this. \\[…\\] Insurance is shockingly important to how society works. No one is doing a good job of underwriting this right now.” - Sam Altman on Mount\n\n# \n\n\n\n# AI Agents Need Insurance\n\nThe bottleneck for the economic impact of AI Agents has moved from capability to production-grade reliability and trust. The models are, by far, smart enough for a broad range of use cases, yet many pilot projects are struggling to transition into production.\n\nAI agents now write code, handle customer data, move money, and update records. The more responsibility we give AI systems, the more liability shifts from humans to autonomous systems.\n\nCompanies are faced with a simple but impactful question:\n\n“**Who is liable if AI systems fail or cause financial harm**?”\n\nToday, the answer is unclear.\n\nExisting insurance policies are often silent, ambiguous, or exclude autonomous software, simply because they were created many years ago. The insurers behind them don’t want to cover this. They lack the data, the knowledge, and the speed to assess deployed AI systems.\n\nFor real production agents, “maybe covered, potentially disputed” is not good enough.\n\n# Why now\n\nInsurance is one of the most heavily regulated industries in existence, creating durable moats that do not shrink even as we progress towards AGI. We are starting now because we believe this market will become obvious in the next 6–12 months:\n\n* Agent adoption is accelerating.\n* As agents gain capability, companies give them more responsibility to profit from it.\n* Like with any technology, companies will need a risk-transfer mechanism before deploying it in high-stakes workflows.\n* Existing cyber and E&O carriers will not want to silently absorb autonomous-agent losses. They do not understand this risk and lack the speed to keep up. We are already seeing a first wave of AI-related exclusions.\n\n# What Mount Does\n\nToday, we’re announcing **Mount AI Agent Liability Insurance**, our first product.\n\nIt is designed for mid-market/enterprise companies deploying autonomous AI agents in real business processes.\\\nHere’s what it does:\n\n1. Scan and red-team the AI deployment.\n2. Quantify the operational risk and secure vulnerabilities.\n3. Insure residual risk with purpose-built AI liability coverage.\n\nThis product delivers peace of mind for thousands of AI-native companies conquering their industries.\n\n# Vision\n\nMount is best thought of as a highly automated commercial insurance carrier.\n\nToday, commercial insurance runs on manual underwriting, slow pricing, paper-heavy policy issuance, brokers, MGAs, TPAs, claims handlers, and large back-office teams. AI changes that. It allows us to automate underwriting, pricing, issuance, claims, fraud detection, customer support, and distribution from the ground up.\n\nOur first product is AI liability insurance. That is the right wedge because AI risk is new, poorly understood, and difficult for traditional carriers to underwrite. But the bigger vision is not to remain in a single niche. We want to use AI liability as the initial beachhead, build the underwriting and operating infrastructure, and then expand aggressively into additional commercial insurance lines.\n\nThe goal is simple: to offer faster, cheaper, and better coverage than incumbents by rebuilding the carrier stack with AI at its core.\n\n# Team\n\nFabian studied CS/ML at ETH Zürich before dropping out and has been building AI systems for 6+ years. While building his last startup, he saw firsthand how technically performing systems get blocked on their way to production if they can't build trust and prove reliability.\n\nJohn previously founded an AI-first media company at 18 after dropping out of high school and scaled it to $400K in revenue. Automating every step from intake to fulfillment, he knows what it means to rebuild traditional processes from the ground up.\n\n![uploaded image](/media/?type=post&id=101822&key=user_uploads/3284831/de838c30-d8d1-4fbf-a56c-7b559c42a561)\n\n---\n\n## Get in touch\n\nIf you are deploying AI agents, looking to insure AI-related risks, or interested in investing in the next generation of commercial insurance, we’d love to talk.\n\n📩 Email us at: [fabian@mount.insure](mailto:fabian@mount.insure) \\\n📅 Or book a meeting here. ", "url": "https://www.ycombinator.com/launches/QUI-mount-the-ai-agent-insurance-carrier", "votes": 181, "created_at": "2026-05-22T18:49:14.885Z" } ] }, { "id": 31539, "name": "Klaimee", "slug": "klaimee", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/28ec0b5eb9ee17aca79ca3ae9075dcef5cfe09eb.png", "website": "https://www.klaimee.ai", "all_locations": "San Francisco, CA, USA", "long_description": "Klaimee is the first insurance for your AI agents. It covers what traditional E&O and cyber explicitly carve out, so you can deploy agentic AI at scale with real peace of mind.\r\nBuilt for companies deploying agentic AI, self-serve from day one.\r\n\r\nThe problem: AI agents are taking actions autonomously buying, emailing, modifying sensitive data. AB 316 already holds deployers liable. EU AI Act enforces in August. Cyber and E&O insurance are excluding AI claims. Companies shipping agents have zero coverage and no third-party proof their agent is safe. Enterprise legal asks \"who pays if your agent breaks something?\" and there's no good answer.\r\n \r\nWe built the answer. Critical-category risk evaluation, certification, financial guarantee, liability insurance and the documentation enterprise procurement needs to sign off.\r\n\r\nTeam: Ines (ex-General Manager at SafetyWing, grew insurance product from $5M to $60M revenue, 5 years launching insurance products from scratch and structuring a TokioMarine MGA into its own carrier) + Julien (AI software engineer + corporate strategy, enterprise compliance).\r\n\r\nWe understand how insurance works, what enterprises require, and why startups can't wait 6 months for either.", "one_liner": "Liability insurance for AI Agents. You deploy agents, we cover you.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1775456412, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": [ { "question": "What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?", "answer": "AI agents can now execute financial transactions, access sensitive data, and take real-world actions, but there is no insurance, no certification, and no clear liability framework for when they fail.\r\n\r\nThis is the same gap that existed with cyber risk in the early 2000s, before a $15B+ insurance market emerged. We’re at that same inflection point with AI.\r\n\r\nThe signals are already there: AI-related incidents are being carved out of traditional liability coverage, lawsuits are growing rapidly, and enterprises are still under pressure to deploy AI. The result is a fast-growing, unaddressed risk layer.\r\n\r\nWe saw this firsthand. We were building AI agents for claims processing: handling payments and decisions inside regulated environments. Every customer asked the same question: who is liable when the agent gets it wrong? There was no answer.\r\n\r\nThat’s when it became clear: this infrastructure has to exist before enterprise AI can scale.\r\n\r\nInes had already built insurance products from zero at SafetyWing, including carrier relationships and underwriting frameworks. We realized we were uniquely positioned to build the certification and insurance layer for AI agents - so we did." }, { "question": "What is your long-term vision? If you truly succeed, what will be different about the world?", "answer": "Every transformative technology needs a trust layer before it can scale.\\\r\nThe internet needed cybersecurity. Cloud computing needed compliance and audit standards.\r\n\r\nAI is next.\r\n\r\nToday, AI agents can act but they can’t be trusted at scale. There is no standard for how they’re evaluated, no clear liability when they fail, and no infrastructure to make them safe to deploy in critical environments.\r\n\r\nIf we succeed, the liability and certification framework we build won't just protect enterprises, it will make AI itself safer, more accountable, and more auditable at a global scale. We are not just selling insurance. We are building the infrastructure that allows the agentic world to exist." } ], "url": "https://www.ycombinator.com/companies/klaimee", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/klaimee.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/klaimee", "x_url": "https://x.com/klaimee_ai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/28ec0b5eb9ee17aca79ca3ae9075dcef5cfe09eb.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/2f1148f58e99936976af75a93c3a72e1a0f2369b.png" ], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 2955371, "full_name": "Ines Boutemadja", "title": "Founder/CEO", "founder_bio": "Co-founder and CEO. Building insurance for AI risk.\n\nFormer GM at SafetyWing (W18), where I built carrier insurance infrastructure and launched new insurance products from scratch. Now applying the same playbook to AI agents, giving companies the liability coverage they need to deploy AI with confidence. \n\nHEC Paris (Grande École) and NUS (Msc in Management) graduate.\nMultilingual (Arabic, French, Spanish, English, Mandarin).\nFirst Algerian women in YC.