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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. 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", "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. 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", "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": 1601, "name": "Fat Llama", "slug": "fat-llama", "former_names": [ "Fat Lama" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cacf8d9bcbb73491020dec66593dc1caf7a26073.png", "website": "https://fatllama.com", "all_locations": "London, England, United Kingdom", "long_description": "Fat Llama is a peer-to-peer rental marketplace which allows people to rent spare items to others nearby, fully insured. The platform provides a cheaper and more efficient solution than buying outright or hiring from rental shops. 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Founded in 2017 to expand global access to cyber resilience, Upfort makes cyber risk easy to manage and simple to insure. Upfort delivers turnkey security proven to proactively mitigate risk and comprehensive cyber insurance from leading insurers. With proprietary data and intelligent automation, Upfort’s AI anticipates risk and streamlines mitigation for hassle-free underwriting. Insurers, brokers, and risk advisors partner with Upfort to offer clients resilience and peace of mind against cyber threats.", "one_liner": "Turnkey security & hassle-free cyber insurance from leading insurers", "team_size": 38, "industry": "B2B", "subindustry": "B2B -> Security", "launched_at": 1493398718, "tags": [ "Next-gen Network Security", "Security", "Insurance", "Cyber Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2017", "status": "Active", "industries": [ "B2B", "Security" ], "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/upfort", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2017/upfort.json", "year_founded": 2017, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/upfort/", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/paladin-cyber", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/00594b41a6ca6cb9abcc26aadf60196e866c0990.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 183801, "full_name": "Han Wang", "title": "Founder/CTO", "founder_bio": "US Army Officer turned startup founder, with an expertise in browser use, embeddings, cybersecurity and computational mathematics.", "is_active": false, "linkedin_url": "http://www.linkedin.com/in/hanwangcyber", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bbe02674927badf59fcf96f103ee4af74ae089e5.jpg" }, { "user_id": 194783, "full_name": "Daniel Bilbao", "title": "Founder", "founder_bio": null, "is_active": false, "linkedin_url": "https://www.linkedin.com/in/danielbilbao/", "x_url": "https://twitter.com/ddbilbao", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/11dff57bb80d685d42f7dfeb8e14a2f475e92d03.jpg" } ], "jobs": [], "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. 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How did you come up with the idea? How did you decide to be a founder?)", "answer": "I felt the pain of buying insurance and thought that as business data moved online, the insurance marketplace would also move online. I met Gordon through a mutual friend who said that we are the two people he knows who were interested in insurance. Gordon grew up talking to his dad, an insurance exec, about the inefficiencies of the industry. " }, { "question": "How did you decide to apply to Y Combinator? What was your experience applying, going through the batch, and fundraising at demo day?", "answer": "Gordon had done YC for his prior company and we decided to do YC to 1) make significant progress over a short period of time 2) sell into the YC community. 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OutRival owns Career Karma, which has helped thousands of people navigate career transitions.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/timurmeyster/", "x_url": "https://x.com/timurmeyster", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/77ae0b219242eff0e037a83443617da6013e2558.jpg" } ], "jobs": [], "news": [ { "title": "Exclusive: AI company OutRival launches insurance vertical for carriers, MGAs and TPAs | The Insurer", "url": "https://www.theinsurer.com/ti/news/exclusive-ai-company-outrival-launches-insurance-vertical-for-carriers-mgas-and-2026-04-02/", "date": "Apr 02, 2026" }, { "title": "Sergey's surprise visit was a hackathon highlight: Let's keep building Miami! - Refresh Miami", "url": "https://refreshmiami.com/news/sergeys-surprise-visit-was-a-hackathon-highlight-lets-keep-building-miami/", "date": "Mar 23, 2026" }, { "title": "Climb Credit acquires Career Karma to shape the future of career training access - Refresh Miami", "url": "https://refreshmiami.com/news/climb-credit-acquires-career-karma-to-shape-the-future-of-career-training-access/", "date": "Sep 05, 2025" }, { "title": "Climb Credit Acquires Career Karma Platform to Expand Access to Career Training Through Mission-Aligned Enrollment Support", "url": "https://www.prnewswire.com/news-releases/climb-credit-acquires-career-karma-platform-to-expand-access-to-career-training-through-mission-aligned-enrollment-support-302546658.html", "date": "Sep 03, 2025" }, { "title": "Career Karma founders launch OutRival to help companies build AI agents | TechCrunch", "url": "https://techcrunch.com/2024/10/15/career-karma-founders-launch-outrival-to-help-companies-build-ai-agents/?guccounter=1", "date": "Oct 15, 2024" } ], "launches": [ { "id": 103967, "title": "OutRival Presents - The New Normal", "tagline": "What Sounds Strange Today is Just Early", "body": "Happy Friday YC Family,\n\nToday, we launched The New Normal, our new bi-weekly video show featuring the enterprise leaders actually deploying AI in production at scale. This 51 second video features one of our first customers graduating over 90,000 learners per year:\n\nSizzle clip: \n\nAnd you can watch the full episode where he goes into detail about the use cases he has in production with us here:\n\nFull Episode 1 with Kermit Cook (CEO, Penn Foster): \n\nBackstory:\n\nMy Co-Founder, Timur Meyster and I went through YC W19 building what became Career Karma, the largest career transition platform for people from non-traditional backgrounds breaking into tech. We made thousands of customer calls personally and managed third-party BPOs at scale. We learned the customer experience operating model from the inside.\n\nThe thing we kept seeing across our enterprise partners was the same. Customer experience teams stuck in reactive, inbound-first models. Tools that waited for the customer to raise a hand. And the customers who needed the most help were the ones least likely to do that on their own.\n\nWe pivoted to OutRival in 2024 to build the opposite. Over the last two years we have sat with more than 300 enterprise leaders across higher education, insurance, travel, and beyond, iterating alongside the operators running the work. Digital Workers that take the first move. That can run millions of outreach attempts a month across voice, text, and email, with the compliance posture a regulated enterprise needs. That can be onboarded into a team like a new hire.\n\nThe Show:\n\nThe New Normal is co-hosted by me, Timur, and our Head of Insurance John Henry. All three of us have built media at scale before. Timur and I previously hosted Breaking Into Startups, which reached more than 3 million people. John Henry previously hosted Hustle on VICELAND, executive produced by Alicia Keys and Marcus Samuelsson, which reached tens of millions. John is also a co-founder of Harlem Capital and Loop.\n\nThis time the centerpiece is our customers and the operators inside them actually deploying AI at scale.\n\nAs mentioned earlier, Episode 1 is with Kermit Cook (CEO, Penn Foster). Confirmed cohort going forward includes Presidents of WGU, Miami Dade, UMGC, SNHU, NU, and OU; CEOs of DeVry, Cengage, and Campus; plus senior leaders at University of Phoenix and UMass Global. More coming across insurance and travel.\n\n15 episodes scheduled. 7 already recorded. Bi-weekly cadence starts today.\n\nAsks:\n\n1\\. Operators for The New Normal show. We're recording 15-30 more episodes over the next 3-4 months across higher ed, insurance, and travel. If you know an executive operator at a Fortune 1000 company running real outbound AI deployments inside their org and generating revenue, send them my way.\n\n2\\. Please show love on LinkedIn ,YouTube, and Twitter (Here - )\n\nThanks for reading. Hit me on Bookface or at [ruben@outrival.com](mailto:ruben@outrival.com).\n\nLove,\n\n\n\nRuben Harris\n\nCEO, OutRival\n\n![uploaded image](/media/?type=post&id=103967&key=user_uploads/234343/33929052-9c42-4d0a-a9d2-33485b25bd48)\n\n", "url": "https://www.ycombinator.com/launches/R2t-outrival-presents-the-new-normal", "votes": 4, "created_at": "2026-06-26T21:49:23.274Z" } ] }, { "id": 12600, "name": "Obie", "slug": "obie", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/b45e6343dd5f000514214ea81404e73e513ae9ba.png", "website": "http://www.ObieInsurance.com", "all_locations": "Chicago, IL, USA", "long_description": "Since 2017, Obie has simplified real estate investment insurance for landlords, property managers, agents, and investors across the U.S. With expert-backed coverage, intuitive tools, and embedded technology, Obie delivers fast, reliable insurance solutions designed to fit how real estate professionals work today. 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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. ", "one_liner": "Building a full-stack auto insurer for the underserved in LatAm", "team_size": 18, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1648222923, "tags": [ "Fintech", "Machine Learning", "Consumer", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Mexico", "Latin America", "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/momento", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/momento.