\n", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/inesboutemadja", "x_url": "https://x.com/inesboutem", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/01659be91af5ea3f17af0d035e0dd7dafde6a867.jpg" }, { "user_id": 1500510, "full_name": "Julien Catonnet", "title": "Founder/CTO", "founder_bio": "From corporate strategy to software engineering. Co-founder and CTO of Klaimee, AI agent risk certification and liability coverage. Self-serve", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/julien-catonnet-18624162/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1dac5da6f2f594e6cff6e3d1c2f5a4e030bf4a20.jpg" } ], "jobs": [ { "id": 103073, "title": "General Counsel & Head of Insurance", "url": "https://www.ycombinator.com/companies/klaimee/jobs/CXFmWvr-general-counsel-head-of-insurance", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Legal", "role_type": null, "salary_range": "$200 - $300", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 105317, "title": "Founding GTM Lead ", "url": "https://www.ycombinator.com/companies/klaimee/jobs/yBVUdLJ-founding-gtm-lead", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$80 - $150", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106309, "title": "Growth Marketer (Founding) ", "url": "https://www.ycombinator.com/companies/klaimee/jobs/yqjRU31-growth-marketer-founding", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$75 - $110", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 106312, "title": "Founding Broker Partnerships Lead", "url": "https://www.ycombinator.com/companies/klaimee/jobs/z9edN2S-founding-broker-partnerships-lead", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$80 - $150", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 107266, "title": "Growth Marketer (Intern) ", "url": "https://www.ycombinator.com/companies/klaimee/jobs/VkqRyxv-growth-marketer-intern", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$50K - $80K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 100700, "title": "Klaimee insures your AI Agents", "tagline": " Klaimee is the first purpose-build E&O coverage for AI agents.", "body": "**TL;DR: [Klaimee](https://klaimee.ai) is the first insurance for your AI agents. It covers what traditional E&O and cyber explicitly carve out, so you can deploy agentic AI at scale with real peace of mind.**\n\n80% of Fortune 500 companies are already using AI agents. That’s creating a new kind of liability risk no one is really covering yet.\\\nEnterprises want AI. But they want to know “who pays if something goes wrong”? There’s no clear answer today.\\\nMeanwhile, AI-related lawsuits are up 137% between 2024 and 2025.\n\n> 👋 Hi, we are Ines and Julien.\\\n> [Ines](https://www.linkedin.com/in/ines-boutemadja/) was General Manager at SafetyWing (W18), she spent the last 5 years building insurance products from scratch, structured a Tokio Marine MGA, and got the Puerto Rico carrier license, scaling an insurance startup from $5M to $60M. She ran this playbook before, doing it again, AI-native this time.\\\n> [Julien](https://www.linkedin.com/in/julien-catonnet/) handles the engineering and enterprise compliance side. He has a strategy consulting background, working with corporates and insurance, coupled with a deep software engineering and AI expertise.\\\n> 🔥 Our team brings the best of both worlds to underwrite the new emerging AI risk.\n\n### **💡 The opportunity:**\n\nTraditional insurance was built for deterministic software; it either works or throws an explicit error. AI agents fail silently and not uniformly. So cyber won't cover it. E&O won't cover it either.\n\nThe existing insurance industry lacks the velocity and deep AI knowledge to fill this gap.\n\nWe built [Klaimee](https://klaimee.ai) to do exactly that: we provide liability insurance, financial guarantee, critical risk evaluation, certification, and procurement documentation enterprises require, all in under 24 hours.\n\nWatch our launch video below \n\n### **⚙️ How we do it:**\n\nTo insure AI agents, we had to reinvent how traditional underwriting works. Our proprietary, three-block system determines an agent’s risk score and insurance price:\n\n1. **Public Data Scan:** We scan publicly available data related to the agent.\n2. **Governance Assessment:** We ask 30 questions concerning the agent’s governance.\n3. **Behavioral Testing:** We actually test your agent’s behavior, firing more than 100 probes (prompt injection, jailbreak, decision drift, data leakage, biased outputs) to understand _when_ and _how_ it fails.\n\n![uploaded image](/media/?type=post&id=100700&key=user_uploads/2955371/49d6f4de-8787-48c4-a6b2-728323148e81)\n\n![uploaded image](/media/?type=post&id=100700&key=user_uploads/2955371/9ebe5a9c-7ce0-4d29-b3f5-c7017ca8d0d7)\n\n**Score it. Certify it. Underwrite it. Insure it ▷ with a 24h turnaround.**\n\nWe bring the trust layers so startups and enterprises can deploy agentic AI with peace of mind.\n\n### **🛡️ What we cover: AI agents in healthcare and biotech, finance & accounting, IT & software development, law & legal tech, customers support and sales agents.**\n\nAI Agents act like humans: they take actions, make decisions, and have a real impact that can cause damages. At[ Klaimee](https://klaimee.ai), we cover the actual behavior of the AI agents. Real failure modes happening in production right now:\n\n* An agent hallucinated a contract clause your customer relied on.\n* An agent leaked one patient’'s data to another.\n* An agent made a biased call in lending, hiring, or pricing.\n* An agent took an unauthorized action with financial damage downstream.\n\n### **⌛️ Why now:**\n\nMajor insurers like Berkshire, Chubb, and Travelers are winning state approval to exclude AI liability from standard commercial policies, leaving every agent-deploying company exposed. And it is leaving every agent-deploying company exposed.\n\nThe ISO, which sets standards for 70% of the U.S. market, is making AI exclusions the default for Commercial General Liability policies (ISO CG 40 47 / CG 40 48 endorsements). The EU AI Act enforces in August 2026.\n\nEvery Fortune 500 procurement team is now asking the AI insurance question, and the answer from incumbents is \"we exclude that.\"\n\nThe same thing happened with cyber 20 years ago. It got carved out of existing policies. A whole new line of insurance was created. The same shift is happening with AI right now. And nobody has built the product for it yet.\n\nInes has done this in insurance before. Julien goes deep on the AI side. Together we know how to actually price the risk.\n\nWe understand what enterprise buyers need to see, and why a startup can’t sit around for 6 months waiting on a traditional carrier.\n\nIf you’re shipping AI agents into enterprise, you should already be thinking about coverage.\n\n### We’re underwriting our first cohort now → [**klaimee.ai**](http://klaimee.ai)", "url": "https://www.ycombinator.com/launches/QCC-klaimee-insures-your-ai-agents", "votes": 44, "created_at": "2026-05-03T23:41:44.304Z" } ] }, { "id": 31564, "name": "Huscarl", "slug": "huscarl", "former_names": [ "Huscarl", "Huscarl Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f24300b3eb986e7f19356d2f4af0a1aefc7a5841.png", "website": "https://www.huscarl.io/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Huscarl is building an autonomous AI actuary to enable self-insurance for corporations.\r\n\r\nLarge companies use insurance subsidiaries (\"captives\") to self-insure their risks. Some of these captives are larger than regional insurers. We provide them the actuarial and modeling layer to operate and grow.\r\n\r\nWe're building a future where self-insurance is the default, and commercial insurance the exception. This is the best way to solve the inefficiencies of the $1T corporate insurance market.", "one_liner": "AI-native actuary enabling self-insurance for corporations", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1776797773, "tags": [], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/huscarl", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2026/huscarl.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/huscarl/about/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f24300b3eb986e7f19356d2f4af0a1aefc7a5841.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/235d3834b74ae4be21bb9eb84eae8cb428b009b6.png" ], "primary_partner": { "name": "Pete Koomen", "url": "https://www.ycombinator.com/people/pete-koomen" }, "founders": [ { "user_id": 3407956, "full_name": "Alex Musy", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO at Huscarl\nPreviously launched and scaled the world's first cyber parametric insurance for mid-market and Enterprise at Descartes Underwriting\nStudied Philosophy and Management at HEC Paris and ENS Ulm", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexandre-musy-653012148/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dee6f6d30974f39e0dc360625f05a63fd26d197e.jpg" }, { "user_id": 3408215, "full_name": "Paulien Jeunesse", "title": "Founder/CTO", "founder_bio": "PhD in Actuarial Science (ENS / Dauphine) turned AI Founder. Previously at Descartes Underwriting, where I co-built a 7-figure cyber product.