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/momento-seguros", "x_url": "", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/momento-ef63", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/38d68fb5813f3fe9c931fd72dc47dbabdd81f6fb.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": 841461, "full_name": "Lois Rogel Vence", "title": "Founder", "founder_bio": "Lois is co-founder at Momento.\nPrior to founding Momento, Lois was Associate at McKinsey & Company, where he worked for +3 years. 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": 25338, "name": "Cozmo AI", "slug": "cozmo-ai", "former_names": [ "Zywa", "CozmoX AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9b22096b578ff14b789d9b1882b55f7dc73e26f3.png", "website": "https://www.hellocozmo.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Cozmo AI helps restoration franchisors, TPAs and adjusters put agents to work on US property insurance claims. Agents are autonomous AI workers that answer intake across all channels, coordinate crews and write up losses. Putting them to work means deploying across the full claim, from first notice of loss to crew dispatch and damage estimate to supplement approval. Work that took human teams days to weeks closes in minutes.\r\n\r\nCozmo is an operating system for the whole claim, end to end, and it runs on top of the estimating software, CRM and phone system already in place. Nothing gets ripped out and nothing gets migrated.\r\n\r\nThis allows operators to run more jobs per adjuster and send estimates that clear review the first time. On the carrier side, the same work cuts cycle time to hours and leaves a line-item record of every loss, so risk can be priced by property instead of by ZIP code.\r\n\r\nCozmo's platform captures context from every claim it touches and gets sharper with each one.\r\n\r\nGo to hellocozmo.ai and book a demo to see the Cozmo AI agents in action.", "one_liner": "End-to-end AI agents for property claims, from loss report to estimate", "team_size": 5, "industry": "B2B", "subindustry": "B2B", "launched_at": 1644299294, "tags": [ "Insurance", "Enterprise", "AI", "Conversational AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B" ], "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/cozmo-ai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/cozmo-ai.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/cozmox-ai", "x_url": "https://x.com/cozmoxai", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9b22096b578ff14b789d9b1882b55f7dc73e26f3.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": 597610, "full_name": "Alok Kumar", "title": "Founder/CEO", "founder_bio": "Love building and shipping 🔥", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alokhk/", "x_url": "https://x.com/ak_cozmo", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3c839ed614a298679eb6aca40e9bdc690daf487a.jpg" }, { "user_id": 714894, "full_name": "Nuha Hashem", "title": "Founder/CTO", "founder_bio": "Building the future of work at Cozmo 🚀", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nuhahashem/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c209566077cff5fd4de0f4119807eb371a71f2e2.jpg" } ], "jobs": [ { "id": 103217, "title": "Agent Product Manager", "url": "https://www.ycombinator.com/companies/cozmo-ai/jobs/sgwDFZc-agent-product-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$100K - $140K", "equity_range": "0.04% - 2.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103439, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/cozmo-ai/jobs/yZj5zoB-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $200K", "equity_range": "0.14% - 2.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103440, "title": "Founding GTM ", "url": "https://www.ycombinator.com/companies/cozmo-ai/jobs/8ikndus-founding-gtm", "location": "New York, NY, US / FL, US / San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$80K - $500K", "equity_range": "0.10% - 2.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 103441, "title": "Applied ML Engineer", "url": "https://www.ycombinator.com/companies/cozmo-ai/jobs/YFtovo3-applied-ml-engineer", "location": "New York, NY, US / Bengaluru, KA, IN / Bengaluru, Karnataka, IN / Dubai, Dubai, AE", "type": "Full-time", "role": "Engineering", "role_type": "Data science", "salary_range": "$100K - $240K", "equity_range": "0.20% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "YC-backed Zywa, a neobank for Gen Z, raises $3M to expand across MENA – TechCrunch", "url": "https://techcrunch.com/2022/08/23/yc-backed-zywa-a-neobank-for-gen-z-raises-3m-to-expand-across-mena/", "date": "Aug 23, 2022" }, { "title": "Teen NeoBank Zywa raises $1M Pre-SEED | MAGNiTT", "url": "https://magnitt.com/news/zywa-1m-pre-seed-53201", "date": "Mar 28, 2022" }, { "title": "Y Combinator backs Dubai-based teen neobank Zywa, closing $1m pre-seed round - News | Khaleej Times", "url": "https://www.khaleejtimes.com/business/y-combinator-backs-dubai-based-teen-neobank-zywa-closing-1m-pre-seed-round", "date": "Mar 28, 2022" }, { "title": "Zywa closes a $1 million pre-Seed round backed by Y Combinator", "url": "https://mystartupworld.com/zywa-closes-a-1-million-pre-seed-round-backed-by-y-combinator/", "date": "Feb 08, 2022" } ], "launches": [ { "id": 98015, "title": "Cozmo AI: The system of work for enterprises in financial services and insurance", "tagline": "Multimodal AI employees that see, speak, think and run operations", "body": "Hey everyone, we’re [Nuha](https://www.linkedin.com/in/nuhahashem/) and [Alok](https://www.linkedin.com/in/alokhk/) from [Cozmo AI](https://cozmox.ai?utm_source=yc-launch&utm_medium=listing&utm_campaign=launch).\n\n**TL;DR** \n\nWe help banks, insurers and lenders deploy multimodal AI employees that interpret documents and videos, speak with customers in real time, think using your policies and do the work in your core systems.\n\nCheck out our [launch video](https://youtu.be/IGypdMioyIo).\n\n**❌ The problem**\n\nIf you’ve ever seen how a real customer operation gets handled inside a large company, you’ll notice the conversation is usually the shortest part. Most of the time goes into opening 6-10 tools, finding history, checking documents, verifying details and recording what happened afterwards.\n\nWe ran into such issues while building a fintech product and spending months embedded with support and operations teams. A support case that looked “simple” from the outside often meant 40 minutes of prep and follow-up wrapped around an 8-minute customer interaction. The work was more around moving data and decisions across messy systems than actually talking to customers.\n\n![uploaded image](/media/?type=post&id=98015&key=user_uploads/714894/df0f9156-23c1-46c6-b05f-93060b590053)\n\nTo handle these cases, we built an internal system that could understand a case end-to-end and take actions across systems automatically. During a demo, a partner stopped us and asked for that system instead of the fintech product itself.\n\nThat became Cozmo.\n\n**✅ How Cozmo is solving it**\n\nCozmo is a system of work for complex enterprise operations, starting with financial services and insurance. Companies use Cozmo to build and deploy AI employees, which are a collection of agents that own workflows end to end. They talk to customers, read documents, interpret videos, apply company policies and update systems like Guidewire, Temenos and Salesforce, pulling humans into the loop only when real judgment or escalation is needed.\n\nEvery decision the AI employee makes is logged, including its reasoning and policy reference, providing a complete audit trail for compliance and operations without additional manual effort. This is managed by our proprietary Agent Protocol Engine (APE), the control layer that keeps shared context, enforces policy and ensures every step is tracked for regulated industries.\n\nCozmo is live with 10+ enterprises, including Fortune Global 500s like Nestlé, and has already handled over 1M production calls and 10M interactions; cutting costs by up to 70% and turning roughly 1 in 13 conversations into revenue.\n\n[Watch Cozmo in action.](https://youtu.be/ek8eE1bXOnU)\n\n**🧬 What’s unique about Cozmo**\n\nMost AI tools are just prompt trees with a UI. They’re fine for neat, repetitive tasks; but they fall apart the moment operations get messy, ending in half‑filled tickets, off‑script collection calls and disputes scattered across systems.\n\nCozmo is built for that mess:\n\n* **Multimodal by default:** One platform to spin up AI employees that handle inbound and outbound calls, read PDFs and scanned forms, understand video and talk to customers in a single, continuous flow.\n* **Runs on intent, not prompts:** You give it responsibilities and policies like a new hire, instead of maintaining endless prompt chains. As new case patterns appear, the AI employee adapts behavior without you rewriting a graph of scripts.\n* **APE-powered coordination:** A single Cozmo “employee” is actually a coordinated team of agents, driven by our Agent Protocol Engine (APE), running an internal loop: planning, delegating, checking and rechecking across systems until the case is closed, not just until a workflow box is ticked.\n\nSo instead of a scripted bot, you get something that behaves much closer to a high‑performing operations hire: it keeps context, chases down loose ends and keeps pushing the work forward without you needing to orchestrate every move.\n\n**🚀 Our story**\n\nNuha and Alok have been friends for over 11 years. We scaled a regulated fintech together in Dubai, navigating one of the most demanding regulatory environments in the world. When the regulations and market changed, we were forced to shut it down. We built AI employees to manage the fintech ourselves on cockroach mode, handling communications and documentation across every affected account. \n\nThat system worked, and when a partner saw it, they asked to buy it instead. So we moved from Dubai to San Francisco to build Cozmo. \n\nThree years, two countries, 180 pivot, and we’re still going.