\nNow building the world's first AI-native insurance broker for the mid-market. We use agentic workflows to turn 300-page policies into math.", "is_active": true, "linkedin_url": "https://linkedin.com/in/paulienjeunesse", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4b40afedbe36645c1cd9186fc55dad38d5b6f7a4.jpg" } ], "jobs": [ { "id": 95471, "title": "Member of technical staff – Paris", "url": "https://www.ycombinator.com/companies/huscarl/jobs/fQTxjSs-member-of-technical-staff-paris", "location": "Paris, IDF, FR / Paris, Île-de-France, FR", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "€60K - €90K EUR", "equity_range": "2.00%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [ { "id": 100038, "title": "Huscarl: actuarial intelligence for corporate insurance buyers", "tagline": "30% cheaper insurance for zero downside", "body": "TLDR: Huscarl is an AI-native insurance advisory firm for corporations ($50M+ revenue). We help them save 30% on annual premiums with zero downside.\n\n[**https://youtu.be/HuHWqokdRFo**](https://youtu.be/HuHWqokdRFo)\n\nHey guys, we’re Paulien and Alex, and we’re building Huscarl to fix corporate insurance.\n\n**Problem**\n\nAll of the companies we worked with were :\n\n* Overinsured in some areas, because brokers and insurers want to sell them more insurance than they need\n* Underinsured in others, because they don’t fully understand the risks their business is facing\n\nRisk managers face huge internal pressure because insurance costs 2% of a company’s revenue every year and it feels like it never pays when you need it.\n\n**What we’re building**\n\nWe’re building an AI-native actuarial advisory that:\n\n* Tells you if you’re paying the right $ for your coverage\n* Tells you what to keep, change or kill in your insurance program\n\nBy creating insurance programs that fit perfectly a company’s risk profile, we’re able to generate \\~30% premium savings for similar or better coverage, and get the risk manager promoted :)\n\n**The team**\n\n![uploaded image](/media/?type=post&id=100038&key=user_uploads/3407956/8337ed8b-f6b4-4f89-8582-d18d20798e40)\n\nBefore joining YC, Alex (on the left) and Paulien (on the right) created together the world’s first cyber parametric insurance for corporations.\n\n**Long-term vision**\n\nOur end game is to empower corporations manage their own risks like an insurance company does. The most sophisticated buyers already self-insure >90% of their risks through in-house insurance subsidiaries called “Captives”. Largest captives are larger than regional mutual insurers and yet remain underserved by insurance professionals.\n\n**The ask**\n\nWe work with all mid-sized and large companies above $50M with no cap (our biggest lead is a FAANG). Intros to CFOs, Chief Risk Officers or Risk managers would be very appreciated!\n\n**Website: [huscarl.io](http://huscarl.io)**", "url": "https://www.ycombinator.com/launches/Q1W-huscarl-actuarial-intelligence-for-corporate-insurance-buyers", "votes": 27, "created_at": "2026-04-22T05:59:54.448Z" } ] }, { "id": 32352, "name": "Veltha", "slug": "veltha", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/086027e8af9fab6d08a460f136457d84dbf6f354.png", "website": "https://veltha.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Veltha is the AI native TPA starting with workers comp. We handle claim for insurance providers end to end.\r\n\r\nLearn more at https://veltha.ai", "one_liner": "AI native TPA starting with workers comp", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1786650265, "tags": [ "Fintech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/veltha", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/veltha.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/130564928", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/086027e8af9fab6d08a460f136457d84dbf6f354.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 2366971, "full_name": "Edin Citaku", "title": "Founder/CEO", "founder_bio": "Edin is CEO and co-founder of Veltha, building the AI adjuster for regulated insurance. Prior to Veltha he led Palantir's AI deployment at the german FBI. \nHe graduated with BSc and MSc in computer science at the TU Munich", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/edin-citaku-564000127", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bdaf52429b81f014247f0a4fb52680e9164ce91a.jpg" }, { "user_id": 976541, "full_name": "Roland Jaloszynski", "title": "Founder/CTO", "founder_bio": "Roland is a co-founder of Veltha, an AI-native TPA. He was previously a technical lead on mortgage underwriting automation at Palantir for a $642B servicer, compiling agency guidebooks into executable rules. He earned his computing degree from Poznan University of Technology while working as a software engineer at Amazon, LocalBini and DAC.digital.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/roland-jal", "x_url": "https://x.com/RJaloszynski", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1d12b27a5c3db72426424a70065a0a1a72eb1d87.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 115477, "title": "Veltha: AI native TPA for Workers’ Comp", "tagline": "Veltha reduces 6 hours of adjuster work to 10 minutes with better outcomes", "body": "**TL;DR: Veltha is an AI-native TPA for workers' compensation. TPAs process claims for insurance providers, and our AI owns this service end to end. An adjuster only reviews the decision, work that used to take 6 hours now takes 10 minutes - with better outcomes.**\n\n\n\n**The problem**\n\nTPAs deliver terrible service across the board. We have yet to find a carrier or employer that is happy with theirs. The misalignment is structural: TPAs make most of their profit on fees layered on top of claims handling, so quality of the core service barely affects their bottom line. So we decided to deliver the service ourselves.\n\n**What we built**\n\nVeltha runs the whole claim file end to end:\n\n* **Triage.** Reads incoming claim emails and documents, classifies them, and routes each claim to the right workflow.\n* **Gap detection.** Checks the file for missing documents and records, then requests them by email, phone, or fax and runs follow-up cadences until they land.\n* **Compliance review.** Applies the governing laws and produces a determination where every output is tied to a source and a specific regulatory rule.\n\nOur licensed adjusters review and sign every decision. One adjuster on Veltha handles 4x the caseload of a traditional adjuster with better and quicker outcomes.\n\n**Our ask**\n\nWe'd love intros to:\n\n* **Carriers and MGAs writing workers' comp** who need a claims administration partner.\n* **Risk managers and benefits leaders at self-insured employers**, especially claims-heavy, high-risk workforces. Think Disney, Marriott, Ford, PG&E, Caterpillar, SpaceX, Netflix. If you know someone at a company like that, an intro is gold.\n* **Brokers and consultants** who place TPA relationships for their clients.\n\nReach us at [hello@veltha.ai](mailto:edin@veltha.ai) or ping us here. Thanks YC 🙏", "url": "https://www.ycombinator.com/launches/U2X-veltha-ai-native-tpa-for-workers-comp", "votes": 2, "created_at": "2026-10-07T18:00:00.115Z" }, { "id": 111427, "title": "Veltha: AI claims adjuster for regulated insurance", "tagline": "Veltha reduces six hours of adjuster work to 10 minutes, with adjusters still making the final call", "body": "**TL;DR: Veltha reads an entire claim file, flags what's missing, and applies the exact federal regulation that governs it, producing a citation-backed determination a human adjuster just signs off on. Work that took an adjuster \\~6 hours now takes \\~10 minutes.** Starting with workers' comp and crop insurance.\n\n\n\n**The problem**\n\n1 in 4 claims adjusters expect to retire within five years. Experienced adjusters are retiring faster than carriers can replace them, and processing capacity is now the binding constraint on growth.\n\n**What we built**\n\nVeltha is an AI claims adjuster that runs the whole file end to end:\n\n* **Triage** - reads incoming claim emails and documents, classifies them, and routes each claim to the right workflow.\n* **Gap detection** - checks the file for missing documents and records, then requests them by email, phone, or fax and runs follow-up cadences until they land.\n* **Compliance review** - applies the relevant federal rulebook, and produces a determination where **every output element is tied to a source span and a specific regulatory provision.**\n\nThe adjuster's job shifts from _doing_ the claim to _reviewing_ Veltha's output. Less chasing. Faster decisions. Output that survives an audit.\n\n**What we understand that others don't: regulation is the moat, not the obstacle.** Horizontal platforms (Guidewire, Duck Creek) and generic AI-claims startups can summarize a claim file. They can't tell you _which_ provision triggered _which_ adjustment, with citations. We treat the federal rulebook as an anchor for the workflow we embed within the organisation. That's the difference between a summary a human re-does from scratch and an output an adjuster will actually sign.\n\n**Our ask**\n\nWe'd love intros to:\n\n* **Anyone in claims at a carrier, MGA, or TPA** - especially **workers' comp**\n* **People at large self-insured employers** with claims-heavy, high-risk workforces - Companies exactly like these are who we're built for: **Disney, Marriott, Ford, PG&E, Caterpillar**. If you know someone at that kind of company, an intro is gold.\n\nReach us at [edin@veltha.ai](mailto:edin@veltha.ai) or ping us here. Thanks YC 🙏\n\n[veltha.ai](http://veltha.ai)", "url": "https://www.ycombinator.com/launches/SzD-veltha-ai-claims-adjuster-for-regulated-insurance", "votes": 9, "created_at": "2026-08-21T01:30:00.652Z" } ] }, { "id": 32625, "name": "Qlo", "slug": "qlo", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6bdf97a8fbe4a8a51a745ce366d9c6c2bfc6d75c.png", "website": "https://www.getqlo.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Qlo builds AI agents to run commercial insurance underwriting. We start by fully automating the operational work around risk decisions, become the system of record, and earn autonomy workflow by workflow toward the autonomous AI underwriter.\r\n\r\nWe’re rebuilding underwriting infrastructure from the ground up so human underwriters and AI agents can share the same accounts, rules, documents, permissions, and workflow state. \r\n\r\nWe believe every commercial insurance program will eventually be built and operated end to end by AI agents on Qlo.", "one_liner": "Legora for commercial insurance carriers", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1786080312, "tags": [ "Insurance", "Enterprise Software", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/qlo", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/qlo.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/getqlo/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6bdf97a8fbe4a8a51a745ce366d9c6c2bfc6d75c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Gustaf Alstromer", "url": "https://www.ycombinator.com/people/gustaf-alstromer" }, "founders": [ { "user_id": 1640725, "full_name": "Ryan Hu", "title": "Founder/CEO", "founder_bio": "Founder of Qlo. Previously bootstrapped a B2B product studio to $500K ARR and built a commercial insurance marketplace that received an acquisition offer from a public insurer. Moved from Taiwan to build in the U.S. Studied Electrical Engineering at National Taiwan University before dropping out.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/chenshuohu/", "x_url": "https://x.com/hcsfox", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/088d399ab10b6ca1a2786d60505cd551af8dd69a.jpg" }, { "user_id": 3743083, "full_name": "Liv Huang", "title": "Founder", "founder_bio": "Co-Founder at Qlo. Previously Cloud Engineer at CuboAi, building scalable backend infrastructure and driving cross-functional AI adoption. Self-taught engineer with an academic background in Counseling and Educational Psychology.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/livhg", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/78b8b2063eb5fea134f67a8cc93fc8d3c4f45897.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 111422, "title": "Qlo - AI agents that run commercial underwriting", "tagline": "The underwriting system of record for the AI era", "body": "**TL;DR:** Qlo uses AI agents to run commercial underwriting operations from submission to renewal. We rebuilt the underlying system so agents can operate across the entire workflow, not sit beside another legacy system. One enterprise client signed a two-year contract, went live in May, and has since tripled weekly primary quote throughput. The end state is autonomous underwriting that follows each company’s underwriting judgment and stays within the carrier’s appetite.\n\nToday, we’re launching the **Qlo Inbox Agent**.\n\n\n\n### The Problem\n\nMore than $110B in commercial insurance premium flows through U.S. MGAs every year. Much of the work still begins with an email from a broker.\n\nCommercial underwriters can spend up to 80% of their day in the inbox, chasing missing applications, loss runs, and other submission documents. Even a submission with roughly $50K in annual premium can take 48 hours to turn into a quote.\n\nOnce the information arrives, teams still need to prepare the data, run the rater, and assemble the right endorsements and quote variants.\n\nWhen volume grows, teams add headcount. But underwriting judgment is hard to train and keep consistent. Costs rise, good submissions remain untouched, and inconsistent decisions can hurt loss ratios.\n\nMore premium left on the table, now with more people on payroll.\n\n### What We Built\n\nQlo runs the commercial underwriting workflow from submission to renewal. Specialized agents handle each operational step, while supervisor agents coordinate the work and communicate with the underwriter.\n\nThe Inbox Agent is one of those supervisors. An underwriter can message it from a phone like a teammate. It understands the instruction, calls the right subagents, and completes the work inside Qlo.\n\n**The underwriter makes the call. The agents make it happen.**\n\nOne of those subagents is the Rater Converter we launched on Bookface. It turns an existing rating spreadsheet into a validated digital worksheet the rest of the workflow can use.\n\nThis is what agent-compatible means to us: agents understand the workflow, have the right context, and can act across the system. Today, they execute the underwriter’s decisions. The end state is autonomous underwriting within each company’s judgment, appetite, and controls.\n\n**The party has begun. Let the agents dance on top of Qlo.**\n\nGuidewire and Vertafore helped define the last era of commercial insurance software. We’re building Qlo to define the next one.\n\n### Why Us\n\nBefore Qlo, Ryan spent 2.5 years building a commercial insurance marketplace and saw carrier-side systems up close. The company received acquisition terms from a public insurance company, and two founders who were customers there are now advisors to Qlo.\n\nLiv previously led backend at a Taiwanese baby-monitor company generating roughly $15M in annual revenue. Ryan and Liv had already built together before starting Qlo.\n\nWe build alongside experienced underwriters who want to help define how commercial insurance will operate in the AI era.\n\n### Our Ask\n\nWe’re looking for:\n\n* **Introductions to commercial MGAs and program administrators**, especially submission-heavy programs with complex rating files or underwriting teams hitting the limits of their current systems.\n* **Introductions to investors who understand commercial insurance** and see the same path toward autonomous underwriting.\n* **Insurance operators with strong opinions about the future of underwriting**. Even if you’re not looking for a new system, we’d still like to learn how your business works.\n\nIf you run an MGA or program, want to build with us, or see the same future as an investor, email us at [founders@getqlo.com](mailto:founders@getqlo.com).\n\nCommercial insurance moves slowly because **distribution beats architecture**.\n\nBut distribution eventually stops scaling when the architecture underneath it no longer works.\n\nThe system that solves the real problem will be adopted. Time will tell.\n\nWe’ll keep building.\n\n![uploaded image](/media/?type=post&id=111422&key=user_uploads/1640725/d836b808-6597-42f6-b85c-a1aed3413267)\n\n", "url": "https://www.ycombinator.com/launches/Sz8-qlo-ai-agents-that-run-commercial-underwriting", "votes": 35, "created_at": "2026-08-20T15:00:00.451Z" } ] }, { "id": 32650, "name": "Risklytics", "slug": "risklytics", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/879622d4fa103941586542ac659eaf9b60d897f0.png", "website": "https://www.risklytics.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Risklytics is the insurance company for frontier tech such as physical AI, robotics, and data centers. Companies answer 6 questions and we bind a tailored policy that other insurance companies won’t.", "one_liner": "AI-Native Insurance for Frontier Tech", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1783123197, "tags": [ "Hardware", "Machine Learning", "B2B", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/risklytics", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/risklytics.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/risklytics", "x_url": "https://x.com/Risklytics", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/879622d4fa103941586542ac659eaf9b60d897f0.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 2973325, "full_name": "Samuel Gold", "title": "Founder/CEO", "founder_bio": "Founder at Risklytics (YC S26). Building a brokerage for frontier tech. On leave from Harvard.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/samuelggold", "x_url": "https://x.com/SamGGld", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b99591b78044a8c663b7b4eb65a1fe000a6bb179.jpg" }, { "user_id": 2666435, "full_name": "Alexander Risio", "title": "Founder/CTO", "founder_bio": "Founder at Risklytics (YC S26). Building a new type of insurance brokerage.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alexanderrisio/", "x_url": "https://x.com/alexrisio", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dc585a4120c666a66e51d372101b7f5ed304f437.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 110197, "title": "Risklytics: Insurance for the Frontier", "tagline": "Insurance for companies pushing the frontier of what is possible with AI, from robot fleets to agents in production.", "body": "**TLDR:** Risklytics is a commercial insurance brokerage for companies building with AI in the physical space, from robot fleets on customer sites to agents running in production. This year many insurance companies stopped covering risks that involve AI. We find the insurers that will still cover it, translate what you're building into terms they can price, and read every clause before anything is signed.