\n\n![uploaded image](/media/?type=post&id=98015&key=user_uploads/714894/4501b459-03fa-4135-9389-d407946bd5ec)\n\n 🎯 **Our Ask**\n\nWe’re onboarding new enterprise customers in financial services and insurance. If you (or someone you know) run claims, collections or large-scale operations at a bank or insurer, we’d love to connect.\n\n---\n\n---\n\n---\n\n---\n\n---\n\n---\n\n---\n\n———————————\n\n🌐 Check our website [here](https://cozmox.ai?utm_source=yc-launch&utm_medium=listing&utm_campaign=launch).\n\n📆 Book a demo [here](https://meetings.hubspot.com/alok-k?utm_source=yc-launch&utm_medium=listing&utm_campaign=demo).\n\n✉️ Contact us at [founders@cozmox.ai](mailto:founders@cozmox.ai).", "url": "https://www.ycombinator.com/launches/PUt-cozmo-ai-the-system-of-work-for-enterprises-in-financial-services-and-insurance", "votes": 38, "created_at": "2026-02-20T18:53:08.358Z" } ] }, { "id": 25521, "name": "Happl", "slug": "happl", "former_names": [ "Tahora", "Happl (formerly Tahora)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/4c17a303b95defe0b51fc282067b942a4dbdaa25.png", "website": "https://happl.com/", "all_locations": "London, England, United Kingdom", "long_description": "Happl - Personalised benefits for employees to choose what’s right for them, and tools for managers to engage their teams, whilst we take care of all the compliance and admin.\r\n\r\nFounded in 2020 and based in London, UK, Happl works with some of the UK’s leading employers to bring their hybrid working culture to life!\r\n\r\nhttps://www.happl.com/", "one_liner": "Your personalised benefits and engagement platform for global teams", "team_size": 11, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1639472348, "tags": [ "SaaS", "HR Tech", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "B2B", "Human Resources" ], "regions": [ "United Kingdom", "Europe", "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/happl", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/happl.json", "year_founded": 2020, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/happl", "x_url": "https://twitter.com/joinHappl", "fb_url": "https://facebook.com/joinhappl", "cb_url": "https://www.crunchbase.com/organization/tahora", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/4c17a303b95defe0b51fc282067b942a4dbdaa25.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": 401900, "full_name": "Ben Towers", "title": "Founder", "founder_bio": "Ben (24) is Co-Founder at Happl (formerly Tahora). An entrepreneur since he was 11 years old when he started his first business, Towers Design, Ben has always been motivated by creating things that help people. By 18 he was named by The Times as 'the smartest teenager on the planet' and working with the UK Government and Royal Family on their entrepreneurship programmes. Prior to starting Tahora, Ben was the Communications Director at GlaxoSmithKline (GSK). ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/towersben/", "x_url": "https://twitter.com/TowersBen", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fd1ea9a12ae728c8e07d841a634eb74dbd3a848b.jpg" } ], "jobs": [], "news": [ { "title": "Happl closes venture investment round led by 6 Degrees Capital and Ascension | Happl", "url": "https://happl.com/blog/happl-closes-venture-investment-round-led-by-6-degrees-capital-and-ascension", "date": "Apr 08, 2024" }, { "title": "HR Magazine - Monzo founder invests in anti-isolation app for hybrid workers", "url": "https://www.hrmagazine.co.uk/content/news/monzo-founder-invests-in-anti-isolation-app-for-hybrid-workers", "date": "Nov 29, 2021" }, { "title": "Monzo founder banks on Tahora app to cure hybrid-working loneliness | Business | The Times", "url": "https://www.thetimes.co.uk/article/monzo-founder-banks-on-tahora-app-to-cure-hybrid-working-loneliness-p95bdb585", "date": "Nov 29, 2021" }, { "title": "Gillingham entrepreneur Ben Towers, 22, raised £825k to launch workplace mental health app used by Met Police", "url": "https://www.kentonline.co.uk/medway/news/kent-entrepreneur-22-launches-mental-health-app-for-workplace-242859/", "date": "Feb 21, 2021" }, { "title": "Revealed: The new app set to tackle the ‘work from home mental health crisis’ | Evening Standard", "url": "https://www.standard.co.uk/news/health/ben-towers-wfh-mental-health-crisis-b920639.html", "date": "Feb 21, 2021" } ], "launches": [ { "id": 67761, "title": "Happl - Set up global benefits and recognition in seconds 🌍📦⚡", "tagline": "We manage all of your people engagement initiatives whilst saving you money and time on implementation, admin, and compliance.", "body": "TL;DR: Happl saves you time and money all whilst managing all of your people engagement and recognition initiatives. For leaders, we handle flexible benefits, allowances, insurance, and manager-to-employee gifting, all whilst ensuring you’re staying compliant. For employees, we use benefits as communities within your existing stack to engage, as well as understand them on a personal and inclusive level through interests and goals.\n\n![uploaded image](/media/?type=post&id=67761&key=user_uploads/401900/adb698a0-abe5-447b-a433-7efa64ed283e)\n\n**🤯 The problem**\n\nEmployees are not offered personal and inclusive benefits that have an impact, resulting in poor uptake, whilst often founders aren’t sure how to engage their global teams effectively.\n\nCompanies often roll out company-wide benefits such as a meditation app, or learning platform, in the hope that it’s going to magnificently fix their engagement and retention problems. We hate to break it to you, but that isn’t cutting it.\n\n**Our solution? Flip traditional benefits on their head ⬇️**\n\n* Flexible spend allowances, with controls and international support\n* A marketplace fo recommendations and discounts of quality over quantity\n* Community benefits, connect over shared benefits within slack\n* Personal and inclusive employee profiles for impactful recommendations\n* Manager engagement budgets with prompts and reminders for employee gifting\n\n![uploaded image](/media/?type=post&id=67761&key=user_uploads/401900/e2d3eb7b-274d-433d-8e17-b3c4c4d9dc14)\n\n**Who’s it for? 🌍**\n\nWe know what it’s like firsthand to scale a company with the weight of ensuring your team is engaged, and it’s not easy. Many of our users, who we like to call Happling’s (we’re working on that) have employees in many regions and simply want to consolidate their benefit allowance and roll it out with ease. Others want to make sure they’re getting the best prices and save money through benchmarking.\n\nWe support start-ups from 5 employees or more, all the way through to more mature companies with thousands of employees like Google, NatWest Bank, The Metropolitan Police, and more.\n\n![uploaded image](/media/?type=post&id=67761&key=user_uploads/401900/68a6073b-3a03-4904-931c-1b839f8f041c)\n\n**How it works 💡**\n\nWe handle everything from the get-go, with a speedy onboarding process through connecting with your HRIS and Accounting software. Rolling out spend allowances or manager expense cards is as simple as choosing an amount. We automatically detect multiple locations and convert the allowances so it’s fair for all employees.\n\nEmployees can sign up with SSO and curate a profile that's personal and inclusive to them. We can share this information with managers prior to gifting or organising a team event to engage.\n\n![uploaded image](/media/?type=post&id=67761&key=user_uploads/401900/91d47b14-2cea-4925-8b3e-8cf5127451c0)\n\n**How to get on it 🖥️**\n\nTake advantage of our YC Deal email me at [ben@happl.com](mailto:ben@happl.com)\n\n![uploaded image](/media/?type=post&id=67761&key=user_uploads/401900/07b30ce0-15a9-4a7e-badc-30b4dbfead31)\n\n", "url": "https://www.ycombinator.com/launches/Hcv-happl-set-up-global-benefits-and-recognition-in-seconds", "votes": 17, "created_at": "2022-12-07T14:51:48.316Z" } ] }, { "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? There May Be an Insurance Policy for That - WSJ", "url": "https://www.wsj.com/articles/is-your-ai-model-going-off-the-rails-there-may-be-an-insurance-policy-for-that-adf012d7", "date": "Oct 02, 2023" } ], "launches": [] }, { "id": 25654, "name": "IMT Care", "slug": "imt-care", "former_names": [ "InsureMyTeam" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/936b51144e116571d48d13ab044962f1333b9482.png", "website": "https://www.imt.care", "all_locations": "MH, India", "long_description": "India’s insurance market is filled with bygone products, which do not cater to 95% of the market's demand for specific products such as illness-specific insurance, primary care with insurance, and surgical insurance to name a few. \r\n\r\nWe, at IMT, aim to target this white space by creating innovative products that fulfill this new demand by empowering the agents. Agents are the largest insurance distribution channel in India and cover 85% of the premium collection. \r\n\r\nAgents collect 20B premium every year. With a 5% take rate, it’s a 1B dollar market opportunity growing at 22% CAGR.\r\n\r\nKunal has 15+ years of experience working with insurance companies and building agent networks, while he scaled his brokerage business to 3M dollars in revenue. Rachit has 12+ years of experience in building tech products, he was a founding engineer at Payu (stripe of India).\r\n", "one_liner": "Disrupting Indian Insurance space by empowering distrubutors", "team_size": 23, "industry": "Healthcare", "subindustry": "Healthcare -> Consumer Health and Wellness", "launched_at": 1642784357, "tags": [ "Healthcare", "Insurance", "India" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Healthcare", "Consumer Health and Wellness" ], "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/imt-care", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/imt-care.json", "year_founded": 2021, "city": null, "country": "IN", "linkedin_url": "", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/936b51144e116571d48d13ab044962f1333b9482.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 835492, "full_name": "Rachit Puri", "title": "Founder", "founder_bio": "Entrepreneur || Engineer || Product Manager. 11+ years of experience in building health tech and fintech products worked as an engineer, team leader, product management, people, and stakeholder management. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/rachit-puri/", "x_url": "https://twitter.com/raecha06", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/26b4a7838652e6d7a1aa9f554f9b0902117de421.jpg" }, { "user_id": 863176, "full_name": "Kunal Popat", "title": "Founder", "founder_bio": "I have worked as CEO of a successful insurance broking company for more than 5 years in my previous assignment . I loved the role but was excited about innovating through technology and spread health care and insurance deeply within the country . This motivated us to start www.insuremyteam.com along with my cofounder ,Rachit Puri. We are on an fun filled journey to make healthcare accessible and affordable to millions of employees and thier families . Thanks. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kunal-popat-93884114/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0391e76c8036062594d2510c2fdf85239204e606.jpg" } ], "jobs": [ { "id": 72414, "title": "Key Account Manager : Employee Benefit Insurance ", "url": "https://www.ycombinator.com/companies/imt-care/jobs/BXj7KQm-key-account-manager-employee-benefit-insurance", "location": "Mumbai, MH, IN", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "₹600K - ₹1.2M INR", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "id": 25684, "name": "Curacel", "slug": "curacel", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/977d4fc93f97d105040a91345ced2e1f0bb4800f.png", "website": "https://curacel.co", "all_locations": "London, England, United Kingdom", "long_description": "Curacel builds AI-driven infrastructure to help payors, TPAs and healthcare providers automate claims processing, reduce fraud, streamline operations and enhance customer experiences. Our intelligent solutions make insurance and healthcare more efficient, accessible, and scalable. ", "one_liner": "AI-Powered Infrastructure for Insurance & Healthcare", "team_size": 30, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1646933760, "tags": [ "SaaS", "B2B", "Insurance", "Healthcare IT", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2022", "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/curacel", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/curacel.json", "year_founded": 2019, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/curacel/", "x_url": "https://twitter.com/curacel", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/977d4fc93f97d105040a91345ced2e1f0bb4800f.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": 123045, "full_name": "Henry Mascot", "title": "Founder", "founder_bio": "Henry, co-founder/CEO of Curacel, has transformed insurance in emerging markets powering big insurers in 10 markets like AXA. 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. Whether it's B2C coverage for bicycle and scooter riders in Latin America, B2B SaaS solutions empowering insurance brokers worldwide, or creating new insurance products to guarantee financing for startups in the United States—we're pushing the boundaries of what's possible in the insurance industry.", "one_liner": "Innovative insurance solutions for underserved markets.", "team_size": 12, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1641410394, "tags": [ "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2022", "status": "Active", "industries": [ "Fintech", "Insurance" ], "regions": [ "Mexico", "Latin America", "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/clupp", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2022/clupp.json", "year_founded": 2021, "city": "Mexico City", "country": "MX", "linkedin_url": "https://www.linkedin.com/company/24984730/admin/", "x_url": "https://twitter.com/cluppseguro", "fb_url": "https://www.facebook.com/cluppseguro", "cb_url": "https://www.crunchbase.com/organization/clupp", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/c36a2d5d5beb7bbd64012e028a1c2dfffa2b3fc9.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 413945, "full_name": "Omar Said López Tronco", "title": "Founder", "founder_bio": "CEO of Clupp. Actuary, CFA Charterholder, and full-stack developer. 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": 26501, "name": "Albiware Inc.", "slug": "albiware-inc", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/98b59db8e386fdd1ee47fb4a3c5d37055f50994a.png", "website": "https://www.albiware.com", "all_locations": "Downers Grove, IL, USA", "long_description": "Albiware (Albi) is a B2B SaaS solution for the $100B+ insurance damage repair industry. Albi provides an all-in-one platform for damage repair contractors to manage all aspects of their business including: CRM, project management, field documentation, scheduling, BI, marketing automation, communication, HR management, and much more. Albi is built by contractors who felt the pain that lack of technology brought and set out on a mission to build a SaaS that all insurance damage repair contractors want. Albi helps their customers reduce claims friction between them and the insurance company by providing tools to seamlessly document the work that was performed at projects. Albi helps users sync their communication company-wide through email, text, and phone directly in the platform. Albi helps contractors get paid faster by streamlining the process of a project from first call to completion. Albi also helps their customers make better business decisions through their BI tool with customizable reporting. ", "one_liner": "B2B SaaS for insurance damage repair contractors. ", "team_size": 12, "industry": "Real Estate and Construction", "subindustry": "Real Estate and Construction -> Construction", "launched_at": 1655153070, "tags": [ "SaaS", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Real Estate and Construction", "Construction" ], "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/albiware-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/albiware-inc.json", "year_founded": 2020, "city": "Downers Grove", "country": "US", "linkedin_url": "https://www.linkedin.com/company/76449728", "x_url": "", "fb_url": "https://www.facebook.com/albicrm", "cb_url": "https://www.crunchbase.com/organization/albiware", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/98b59db8e386fdd1ee47fb4a3c5d37055f50994a.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 828687, "full_name": "Alex Duta", "title": "Founder", "founder_bio": "Alex Duta is a serial entrepreneur and second time founder. He scaled a fire and water restoration company from his dad's garage to over 8 figures. Now he's working on a software startup (Albiware) that makes innovative technology simple and accessible to the home service market.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/alex-duta-xct-9a883b4b/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0a941ff1c2c8a4e144b3993219df4bc64f5c4459.jpg" }, { "user_id": 829031, "full_name": "Shamoil Soni", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/shamoilsoni/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/751fe4541a846e33b2a6f4f0775a2ba9ab86629a.jpg" } ], "jobs": [], "news": [ { "title": "Albiware Closes $2.5M Seed Round, Led by Takeoff Capital - C & R", "url": "https://candrmagazine.com/albiware-closes-2-5m-seed-round-led-by-takeoff-capital/", "date": "Aug 25, 2022" }, { "title": "True North Restoration Franchisor Adopts Albi as Technology Partner - C & R", "url": "https://candrmagazine.com/true-north-restoration-franchisor-adopts-albi-as-technology-partner/", "date": "Aug 18, 2022" }, { "title": "Albiware Accepted into Prestigious Y Combinator Accelerator - C & R", "url": "https://candrmagazine.com/albiware-accepted-into-prestigious-y-combinator-accelerator/", "date": "Jun 21, 2022" }, { "title": "Australian Restoration Giant Cowan Group Adopts Albi as Technology Partner - C & R", "url": "https://candrmagazine.com/australian-restoration-giant-cowan-group-adopts-albi-as-technology-partner/", "date": "May 31, 2022" } ], "launches": [ { "id": 64211, "title": "Albi - the super app for property insurance damage repair contractors", "tagline": "Bringing property insurance damage repair to the current era of tech! ", "body": "**The problem:** Technology in the damage repair space (think 🌪 🔥 💦 🏠 😢 ) is very limited (FileMaker pro apps and Microsoft Access databases 🙄). This is hindering damage repair contractors’ ability to scale their businesses.\n\n**The solution:** An all-in-one CRM, project management, field documentation, scheduling, BI, marketing automation, communication, HR management, and communication, designed specifically for damage repair contractors. This helps empower contractors with tools to better document their jobs (no more digital cameras, paper napkin sketches, redundant data entry), impress their customers (automated texts, emails, and surveys), reduce claims friction (arguments between contractor and insurance company), and allows them to scale faster!\n\n![Restoration Software](https://albiware.com/wp-content/uploads/2021/12/Albi_Homepage-1-2048x1536-1.png)\n\n**How we came up with this:** One of our founders (Alex) grew a restoration company from his dad’s garage to over 8 figures. He painfully attempted to do so utilizing the clunky technology on the market, and was convinced there had to be a better way. He partnered with Shamoil, a long-time friend and senior software engineer at a Med Tech startup, and together they built Albi!