\n\n\n\n**The problem**\n\nStarting this year, many insurance companies began excluding coverage for injury and property damage arising out of AI.\n\nFor a hardtech company that language reaches everything you do. If AI touched the work anywhere, including the tools your engineers designed it with or the product itself, the insurer can deny the claim.\n\nThe problem with these exclusions is that they get added account by account, so the same hardware can be covered at one insurer and excluded at the next, and nothing in the process makes that obvious. It shows up as a form number on the endorsement list attached to your renewal, which is why most founders don't learn they have one until they file a claim.\n\n**Why now**\n\nPhysical AI is scaling faster than the insurance market underneath it. Insurance moves slower, and its first instinct with an unfamiliar risk is to exclude it and wait for loss data. Cyber went the same way: exclusions first, then specialists who understood it, then a real market. AI is at the exclusion stage now, and these companies pushing the frontier can't wait for the cycle to finish on its own. \n\n**What we do**\n\nWe handle the whole coverage process end to end.\n\nYou send us an application. We take what you're building and put it in terms an insurance company can understand and price.\n\nThen we go to market. We have access to hundreds of insurance companies, the ones that actually write this kind of risk, and we take your file to them. Most will pass. The few that want it compete on price and terms, and we keep shopping until every requirement you have is met, including the limits your customer contracts demand.\n\nWhen offers come back we read the policies line by line. If an AI exclusion is attached, we push to get it removed, or we find a company that writes the AI coverage in on purpose. Then we tell you in plain terms what you've got.\n\nWe cover the lines your company actually needs: general liability, umbrella, property, equipment in transit and on customer sites, workers' comp, professional liability, management liability, and cyber.\n\nYou never pay us. The insurance company pays us a commission out of the premium when a policy is placed, so applying costs you nothing and there's no additional fee from us at any point.\n\n**Where this goes**\n\nPhysical AI is expanding faster than any industry, and every company in it buys insurance every year for as long as it exists. The programs grow as the fleets grow.\n\nWe want to be the brokerage that grows with them: the people who know this risk best, hold the relationships with the markets that write it, and build the loss data of the future.\n\n**Why us**\n\nWe're Sam and Alex, on leave from Harvard. We were already in insurance building models when we noticed that batch mates building some of the most innovative technology in the world couldn't get covered at all. Since then we’ve landed partnerships to offer these frontier companies easier access to better policies.\n\n![uploaded image](/media/?type=post&id=110197&key=user_uploads/2666435/74c5c462-a2ff-44b8-ac6c-f8ebc7807dbd)\n\n\n**The ask**\n\nIf you're building anything on the frontier, apply at[ risklytics.ai](http://risklytics.ai). It takes a few minutes, it costs nothing, and we'll come back with what the market says.\n\nIt doesn't matter what you have in place today. If you're building, we want to get you covered.\n\nAnd if you're an insurer, MGA or wholesaler with appetite here, we want to talk:[ risklytics.ai/markets](https://www.risklytics.ai/markets/)", "url": "https://www.ycombinator.com/launches/SfN-risklytics-insurance-for-the-frontier", "votes": 53, "created_at": "2026-08-13T16:30:00.597Z" } ] }, { "id": 32782, "name": "Denta", "slug": "denta", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8126dcec05004e9a335df14d0116cf4774a61b06.png", "website": "https://denta.com", "all_locations": "San Francisco, CA, USA", "long_description": "Starting with dental benefits, we are relentlessly simplifying the process for patients to receive better coverage at a lower cost by putting the buying power back into the hand of the individual.", "one_liner": "Fortune 500 Dental Benefits for Startups", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1782407143, "tags": [ "Fintech", "Healthcare", "Health Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/denta", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/denta.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/trydenta/", "x_url": "https://x.com/jackbeecher23", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8126dcec05004e9a335df14d0116cf4774a61b06.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 1959995, "full_name": "Jack Beecher", "title": "Founder/CEO", "founder_bio": "Dartmouth dropout. Studied CS & Math. Removing the biggest problem from dentistry: insurance.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jack-beecher-459a13180", "x_url": "https://x.com/jackbeecher23", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/ec1fbfdbc45b527c4f8961d1bf237f521fe2b6eb.jpg" } ], "jobs": [ { "id": 109683, "title": "Founding Growth", "url": "https://www.ycombinator.com/companies/denta/jobs/re7M7Ih-founding-growth", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $130K", "equity_range": "1.00% - 2.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 111300, "title": "Denta 🦷 Dental Benefits", "tagline": "Save time and money on dental benefits", "body": "Denta makes dental benefits 25% cheaper by selling plans directly to employers and processing claims instantly with AI.\n\n**Growing up in Dentistry → Solving Its Biggest Problem**\n\nI grew up in the back office of my dad’s dental practices, spent my high school years answering patient calls, and built software for over 300 dentists during college. I'm now solving the industry's biggest problem: insurance.\n\n**The Waste**\n\nEveryone knows how bad health insurance is, dental insurance is worse. In the US, dental insurers collect $100B per year. Despite the $25B of that spent on administration, it still takes insurers three weeks to pay claims with paper checks that Denta can pay electronically in seconds.\n\n![uploaded image](/media/?type=post&id=111300&key=user_uploads/1959995/0f923bd6-9f67-40bc-bdbe-474a4882e652)\n\n**Saving you money**\n\nDenta helps startups self fund their dental insurance. Most Fortune 500s choose this model of insurance to save money while providing better employee benefits. For startups, this model was previously inaccessible.\n\n**Mission**\n\nDenta will not stop until all of America is covered. We believe by removing the friction and waste in the industry, there will be a new age of abundance where both the dentist and patient win.\n\n**Insure like the best**\n\nIf you want to save money on dental benefits while providing the best possible experience for your employees, sign up at [denta.com](http://denta.com)", "url": "https://www.ycombinator.com/launches/SxA-denta-dental-benefits", "votes": 8, "created_at": "2026-08-26T21:00:00.368Z" } ] }, { "id": 33278, "name": "PRINCEPS", "slug": "princeps", "former_names": [ "Princeps Dev" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8face6fd127a729a79aa67ef1d9e4669f91060ab.png", "website": "https://princeps.dev", "all_locations": "London, England, United Kingdom", "long_description": "PRINCEPS is the first purpose-built insurance company for the trillion-dollar compute buildout. We underwrite SLA, GPU residual value, and outage risk, and price the coverage that unlocks cheaper financing for data centers and neoclouds.", "one_liner": "AI-native insurance company for the compute economy", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1786600478, "tags": [ "Fintech", "Machine Learning", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United Kingdom", "Europe" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/princeps", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/princeps.json", "year_founded": 2026, "city": "London", "country": "GB", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8face6fd127a729a79aa67ef1d9e4669f91060ab.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Vivian Midha Shen", "url": "https://www.ycombinator.com/people/vivian-midha%20shen" }, "founders": [ { "user_id": 3685149, "full_name": "Conrad Frøyland Moe", "title": "Founder/CEO", "founder_bio": "Co-Founder of PRINCEPS. Previously Treasurer of the Oxford Union (£3M+ institution). Experience from national Norwegian politics. Co-Founded an events company at whilst at Oxford University: scaled to 650+ tickets per event at £15K+ revenue. \nB.A Oxford (History & Politics)", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/conrad-frøyland-moe-7950b1229/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3f9d3c85109c1e611b1a72db32bde5c3f770bd8f.jpg" }, { "user_id": 3671622, "full_name": "Anya Trofimova", "title": "Founder/COO", "founder_bio": "Co-Founder of PRINCEPS. Previously worked on data centre project finance, including a $2bn Gulf data centre deal and the first ever space data centre project, and built software for UK Parliament on energy and industrial policy. Youth Fellow at Chatham House researching defence and infrastructure security. Oxford Casberd academic Scholar and former VP of the Oxford Union ($3M+ institution). Designed and led a UN digital campaign at 16.