\n\n![uploaded image](/media/?type=post&id=64211&key=user_uploads/828687/0b77665b-8613-4a4a-8b1f-399b96a869ac)\n\n\\\n\\\n**Asks:**\n\nIf you know anyone we could synergize with, we’d love to talk! Any other company in the Prop Tech and Insurtech areas would be a great fit! Also, any feedback on how we explained our niche from an outsider’s point of view would also be amazing! [Directors@Albiware.com](mailto:Directors@Albiware.com) \\\n\\\n[www.albiware.com](http://www.albiware.com) ", "url": "https://www.ycombinator.com/launches/Ghf-albi-the-super-app-for-property-insurance-damage-repair-contractors", "votes": 19, "created_at": "2022-06-30T05:33:05.229Z" } ] }, { "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": 27250, "name": "Axle", "slug": "axle", "former_names": [ "Axle (Axle Labs", "Inc.)" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc7d56236fe67577e1d51a8f6c48ef7c48d88c9a.png", "website": "https://axle.insure", "all_locations": "New York City, NY, USA", "long_description": "Axle is the AI-native clearinghouse for property and casualty insurance. Our infrastructure and AI agents automate complex insurance workflows for third parties including verification, monitoring, and policy updates. We've helped Fortune 500 businesses like Rocket Mortgage, Avis, and Experian speed up workflows by 95% while recovering over $220M in potential losses. Axle is backed by Gradient, Y Combinator, and the founding team of Plaid.", "one_liner": "AI-native clearinghouse for insurance", "team_size": 20, "industry": "Fintech", "subindustry": "Fintech", "launched_at": 1658084084, "tags": [ "Developer Tools", "Fintech", "B2B", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2022", "status": "Active", "industries": [ "Fintech" ], "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/axle", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2022/axle.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/axle-labs", "x_url": "https://twitter.com/axlelabs", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/axle-f2b6", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/fc7d56236fe67577e1d51a8f6c48ef7c48d88c9a.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": 1050387, "full_name": "Cameron Duncan", "title": "Founder/CEO", "founder_bio": "I’m passionate about solving problems at the intersection of business, technology, and design. Previously, I led a product team at Clutch (acquired by Cox Automotive) that enabled brands like Porsche deliver new ways to access and own vehicles.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/cam-duncan/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/544230013b6be913ffa8cbbad540c09351fd84bb.jpg" }, { "user_id": 666958, "full_name": "Nihar Parikh", "title": "Founder/CTO", "founder_bio": "I build tools to help developers abstract complex problems and focus on providing great experiences for their customers. Previously, I led product at a seed-stage devtools company and founded Emory’s first startup accelerator.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/niharaparikh/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/d2997e69c3750e740d3ebe380d3c1487e018da62.jpg" }, { "user_id": 1054546, "full_name": "Armaan Sikand", "title": "Founder", "founder_bio": "", "is_active": true, "linkedin_url": "http://www.linkedin.com/in/armaan-sikand", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5d9c30b66c1cc51034cc0e8275b62f132aeee0b6.jpg" } ], "jobs": [ { "id": 64104, "title": "Staff Engineer", "url": "https://www.ycombinator.com/companies/axle/jobs/fsGXBTC-staff-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$215K - $270K", "equity_range": "0.20% - 0.40%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Node.js", "TypeScript" ] }, { "id": 70354, "title": "Senior Product Engineer", "url": "https://www.ycombinator.com/companies/axle/jobs/NMP8typ-senior-product-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$160K - $215K", "equity_range": "0.10% - 0.30%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Node.js", "React", "TypeScript" ] }, { "id": 79903, "title": "Product Engineer", "url": "https://www.ycombinator.com/companies/axle/jobs/8wAy0QH-product-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$120K - $160K", "equity_range": "0.05% - 0.15%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "Node.js", "React", "TypeScript" ] }, { "id": 82360, "title": "Enterprise Sales Director, Automotive", "url": "https://www.ycombinator.com/companies/axle/jobs/HNgtvPp-enterprise-sales-director-automotive", "location": "New York, NY, US / Atlanta, GA, US / Remote (US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$260K - $320K", "equity_range": "0.05% - 0.15%", "experience": "11+ years", "visa": "Will sponsor", "skills": [] }, { "id": 93374, "title": "Implementation Specialist", "url": "https://www.ycombinator.com/companies/axle/jobs/iAZeuSu-implementation-specialist", "location": "Atlanta, GA, US / New York, NY, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$80K - $95K", "equity_range": "0.02% - 0.03%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 95554, "title": "Customer Success Engineer", "url": "https://www.ycombinator.com/companies/axle/jobs/CFZbGcn-customer-success-engineer", "location": "Atlanta, GA, US / New York, NY, US", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$90K - $120K", "equity_range": "0.05% - 0.10%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 97369, "title": "Senior Partnerships Growth Manager", "url": "https://www.ycombinator.com/companies/axle/jobs/9eWDQcz-senior-partnerships-growth-manager", "location": "Atlanta, GA, US / New York, NY, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$145K - $170K", "equity_range": "0.03% - 0.05%", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 97373, "title": "Sr. Forward Deployed Product Manager", "url": "https://www.ycombinator.com/companies/axle/jobs/NkH8YUB-sr-forward-deployed-product-manager", "location": "New York, NY, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$150K - $200K", "equity_range": "0.10% - 0.30%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 97457, "title": "Lead Deployment Strategist", "url": "https://www.ycombinator.com/companies/axle/jobs/jE3sxRP-lead-deployment-strategist", "location": "New York, NY, US / Atlanta, GA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$190K - $240K", "equity_range": "0.15% - 0.30%", "experience": "6+ years", "visa": "Will sponsor", "skills": [] }, { "id": 97458, "title": "Senior Deployment Strategist", "url": "https://www.ycombinator.com/companies/axle/jobs/JurCHwR-senior-deployment-strategist", "location": "New York, NY, US / Atlanta, GA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$160K - $200K", "equity_range": "0.08% - 0.15%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 103832, "title": "Infrastructure & Security Engineer", "url": "https://www.ycombinator.com/companies/axle/jobs/1aTKKE2-infrastructure-security-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Devops", "salary_range": "$180K - $250K", "equity_range": "0.10% - 0.30%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 103866, "title": "Marketing Lead", "url": "https://www.ycombinator.com/companies/axle/jobs/xn5uUub-marketing-lead", "location": "New York, NY, US / Atlanta, GA, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$140K - $200K", "equity_range": "0.05% - 0.20%", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "Axle raises $17.5M for insurance data clearinghouse", "url": "https://www.axios.com/pro/fintech-deals/2026/08/11/axle-insurance-data-clearinghouse-startup", "date": "Aug 11, 2026" }, { "title": "Gradient Ventures backs Axle’s ‘Plaid for insurance’ approach to data verification | TechCrunch", "url": "https://techcrunch.com/2023/04/10/gradient-ventures-axle-plaid-insurance-verification/", "date": "Apr 10, 2023" }, { "title": "50 top YC companies hiring now", "url": "https://bit.ly/50-top-yc-companies-hiring-now", "date": "Dec 15, 2022" }, { "title": "Our 10 favorite startups from YC's S22 Demo Day: Part 2 • TechCrunch", "url": "https://techcrunch.com/2022/09/08/our-10-favorite-startups-from-ycs-s22-demo-day-part-2/", "date": "Sep 08, 2022" } ], "launches": [ { "id": 64702, "title": "Axle: Plaid for Insurance", "tagline": "Axle is an open platform for insurance, enabling companies to instantly collect, verify, and monitor insurance through consumer-consented data. ", "body": "[Get started today!](https://axle.insure)\n\n### **What’s the problem?**\n\nToday, both **consumer services** - like rental car companies and lenders - and **gig services/ employers** - like rideshare and food delivery - rely on legacy systems, paper, and hours on the phone each day to verify insurance for their customers or contractors with no real way to monitor coverage after the fact. This leads to friction in the checkout/onboarding process, heavy manual overhead for operations teams, and gaps in coverage that result in painful subrogation or expensive claims against umbrella policies.\n\n![uploaded image](/media/?type=post&id=64702&key=user_uploads/1050387/634c242f-59c3-452a-aa6c-c29094d0d29f)\n\n### **How do we help?**\n\nAxle automates collection, verification, and monitoring of insurance - enabling you to make better-informed decisions in seconds instead of hours.\n\nAxle is built for both operations and product teams. You can get started verifying customers in minutes - no code required - using our Dashboard, or embed Axle’s consent interface directly into your application via our API for a seamless customer experience.\n\n![uploaded image](/media/?type=post&id=64702&key=user_uploads/1050387/7caae2e5-ef12-40e9-b0dc-2d9fedd000b5)\n\n### \n\n**Backstory**\n\nI (Cam) have spent the last 3 years building new ways to access (rental, subscription, etc.) and own (home delivery, service pickup and delivery, etc.) vehicles. Time and time again I’ve painfully collected unverified images of insurance cards and dec pages while leveraging tools like Microblink and Acuant to capture and verify identity documents.\n\nI reached out to a few more operators in our network and quickly validated that they were facing the same issue, so I partnered with Nihar to build Axle: a painless way for consumers to link their insurance data to companies they trust.