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/anyatrofimova", "x_url": "https://x.com/anya_trofimova7", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/46f402a445d84bb9a5f2b87c6c18d4cc67c14ea4.jpg" } ], "jobs": [ { "id": 114920, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/princeps/jobs/nLXB8CE-founding-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$80K - $150K", "equity_range": "0.50% - 1.50%", "experience": "1+ years", "visa": "US citizenship/visa not required", "skills": [] } ], "news": [], "launches": [] }, { "id": 33282, "name": "Florin", "slug": "florin", "former_names": [ "Bolten AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/48074691217afbc59a4443c6ffa2379a823efda9.png", "website": "https://florin.inc", "all_locations": "San Francisco, CA, USA", "long_description": "Florin is a full-stack insurance carrier where a model does the underwriting. When a submission comes in, Florin reads the ACORD forms, then investigates the risk on its own: satellite imagery, permits, public records, even the insured's Instagram, and catches exposures that never make it onto the application. It then simulates tens of thousands of ways the policy year could go, prices the risk, and returns a bindable quote in under a minute instead of weeks. 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Before that, worked on greenfield at-rest and in-transit encryption products deployed across 100,000+ hosts. BS in Computer Science from Purdue.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shauryaagg", "x_url": "https://x.com/shauryaagg", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eb06d90980c2cf512f38cb7b7c193a45e72e5785.jpg" }, { "user_id": 3776296, "full_name": "Amol Pant", "title": "Founder/CTO", "founder_bio": "Built perception stack at Orchard Robotics, worked on Tesla's exaflop computer for Autopilot, built prototypes for autonomous rovers for NASA Artemis, worked flight simulators for Boeing.\nReach out if you love playing tennis", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/amolpant/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77b4c26bdf0e4e663044721a47b1a03ff8359262.jpg" }, { "user_id": 3834278, "full_name": "Aydin Sorensen", "title": "Founder", "founder_bio": "7+ year Tech Lead at Amazon AWS & Twitch. Most recently, founding employee at TerraFirma, (vertically integrated construction robotics); scaled realized revenue from $500k to $30m & built foundation for global teleoperation for 50+ vehicle fleet across multiple continents.", "is_active": true, "linkedin_url": "https://linkedin.com/in/peterasorensen", "x_url": "https://x.com/formerlypeter", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/eef2f8e1051ef18328494131e0cc6ed7328ca761.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 109455, "title": "Florin: A full-stack insurance company with 0 underwriters", "tagline": "Autonomously places hard-to-price risks in seconds", "body": "**TL;DR:** Florin is a full-stack insurance company with 0 underwriters. Software takes a submission from a raw intake form to a bindable quote in seconds. Instead of matching a business to a class code, it verifies what the business actually does using satellite imagery, permits, public records and social media, then prices it by simulating tens of thousands of ways its next few years could go.\n\n\n\n**What we do and why**\n\nInsurance prices risk with class codes. An underwriter receives an application PDF, matches the business to a row in a rate table, and quotes off that row. This breaks in two ways. Applications are incomplete or wrong, so the price is built on bad inputs. And when a business does not fit any row, either because it is genuinely new (robotics, AI, autonomy) or because the table says the whole class or state is unprofitable, the answer is a declination. That is why carriers are exiting entire states and why a three-year-old industry can barely buy coverage at any price.\n\nFlorin replaces the table with evidence. It ingests the submission directly, no intake team. It builds its own picture of the business from the outside: aerial imagery of the actual premises, permits and public records, even the insured's social media, where it has caught operations that were never disclosed on the application. From that verified picture it runs simulations of the business's possible futures and produces a quote you can bind in seconds. No human touches the file.\n\n![uploaded image](/media/?type=post&id=109455&key=user_uploads/3776296/18477520-2b5a-4473-a727-92daf673768d)\n\n**Team**\n\n\\- Shaurya Aggarwal built silicon on Google's next-generation TPU team\n\n\\- Amol Pant was on Tesla's supercomputer team, designed rovers for NASA, and was early at a Thiel backed robotics startup\n\n\\- Aydin Sorensen was early at Terrafirma, a construction robotics company that recently raised $115M\n\nShaurya and I have been best friends since middle school, and Aydin and I were roommates in college. We all lived together in Seattle for 2 years.\n\n![uploaded image](/media/?type=post&id=109455&key=user_uploads/3776296/4f7bfc6e-40f1-4d8d-9111-97c034db9729)\n\n**Our asks**\n\n1\\. If your business has a risk that regular carriers and brokers keep declining or pricing absurdly, we want to hear from you. Email [shaurya@florin.inc](mailto:shaurya@florin.inc) or grab time at \n\n2\\. If you are a world-class quant, engineer, or underwriter and would rather build the pricing model than read files, we are hiring. Same email.", "url": "https://www.ycombinator.com/launches/STP-florin-a-full-stack-insurance-company-with-0-underwriters", "votes": 194, "created_at": "2026-08-06T14:23:00.075Z" } ] }, { "id": 36015, "name": "Ignition Benefits", "slug": "ignition-benefits", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/14580e0fabb4e383e5286e8af972648e4bc2b5af.png", "website": "https://www.ignitionbenefits.com/", "all_locations": "Los Angeles, CA, USA", "long_description": "Ignition is an AI-native employee benefits brokerage for companies with under 200 employees. Health insurance is one of the largest line items these companies carry, and employers absorb 15 to 40% rate increases year after year without ever seeing their own numbers. We have rebuilt the sales and back office to be AI-first. This market represents about $500B of market cap, and those businesses have not fundamentally changed in over 50 years. While scaling Plated, I wore every HR hat from doing payroll myself, to managing a PEO, to eventually hiring an employee benefits broker on our way to 1,500 employees. We wasted over $4M on benefits over 5 years, and I'm building Ignition to help companies under 200 employees avoid making my mistakes.", "one_liner": "The AI-Native Benefits Brokerage", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1789432184, "tags": [ "Health Insurance", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ignition-benefits", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/ignition-benefits.json", "year_founded": 2026, "city": "Los Angeles", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ignition-benefits", "x_url": "https://x.com/GoIgnition", "fb_url": "https://www.facebook.com/IgnitionBenefits", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/14580e0fabb4e383e5286e8af972648e4bc2b5af.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Aaron Epstein", "url": "https://www.ycombinator.com/people/aaron-epstein" }, "founders": [ { "user_id": 765651, "full_name": "Nick Taranto", "title": "Founder/CEO", "founder_bio": "Founder at Ignition Benefits. Previously founded Plated, the first American meal kit company (sold to Albertsons for $300M in 2017). Former US Marine Corps. MBA from Harvard; BA from Dartmouth. While scaling Plated, I wore every HR hat from doing payroll myself, to managing a PEO, to eventually hiring an employee benefits broker on our way to 1,500 employees. We wasted over $4M on benefits over 5 years, and I'm building Ignition to help companies under 200 employees avoid making my mistakes.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicktaranto/", "x_url": "https://x.com/NickTaranto", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1209c5db63442d35b218d6481da25e2839987b74.jpg" } ], "jobs": [ { "id": 109941, "title": "Founding Member of Technical Staff", "url": "https://www.ycombinator.com/companies/ignition-benefits/jobs/04TOkxY-founding-member-of-technical-staff", "location": "San Jose, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $200K", "equity_range": "0.15% - 0.35%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Python", "TypeScript", "AI Agents" ] } ], "news": [], "launches": [] }, { "id": 36084, "name": "Covera", "slug": "covera", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e711e58f600a9ea3c53a45d934c825989e9b5b57.png", "website": "https://www.covera-agents.com/?utm_source=ycombinator&utm_medium=company_profile&utm_campaign=yc_f26", "all_locations": "San Francisco, CA, USA", "long_description": "Covera is the AI-native operating system for independent P&C insurance agencies. It lives inside the agency's AMS and inbox and runs agentic AI workflows across the whole client journey, from the first email to the next renewal. Producers quote first and win more business; CSRs and account managers stop retyping data.\r\n\r\nSubmissions, for producers: every new request becomes a ready file, one click keys every carrier portal for a first quote during the call, quotes come back side by side, and binding updates the AMS with no double entry.\r\n\r\nServicing, for CSRs and account managers: answers about any account with their source, COIs and follow-ups drafted, renewal reminders 90, 60 and 30 days out with remarketing when premiums jump, and coverage gaps across the book turned into cross-sell leads.\r\n\r\nAgencies using Covera go from lead to quote in 5 minutes, save 10 hours a week per user and win 20% more deals against competitors. Every action is reviewed by the agency team and logged for E&O. Works with Applied Epic, AMS360, QQCatalyst, HawkSoft, EZLynx, Momentum, Gmail and Outlook.\r\n\r\nBuilt by the founders of Simio (conversational AI, acquired in 2024).", "one_liner": "AI-native OS for insurance brokers", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1787324338, "tags": [ "AIOps", "SaaS", "B2B", "Insurance", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/covera", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/covera.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/covera-agents/", "x_url": "", "fb_url": "https://www.facebook.com/covera.agents", "cb_url": "https://www.crunchbase.com/organization/covera-agents", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e711e58f600a9ea3c53a45d934c825989e9b5b57.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 3982969, "full_name": "Tiphaine Venet", "title": "Founder/CEO", "founder_bio": "Founder & CEO at Covera. Previously founded Simio, a conversational AI platform for retail enterprises (Samsung, Carrefour, Air France), and sold it in 2024. Before that, VC at Serena, co-leading investments. Educated at HEC Paris and École Polytechnique.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/tiphaine-venet/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6becc198efbb64b0f02ef9867232ea4ed76a8123.jpg" }, { "user_id": 3987641, "full_name": "Thibaut Regerat", "title": "Founder/CTO", "founder_bio": "Founder at Covera. Previously co-founder/CTO at Simio, building a WhatsApp commerce platform for e-commerce brands. Engineer's degree in Computer Science from CentraleSupélec. Early experience in data science and business intelligence before transitioning to founding companies.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/thibaut-regerat/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/7515f95f0ecfb7251e72672750bdd224992ad4be.jpg" } ], "jobs": [ { "id": 105751, "title": "Founding GTM/ Account Executive", "url": "https://www.ycombinator.com/companies/covera/jobs/DAQuYrq-founding-gtm-account-executive", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $100K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 36086, "name": "Hesper AI", "slug": "hesper-ai", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/22aa0e43c8572c7233989f7b9c4d18841280c577.png", "website": "https://gethesperai.com", "all_locations": "New York City, NY, USA", "long_description": "Hesper AI builds AI agents that investigate P&C insurance claims end to end.\r\n\r\nHesper’s agents read the claim file, detect tampered documents, verify facts, check coverage, flag inconsistencies, and produce an audit-ready case file in minutes, so insurers can check every claim. \r\n\r\nWe work with Claims and SIU orgs at Carriers, MGAs and TPAs,", "one_liner": "AI Claims Investigator for Insurance", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1788805829, "tags": [ "Insurance", "Fraud Detection", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/hesper-ai", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/hesper-ai.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://linkedin.com/company/hesperai", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/22aa0e43c8572c7233989f7b9c4d18841280c577.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/5ca8ebd84e7156b5e441163d33d15b54026132e9.png" ], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 675827, "full_name": "Pankaj Dhariwal", "title": "Founder/CEO", "founder_bio": "Previously Engineering Manager at Nanonets(YC W17), where he built Flow (Accounts Payable product) from scratch to $200K ARR and scaled the engineering team from 7 to 25. Earlier, first engineer on the Export-Import team at Shipsy, building the global container tracking and ETA prediction system from the ground up. \n\nDual degree in Electronics & Economics from BITS Pilani.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/pankaj-dhariwal/", "x_url": "https://x.com/Pankaj_Dhariwal", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5fd48563dab99d3645e4c2b77229cca94318288e.jpg" }, { "user_id": 559900, "full_name": "Nitish Badu", "title": "Founder/COO", "founder_bio": "Nitish Badu is the Co-founder/COO of Hesper AI.\n\nPreviously, he scaled revenue at Nanonets (YC W17) to $4M in ARR, where he built out the GTM motion, outbound and partnerships. He has approximately 4 years of experience driving go-to-market and revenue for B2B AI companies.\n\nBefore that, he was GTM Lead at Super.AI. He holds a degree from BITS Pilani.", "is_active": true, "linkedin_url": "https://linkedin.com/in/nitish-badu-529b28165/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/69238018c926d7c71b158727d1a9b0265d6fe175.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 37274, "name": "Decent", "slug": "decent-com", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/786d073f3a76012e5179c5021d6a0d82644d8d1f.png", "website": "https://decent.com", "all_locations": "San Francisco, CA, USA", "long_description": "Decent is a health insurance brokerage for small businesses. We compare every way to cover your team, show what each one costs, and then keep improving your plan all year. We're paid by insurance companies, so we're free to you.", "one_liner": "Your health plan should get better year-round. Not just once a year.", "team_size": 2, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1789976042, "tags": [ "Fintech", "Health Tech", "B2B", "Health Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Partly Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/decent-com", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/decent-com.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/decenthealth", "x_url": "https://x.com/decent", "fb_url": "https://www.facebook.com/DecentHealth/", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/786d073f3a76012e5179c5021d6a0d82644d8d1f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Grey Baker", "url": "https://www.ycombinator.com/people/grey-baker" }, "founders": [ { "user_id": 103060, "full_name": "Nick Soman", "title": "Founder/CEO", "founder_bio": "Founder at Decent. Previously founded Decent, Inc., a venture-backed health plan administrator (acquired by Nice Healthcare). EIR at Foundation Capital. Growth Product Lead at Gusto. PM on Kindle at Amazon. Founded LikeBright/Reveal (acquired by Napster). Stanford BA, Harvard MBA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nicksoman", "x_url": "https://x.com/nicksoman", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/892ff653167fc0e506db11c8156b3343dfcf9cdb.jpg" }, { "user_id": 3997688, "full_name": "Andrew Budker", "title": "Founder/CTO", "founder_bio": "Founder at Decent. Previously Director of Software Engineering at Meta, where he led Metamate (Meta's internal AI assistant and Agent Platform) and built deep learning computer vision systems shipping in Oculus. Before Meta, engineering manager at Amazon for 5 years and engineer at Microsoft. BS Applied Mathematics from UCLA.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/abudker/", "x_url": null, "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c54e3f9459c5e31c2a1e41256f5afacccf1e02d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 118447, "title": "Decent: Your health plan should get better year-round. Not just once a year.", "tagline": "We find the best health plan for your company, and use AI to make it better all year.", "body": "Hi everyone. I'm [Nick Soman](https://www.linkedin.com/in/nicksoman/), cofounder of [Decent](https://www.decent.com/) (F26) with [Andrew Budker](https://www.linkedin.com/in/abudker/).\\\n\\\n\n\n\\\n**The problem**\\\nYou choose your company health plan once a year at renewal, and then nobody touches it for twelve months. All year long you overpay without seeing it. A one-time surgery gets built into next year's rates as if it’s recurring. You get billed for employees who left months ago. Your team uses the ER for things that primary care could have handled for a fraction of the cost.\\\n\\\nI learned this the hard way. A carrier raised my old company's rates 27% in January because an employee had started an expensive treatment the February before. They told me it was my data and my fault for not looking. Almost all of that cost was waste. She could have been treated at home for 30% less. An equally effective treatment that cost 25% less could have been free to her. Optimized dosing could have saved 20% more, with fewer side effects and no negative impact on her health.\\\n\\\n**How Decent is different**\\\nYour health plan should get better all year, not once a year. You don't buy a year of ads or a rack of servers up front anymore, but health insurance is stuck on a single annual renewal. Decent is an AI-native health insurance broker for US companies with 2 to 200 employees. We compare every way to cover your team, show what each one costs, and then keep improving your plan all year, for your company and for your employees. The insurance company you choose pays us, so we’re free to you.