\n\n### **Get started today!**\n\nLooking to save time on insurance verification & monitoring and offering a seamless experience for your customers?\n\nBook some [time](https://calendly.com/axle-cam/30min) with us for a demo and to discuss how Axle can change your insurance process.\n\nFor any other questions, feel free to send me an email at [cam@axle.insure](mailto:cam@axle.insure)!", "url": "https://www.ycombinator.com/launches/Gpa-axle-plaid-for-insurance", "votes": 44, "created_at": "2022-07-18T17:12:01.762Z" } ] }, { "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": 27700, "name": "Latent", "slug": "latent", "former_names": [ "FactorHealth" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/d464e72e759603ce78169d56b1ef679252bf2dae.png", "website": "https://latenthealth.com", "all_locations": "San Francisco, CA, USA", "long_description": "At Latent, we're building medical language models to tackle the trillions of operational overhead weighing down healthcare. Our flagship product streamlines authorizations for life-saving drugs by analyzing EHR records and surfacing the most relevant data.\r\n\r\nWe've built our product and signed enterprise contracts with some of the largest health systems in the US.", "one_liner": "Medical language models to automate healthcare operations", "team_size": 50, "industry": "Healthcare", "subindustry": "Healthcare -> Healthcare IT", "launched_at": 1677047143, "tags": [ "B2B", "Healthcare", "Insurance", "Enterprise", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "Healthcare", "Healthcare IT" ], "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/latent", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/latent.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/latent-health", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/d464e72e759603ce78169d56b1ef679252bf2dae.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": 282190, "full_name": "Rishabh Jain", "title": "Founder", "founder_bio": "Co-founder at Latent. Repeat founder.", "is_active": true, "linkedin_url": "https://linkedin.com/in/rj254", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/adb34c9707d80e9e000b4735c64af699c67aa375.jpg" }, { "user_id": 860587, "full_name": "Sri Somasundaram", "title": "Founder", "founder_bio": "Co-founder at Latent. At Stanford, Sri investigated molecular binding patterns responsible for adaptive immunity and built deep RL robots with publications at ICML, ICLR, and Nature. He also operationalized language models for the largest financial institutions while on the founding team of Hebbia.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ssomasundaram/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4c31c54127a8c7717bccf13bbf8eefaef289ad71.jpg" } ], "jobs": [ { "id": 60167, "title": "Senior Software Engineer (Full Stack)", "url": "https://www.ycombinator.com/companies/latent/jobs/KqOXaXA-senior-software-engineer-full-stack", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $200K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "Amazon Web Services (AWS)", "Node.js", "Python", "React", "TypeScript" ] }, { "id": 66171, "title": "Design Engineer", "url": "https://www.ycombinator.com/companies/latent/jobs/5pgY0YE-design-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Design", "role_type": "Product design", "salary_range": "$120K - $180K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "CSS", "TypeScript", "Figma" ] } ], "news": [ { "title": "This $600 Million AI Startup Is Speeding Up Paperwork So Patients Get Drugs Faster", "url": "https://www.forbes.com/sites/rashishrivastava/2026/03/18/this-600-million-ai-startup-is-speeding-up-paperwork-so-patients-get-drugs-faster/", "date": "Mar 18, 2026" } ], "launches": [] }, { "id": 27702, "name": "Mulligan", "slug": "mulligan", "former_names": [ "Pyq", "pyq", "Pyq AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/cb7d742c0af1fc213b223ce6a9311844bfe178f6.png", "website": "https://insurestack.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Mulligan (now Insure Stack) is an end-to-end AI automation platform for commercial insurance brokers. Automates quoting, policy checking, proposals and more by up to 90%.\r\n\r\nIt was acquired in 2026 and is available here: https://insurestack.ai", "one_liner": "AI automation for insurance brokerages", "team_size": 5, "industry": "B2B", "subindustry": "B2B", "launched_at": 1669843803, "tags": [ "Documents", "Generative AI", "Finance", "Workflow Automation", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2023", "status": "Acquired", "industries": [ "B2B" ], "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/mulligan", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/mulligan.json", "year_founded": 2022, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/pyq-inc/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/cb7d742c0af1fc213b223ce6a9311844bfe178f6.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1013488, "full_name": "Aman Raghuvanshi", "title": "Founder", "founder_bio": "Prior to co-founding Mulligan, I worked at Sightly where I was the Director of Product. Studied Computer Science at Claremont McKenna College (through Harvey Mudd) and graduated in 2018. I enjoy watching F1, reading (mostly historical non-fiction that reads like fiction) and playing squash. I have three A.I. patents.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/aman-r-b727976a/", "x_url": "https://twitter.com/araghuvanshi2", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/78d961fa5efd6183e9dfaadaa2a280b48de26f76.jpg" }, { "user_id": 1144997, "full_name": "Emily Dorsey", "title": "Founder", "founder_bio": "I previously worked on the HoloLens at Microsoft. I studied Computer Science and French at Harvey Mudd College, and graduated in 2018. I love reality TV, knitting, and baking. ", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/emdors/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/fc168471b772c1d5e3e31ab25be56966a474a04d.jpg" } ], "jobs": [], "news": [ { "title": "Florida’s Prestige Trucking Insurance Acquires Mulligan, an AI Automation Platform", "url": "https://www.insurancejournal.com/news/southeast/2026/04/09/865144.htm", "date": "Apr 09, 2026" } ], "launches": [ { "id": 94819, "title": "Mulligan: End-to-end AI automation platform for insurance brokers", "tagline": "Automate quoting, policy checking, proposals and more by up to 90%", "body": "**TL;DR** Mulligan is an end to end AI automation platform for commercial insurance brokers. Cuts time spent on quoting, policy checking, proposals and more by 90%.\\\nStart for free at [usemulligan.com](http://usemulligan.com)\n\n[Check out our launch video](https://drive.google.com/file/d/13cMUq8gAs5q-ZjXVqoS7SLv7pAC1ljYF/view?usp=sharing)!\n\n# **Intro**\n\nI’m Aman and we’re building Mulligan, the world’s first end-to-end AI automation platform for commercial insurance brokers. It automates Quoting, Policy Comparison, Proposals, Commissions and more. We work with dozens of brokers and have helped all of them scale their businesses without adding more employees.\n\n# **Problem**\n\nSelling and servicing commercial insurance is a complicated process to begin with, and the manual paperwork involved makes it difficult to scale profitably. Brokers have to spend hours reading lengthy documents, navigating ancient portals and formatting documents to fit into their internal systems.\n\nExisting automation tools typically only address narrow workflows and do not integrate with each other, which means that automating a brokerage involves juggling multiple solutions and integrations.\n\nThe end result is that brokerages spend hundreds of hours every week, and billions of dollars annually, on non-revenue generating tasks and outsourcing.\n\n# **Solution**\n\nMulligan assembles submissions, generates quotes from carrier portals, compares quotes and policies, generates proposals and handles commission statements in minutes, without needing your hands-on-keyboard. Here’s what it can do:\n\n### **Quoting**\n\nQuote from one of the largest selections of commercial lines insurance carriers for Commercial Auto, Workers’ Compensation, Business Owners’, General Liability and Trucking policies. Do so with minimal data entry and largely without human intervention. This makes it easy for an agent to get a more complete view of the market, do less data entry and spend more time with their customers.\n\nTo use it, select the carriers to quote, upload any documents that contain relevant data and click “Submit’’. Mulligan then logs into and produces draft quotes in each carrier portal, ready to review, edit and bind.\n\n![uploaded image](/media/?type=post&id=94819&key=user_uploads/1013488/6f26d394-1c38-4f97-a17e-99c397e184db)\n\n### **Policy Checking & Comparison**\n\nAnalyze quotes, binders or policies, compare across documents and identify gaps in coverage. Manually analyzing these documents used to take hours, if not days, and can now be done in minutes. This tool can be used to service existing customers, as well as to help close new ones by analyzing their existing policies and identifying areas of improvement.\n\nSimply upload docs, view them side-by-side, chat with them and match them to checklists to identify gaps.\n\n![uploaded image](/media/?type=post&id=94819&key=user_uploads/1013488/dbc87031-968d-4c02-8301-d77ee5cd94d3)\n\n### **Proposals**\n\nGenerate beautiful, branded proposals using quotes, policies and binders in minutes. These documents can be produced in Mulligan’s own design format, or using a template provided by the agency. The end result is a document whose style, content and tone showcases the agency’s professionalism and thoroughness.