\\\n\\\n**Why trust us**\\\nAndrew and I met 16 years ago building the Kindle at Amazon. He spent the last several years leading engineering for Metamate, Meta's internal AI platform. I've started and sold two companies and raised $42M. Before this I built and ran level-funded plans, PEOs, and association health plans, with a Net Promoter Score of 79 vs. the industry average of 14, so I know what good looks like and where the system breaks. \\\n\\\nThe full story of why I came back to this, and why it's called Decent, is here: \\\n\\\n**Traction**\\\nAI is doing 89% of our brokerage work and climbing, and we just caught a one-time surgery driving 46% of a client's claims spend and kept it out of next year's rates. 67 companies are working with us so far, and many more are close behind.\\\n\\\n**What you can do now**\n\n* If you or someone you know runs or helps run a US company with roughly 2 to 200 people renewing by January 1, 2027, book 15 minutes with me to find the best plan for you: \n* Want to look first? [Get a quote](https://www.decent.com/quote) and price the market yourself on our site, no call needed.\n* Know a company that's overpaying? Introduce us and we'll pay you when they get a quote, whether or not they buy: [decent.com/refer](http://decent.com/refer)\n\nOur mission: affordable healthcare for all. It's never too late to save the world.\\\n\\\nNick & Andrew\n\n![uploaded image](/media/?type=post&id=118447&key=user_uploads/103060/6978a63f-c3bf-452d-b3a1-15336d01adc1)\n\n", "url": "https://www.ycombinator.com/launches/UoR-decent-your-health-plan-should-get-better-year-round-not-just-once-a-year", "votes": 4, "created_at": "2026-10-05T16:00:00.081Z" } ] }, { "id": 37468, "name": "Ageospatial", "slug": "ageospatial", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/74f6c9e933a7a4a3c86d3c81c6964ca26989ba26.png", "website": "https://ageospatial.com/", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "Ageospatial helps organizations value the risk on their physical assets (properties, land, infrastructure) remotely using satellite imagery.\r\n\r\n97% of commercial properties are never physically inspected because it's too slow and expensive. So insurers price risk based on what the client or broker tells them, and about half the time at least one of those records is wrong. The result is mispricing, fraud, and an estimated $36B in premium leakage every year in the US alone, which gets exposed the moment a disaster hits.\r\n\r\nUpload a list of addresses and their GeoAI reads satellite and street-level imagery, maps, real-time data, public records and the insurer's own data to determine what's really there, which natural and human hazards surround it, what changed over time, and which properties are worth inspecting. Each property becomes a living record that underwriting, claims and pricing teams can trace from past to present. Ageospatial deploys inside carriers and MGAs as an AI-native service, so insurers get outcomes delivered.", "one_liner": "Physical intelligence for every decision with Geospatial AI.", "team_size": 1, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1790148781, "tags": [ "Computer Vision", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada", "Remote", "Fully Remote" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/ageospatial", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/ageospatial.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/in/maazhsheikh/", "x_url": "https://x.com/maazinsf", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/ageospatial", "github_url": "https://github.com/AGEOspatial", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/74f6c9e933a7a4a3c86d3c81c6964ca26989ba26.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Andrew Miklas", "url": "https://www.ycombinator.com/people/andrew-miklas" }, "founders": [ { "user_id": 2973429, "full_name": "Maaz Sheikh", "title": "Founder/CEO", "founder_bio": "Maaz has been making maps since he was 6. His superpower is having a spatial-memory, he can draw a 1 km-resolution world map from memory and was ranked top 100 in the world on GeoGuessr. He was hired at 19 to support wartime and natural-disaster decisions from satellite imagery and at 21 analyzed drones in the Arctic to study whether food could grow there if the ice melted. He spent 7 years building geospatial software for insurance, energy and governments.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/maazhsheikh/", "x_url": "https://x.com/maazinsf", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5b2709e2ef464249284afc8292d11ab5ebfe04ba.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 116579, "title": "Ageospatial - pricing the risk of every property, infrastructure and land on Earth from satellites", "tagline": "know the assets that you insure in the physical world", "body": "**TL;DR: insurers cover buildings, land and infrastructure they've never seen. we look at every one of them from space and tell them what they're really insuring and how risky it is.**\n\n\n\n![uploaded image](/media/?type=post&id=116579&key=user_uploads/2973429/b3467b52-ec9a-41b2-881c-6f84b0f0ba29)\n\n**the problem**\n\n* 97% of commercial properties are never inspected. it's too slow and too expensive to send someone.\n* so insurers rely on what they're told such as forms filled in by owners and brokers and half the time, at least one detail is wrong.\n* wrong info means wrong prices, fraud, and money lost. insured disaster losses passed $100B in 2025. in the US alone, insurers lose $36B a year to underpriced policies.\n\n**how it works**\n\n* give us a list of addresses, type one in, or click anywhere on the map\n* our AI reads satellite images, street-view, maps, public records, internal and live data\n* for each asset it tells you: what it really is, what hazards surround it, what changed, and whether it's worth inspecting\n* every asset gets a record that updates over time, and those records make the AI better at finding other risky ones\n* we set it up inside the insurer’s systems with our own engineers, so they get outcomes without hiring anyone\n\n**who am I** [@Maaz Sheikh](https://bookface.ycombinator.com/user/2973429)\n\n* I've been obsessed with maps since I was 6. I can draw the world map from memory\n* I was top 100 globally on GeoGuessr\n* modded video games and added location data to them as a teen, made money on mods\n* went to college at 17, studied Geomatics Engineering (CS + Geography)\n* hired at 19 to support decisions during wars and disasters using satellite imagery, worked on some of the largest crises of our time\n* went to the arctic to see if we can grow food where permafrost melts using drone imagery, lived in a container at -22°F\n* freelanced for large clients in insurance, energy and government\n\n[ageospatial.com](http://ageospatial.com)\n\n![uploaded image](/media/?type=post&id=116579&key=user_uploads/2973429/ed2be0a7-c6a8-4406-8120-da1b616fc0ad)\n\n![uploaded image](/media/?type=post&id=116579&key=user_uploads/2973429/e7f5d214-9e00-4ec2-b7f0-70bbde642b15)\n\n![uploaded image](/media/?type=post&id=116579&key=user_uploads/2973429/1abf4461-f8dc-405f-a184-300713a629a4)\n\n", "url": "https://www.ycombinator.com/launches/UKJ-ageospatial-pricing-the-risk-of-every-property-infrastructure-and-land-on-earth-from-satellites", "votes": 8, "created_at": "2026-09-29T16:00:00.089Z" } ] }, { "id": 37600, "name": "Redoubt Insurance", "slug": "redoubt-insurance", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/1ee4cc24084cdd9a8a0fe0d70982248244d6fd3a.png", "website": "https://www.redoubt.insure", "all_locations": "Salt Lake City, UT, USA", "long_description": "Redoubt is a commercial insurance agency for small businesses. We believe our customers are our most important business partners, and they deserve our full attention. Machines can already handle the boring parts, the next step is to continually learn from experience. ", "one_liner": "Commercial insurance for small businesses", "team_size": 0, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1787707764, "tags": [ "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "United States of America", "America / Canada" ], "stage": "Early", "app_video_public": false, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/redoubt-insurance", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/redoubt-insurance.json", "year_founded": 2026, "city": "Salt Lake City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/redoubt-insurance/", "x_url": "", "fb_url": "https://www.facebook.com/profile.php?id=61591630963138", "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/1ee4cc24084cdd9a8a0fe0d70982248244d6fd3a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Charlie Warren", "url": null }, "founders": [ { "user_id": 801143, "full_name": "Andre Beukers", "title": "Founder/CEO", "founder_bio": "Founder/CEO at Redoubt Insurance, fanatic about building intelligent systems.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/andre-beukers/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a0e0be126fe9f6f88bf03d07f9b56a70f2eb0d9b.jpg" } ], "jobs": [], "news": [], "launches": [] } ]