\n\n![uploaded image](/media/?type=post&id=94819&key=user_uploads/1013488/f393c554-a4f4-4485-8d9a-9e89bfe6248e)\n\n### **Submissions**\n\nProduce clean, complete and professional submissions to send to underwriters. Upload diverse documents such as loss runs, SOVs, vehicle and driver lists, and produce easily ingestible documents with just a few clicks. These submissions help portray the customer in the best possible light, and get processed by underwriters faster since they are well organized and easy to process.\n\n![uploaded image](/media/?type=post&id=94819&key=user_uploads/1013488/66ba3d38-9f05-4ae9-a64f-fccefee61a2c)\n\n### **Commissions**\n\nExtract commissions from lengthy statements and transform them into a format expected by most popular Agency Management Systems such as Applied Epic, AMS360, EZLynx, Veruna and more. Furthermore, review the values in the commission statement to check if there’s an underpayment from the carrier, or to reconcile the books faster.\n\n![uploaded image](/media/?type=post&id=94819&key=user_uploads/1013488/218d7bc3-1aa4-45d6-abb8-0ddabd48c31f)\n\n# **How to get started**\n\nIf you are an insurance agent working on commercial lines, or know someone who is, sign up at [usemulligan.com](http://usemulligan.com) for free and get started today. Mulligan has already been deployed across organizations of various sizes, and offers flexible pricing models that fit any budget.\n\n![uploaded image](/media/?type=post&id=94819&key=user_uploads/1013488/ac7eae38-9fd9-434a-924d-eadc97472b0c)\n\n", "url": "https://www.ycombinator.com/launches/OfL-mulligan-end-to-end-ai-automation-platform-for-insurance-brokers", "votes": 34, "created_at": "2025-10-22T16:15:47.880Z" } ] }, { "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": 28218, "name": "Kyber", "slug": "kyber", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/3004c4a72b716a80763763b95bf3e212c448756e.png", "website": "https://askkyber.com", "all_locations": "New York City, NY, USA", "long_description": "With Kyber, companies operating in regulated industries can quickly draft, review, and send complex regulatory notices. For example, when Branch Insurance's claims team has to settle a claim, instead of spending hours piecing together evidence to draft a complex notice, they can simply upload the details of the claim to Kyber, auto-generate multiple best in-class drafts, easily assign reviewers, collaborate on notices in real-time, and then send the letter to the individual the notice is for. Kyber not only saves these teams time, but significantly improves consistency, compliance, and personalization. ", "one_liner": "Instantly draft, review, and send complex regulatory notices.", "team_size": 5, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1677372539, "tags": [ "Generative AI", "SaaS", "Insurance", "Enterprise", "Regtech" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2023", "status": "Active", "industries": [ "B2B", "Operations" ], "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/kyber", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2023/kyber.json", "year_founded": 2022, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/ask-kyber/", "x_url": "https://twitter.com/AskKyber", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/kyber", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/3004c4a72b716a80763763b95bf3e212c448756e.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/188ff6c81544db46c701a9e6adfa9be701ef4791.png" ], "primary_partner": { "name": "Jared Friedman", "url": "https://www.ycombinator.com/people/jared-friedman" }, "founders": [ { "user_id": 271067, "full_name": "Arvind Sontha", "title": "Founder", "founder_bio": "Arvind Sontha is Founder & CEO of Kyber. He is a repeat founder with an entrepreneurial spirit that started in his childhood, when he started a local pet care business. Since then, his entrepreneurial endeavors have taken him across numerous industries, building in EdTech, Dating, Insurtech, and AI. During this time, Arvind also signed full-time with Google at 19, founded Subtle Curry Dating (~250k members on Facebook), and became a licensed insurance agent.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/arvind-sontha/", "x_url": "https://twitter.com/ArvindSontha", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6db185fb8a67fa875d1775d6725f3f8cc2776327.jpg" } ], "jobs": [ { "id": 110021, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/kyber/jobs/eturrAR-forward-deployed-engineer", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$110K - $150K", "equity_range": "0.05% - 0.15%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [ "JavaScript", "Python", "SQL" ] } ], "news": [], "launches": [ { "id": 79877, "title": "Kyber LetterGen 📝 Compose and send complex claim notices", "tagline": "We help claims teams instantly draft, review, and send complex notices.", "body": "**_tldr;_** _We make it simple for claims teams to instantly draft, review, and send complex notices to insureds, claimants, and third parties (like attorneys). With GenAI draft generation, real-time collaborative editing, integrated review workflows, and omnichannel delivery, Kyber’s LetterGen is able to supercharge the process of creating claim denial, partial denial, and settlement notices for even the most complex claims._ **Book a demo on our [website](https://askkyber.com?utm_source=ycombinator&utm_medium=launch&utm_campaign=claims_launch_yc) to learn more!**\n\n**—**\n\n# **🧨 Problem: Regulated notices are tedious and high-risk.**\n\nFor claims teams, state departments of insurance typically have very clear guidelines around the specific types of notices an insurer is supposed to provide to the parties involved. These include notices like claim acknowledgment, status updates, proactive reservations of rights, and finally, either a claim denial, partial denial, or settlement letter detailing what finally is or isn’t covered.\n\nWhile that may seem straightforward, many organizations fail to meet these requirements as adjustors struggle to efficiently write notices up to the required quality bar. Numerous carriers we’ve talked to and currently work with have audited their claims organizations and found that their teams spend upwards of **30% of their working hours** just handling these notices.\n\nWhy? Many times, these notices end up in a court of law where an unhappy claimant will sue the insurer, arguing that the notice was ambiguous.\n\n# **🎉 Solution: One platform to consolidate, collaborate, and send notices.**\n\nKyber’s LetterGen helps companies streamline their notice creation process, removing tedious overhead and minimizing risk from claimants suing companies for acting in bad faith.\n\n![](https://www.ycombinator.com/media/?type=post&id=79877&key=user_uploads/271067/33ede188-d105-4957-a9e3-5f109a3b9320)\n\nOut of the box, Kyber’s LetterGen comes with:\n\n* Automatic policy language extraction 🔍\n* Personalized draft creation powered by GenAI 🤖\n* Integrated review workflow ⭐\n* Real-time collaborative editing and commenting 💬\n* Full history and version tracking support 🕗\n* Basic template creation and management 📄\n* Progress tracking across your notice funnel 📊\n* Pre-built integrations into claims systems and mailing systems ✉️\n\n### **Our ask 🙏**\n\n* Connect us with Operations or Claims leaders at TPAs, Carriers, MGAs, or Reinsurers ➡️ [sav@askkyber.com](https://mailto:sav@askkyber.com).\n* If you or your organization operate in a regulated industry (Healthcare, Loans, Banking, Utilities, etc.) and are required to generate similar notices for third parties, we’d love to learn more ➡️ [founders@askkyber.com](mailto:founders@askkyber.com)", "url": "https://www.ycombinator.com/launches/KmL-kyber-lettergen-compose-and-send-complex-claim-notices", "votes": 21, "created_at": "2024-04-02T15:41:18.646Z" }, { "id": 69780, "title": "Kyber - ChatGPT for enterprise support", "tagline": "Kyber embeds AI intelligence into enterprise support workflows to accelerate customer success teams.", "body": "# TL;DR Instead of digging across resources to find the right answer, Kyber provides highly specific and accurate answers right at your fingertips.\n\n### Who Is It For?\n\nAny company/enterprise that gets repeat questions about the same thing over and over again that they’ve already documented or answered.\n\n### How It Works\n\n⚡ Install our **Slack/Discord/Front/Intercom** Apps each in **two clicks**\n\n**⚙️** We’ll ingest your knowledge base (typically public documentation) and configure them into your preferred access channels\n\n**❓** Go to town asking Kyber for help on questions about your knowledge base\n\n🔍 Gain important insights into user questions and team questions, which you can then use to further refine your knowledge base\n\n🚀 Accelerate support, onboarding, and more at speed of AI\n\nDirect Response Flow:\n\n![uploaded image](https://bookface.ycombinator.com/media/?type=post&id=69780&key=user_uploads/271067/061a2882-761b-4b9d-83cf-edf2fc8ba501)\n\nHidden Response Flow:\n\n![uploaded image](/media/?type=post&id=69780&key=user_uploads/271067/98d2c6ea-889d-45a7-a4bc-33b6d11a4626)\n\n# Why We Built Kyber\n\n🤔 We started Kyber because we were frustrated with the tradeoffs that different resources and support channels provide today. At the end of the day, we realized that end users just want factually correct answers and they want them NOW.\n\nExisting resources each make tradeoffs between speed, relevance, and trust:\n\n* Documentation (Immediately available, but not easy to search or always up to date): \n * Speed ✅\n * Relevance ❌\n * Trust ✅\n* Community (Friendly, but not sure if answers are trustworthy):\n * Speed ✅\n * Relevance ✅\n * Trust ❌\n* Support Staff (Relevant and trustworthy answers, but usually very slow):\n * Speed ❌\n * Relevance ✅\n * Trust  ✅\n\nWe help bridge these gaps by either providing your users a direct interface for help or by enabling your CX teams to quickly search and generate answers using our flows.\n\n# How Can I Try It?\n\nEmail us at [founders@askkyber.com](mailto:founders@askkyber.com)\n\nWe’ll set up a custom demo where you’ll be able to try it out firsthand on top of your chosen knowledge base. Once you’re happy, we’ll give you and your team a white-glove onboarding experience.\n\nHave any additional flows, knowledge base sources, or integrations in mind? Let us know! We’re more than happy to support it and already have a few more exciting features planned for the future (stay tuned 😉).", "url": "https://www.ycombinator.com/launches/I9U-kyber-chatgpt-for-enterprise-support", "votes": 32, "created_at": "2023-02-28T20:08:07.488Z" } ] }, { "id": 29082, "name": "Strada", "slug": "strada", "former_names": [ "Strada", "Finbox" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/a1ed3e2a5a9fdba541eb63fd5da473fcbac4b34f.png", "website": "https://www.getstrada.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Strada automates insurance operations with AI agents. We deploy agents that handle policy servicing and claims operations end-to-end for some of the largest insurance carriers and brokers in the US. With native integrations into core policy, claims and agency management systems, we automate complex workflows with the domain expertise and compliance guardrails the industry demands.", "one_liner": "AI agents that run insurance operations", "team_size": 21, "industry": "B2B", "subindustry": "B2B", "launched_at": 1690570692, "tags": [ "SaaS", "B2B", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2023", "status": "Active", "industries": [ "B2B" ], "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/strada", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2023/strada.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/getstrada", "x_url": "https://twitter.com/stradaHQ", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/strada-d62c", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/a1ed3e2a5a9fdba541eb63fd5da473fcbac4b34f.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/8fb857670e169cdef3efe71d22f20b88ac8353f0.png" ], "primary_partner": { "name": "David Lieb", "url": "https://www.ycombinator.com/people/david-lieb" }, "founders": [ { "user_id": 764026, "full_name": "Amir Prodensky", "title": "Founder/CEO", "founder_bio": "Co-founder & CEO at Strada. Previously PM @ Revolut.", "is_active": true, "linkedin_url": "https://linkedin.com/in/aprodensky", "x_url": "https://twitter.com/AmirProd1", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a62b5c987283e02cc42bc99ec1c02f4507923dea.jpg" }, { "user_id": 1440639, "full_name": "Arash Khazaei", "title": "Founder", "founder_bio": "Co-Founder & CTO of Strada. Previously led engineering at Stripe-backed fintech and tech lead at Microsoft. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/arash-khazaei-18063260", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0a3e3b9d204dda75321e4d5fc3209cdf7ef07a08.jpg" } ], "jobs": [ { "id": 93372, "title": "Senior Full Stack Engineer", "url": "https://www.ycombinator.com/companies/strada/jobs/jrkrq2u-senior-full-stack-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$160K - $230K", "equity_range": "0.20% - 0.60%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 99576, "title": "Senior BDR (Business Development Representative)", "url": "https://www.ycombinator.com/companies/strada/jobs/fCYs7ij-senior-bdr-business-development-representative", "location": "San Francisco Office", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $130K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 102364, "title": "Enterprise Account Executive", "url": "https://www.ycombinator.com/companies/strada/jobs/78CcyW6-enterprise-account-executive", "location": "Remote (US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$240K - $320K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110258, "title": "Senior Full Stack Engineer", "url": "https://www.ycombinator.com/companies/strada/jobs/bhUo7Ro-senior-full-stack-engineer", "location": "Toronto, ON, CA / Toronto, Ontario, CA", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$160K - $220K CAD", "equity_range": "", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Node.js", "React", "TypeScript" ] } ], "news": [], "launches": [] }, { "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": 29290, "name": "FurtherAI", "slug": "furtherai", "former_names": [ "Further AI", "FURTHER AI" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f69d37602abbe546a737245228432e7650303234.png", "website": "https://www.furtherai.com/", "all_locations": "San Francisco, CA, USA", "long_description": "FurtherAI is a domain-specific AI for the insurance industry. Our AI Assistant automates complex workflows like submission intake, policy comparisons, and underwriting audits - making teams faster, smarter, and more efficient.\r\n\r\nLeading insurers, reinsurers, MGAs, and brokers rely on FurtherAI to drive better decisions at scale. Backed by top investors including Y Combinator, Nexus, South Park Commons, and Converge, FurtherAI supports customers writing over $15B in premiums across all 50 states.", "one_liner": "AI Workforce for the Insurance Industry", "team_size": 36, "industry": "B2B", "subindustry": "B2B", "launched_at": 1719357150, "tags": [ "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B" ], "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/furtherai", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/furtherai.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/furtherai/", "x_url": "https://x.com/furtheraicom/", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f69d37602abbe546a737245228432e7650303234.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": 392100, "full_name": "Aman Gour", "title": "Founder/CEO", "founder_bio": "Aman Gour is the Co-founder/CEO of FurtherAI. \n\nPreviously he co-founded, TurboHire - a platform for recruitment automation, where he was responsible for scaling up the revenue to over $1m in ARR. He has approximately 10 years of experience in developing workflow automation solutions for various industries.\n\nBefore that, he worked as a Product Manager at Microsoft after obtaining a degree in computer science from IIT Bombay (India)\n", "is_active": true, "linkedin_url": "https://linkedin.com/in/amangour", "x_url": "https://twitter.com/amangour30", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4c10c703f2928cc40d97f28087924b61f36ab257.jpg" }, { "user_id": 1107011, "full_name": "Sashank Gondala", "title": "Founder/CTO", "founder_bio": "Sashank Gondala is the co-founder and CTO of FurtherAI. Previously, he is a former language modeling scientist at Apple, where he built and scaled language models for Siri. \n\nSashank is a Computer Science graduate from IIT Bombay and later did his Masters in Computer Science (Machine Learning) from Georgia Tech where he conducted research in multimodal AI alongside industry-leading scientists.", "is_active": true, "linkedin_url": "https://linkedin.com/in/sashank-gondala-083132a0", "x_url": "https://twitter.com/sgondala2", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/266811aeef05c292fd2cfefe2872823964b103ff.jpg" } ], "jobs": [ { "id": 68037, "title": "Software Engineer - Backend/Fullstack [India]", "url": "https://www.ycombinator.com/companies/furtherai/jobs/YZZvimn-software-engineer-backend-fullstack-india", "location": "Remote", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$40K - $80K", "equity_range": "0.10% - 0.80%", "experience": "3+ years", "visa": "Will sponsor", "skills": [ "Python" ] }, { "id": 70897, "title": "Sales Development Representative", "url": "https://www.ycombinator.com/companies/furtherai/jobs/G6CMA8T-sales-development-representative", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$90K - $100K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 72338, "title": "Senior Software Engineer - Backend/Fullstack", "url": "https://www.ycombinator.com/companies/furtherai/jobs/sGJen8v-senior-software-engineer-backend-fullstack", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$180K - $250K", "equity_range": "0.20% - 0.75%", "experience": "6+ years", "visa": "Will sponsor", "skills": [ "Python" ] }, { "id": 72438, "title": "Frontend Engineer - Web", "url": "https://www.ycombinator.com/companies/furtherai/jobs/zrN2j29-frontend-engineer-web", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "$120K - $210K", "equity_range": "0.20% - 0.75%", "experience": "3+ years", "visa": "Will sponsor", "skills": [ "React" ] }, { "id": 74863, "title": "Enterprise Account Executive ", "url": "https://www.ycombinator.com/companies/furtherai/jobs/kdIIjL9-enterprise-account-executive", "location": "San Francisco, CA, US / Remote (Chicago, IL, US; New York, NY, US)", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$100K - $175K", "equity_range": "0.05% - 0.25%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 77473, "title": "Forward Deployed Engineer ", "url": "https://www.ycombinator.com/companies/furtherai/jobs/2uFhWmi-forward-deployed-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Backend", "salary_range": "$120K - $180K", "equity_range": "0.10% - 0.20%", "experience": "1+ years", "visa": "Will sponsor", "skills": [ "Python", "React", "TypeScript" ] }, { "id": 78629, "title": "Customer Success Manager", "url": "https://www.ycombinator.com/companies/furtherai/jobs/FjHA8gt-customer-success-manager", "location": "San Francisco, CA, US / Remote (US)", "type": "Full-time", "role": "Support", "role_type": null, "salary_range": "$80K - $140K", "equity_range": "0.05% - 0.15%", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 80903, "title": "Founding Product Designer", "url": "https://www.ycombinator.com/companies/furtherai/jobs/rVO1Ds6-founding-product-designer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Design", "role_type": "Product design", "salary_range": "$150K - $220K", "equity_range": "", "experience": "3+ years", "visa": "Will sponsor", "skills": [] }, { "id": 81356, "title": "Software Engineer - Frontend [India]", "url": "https://www.ycombinator.com/companies/furtherai/jobs/lsRlYUA-software-engineer-frontend-india", "location": "IN / Remote (IN)", "type": "Full-time", "role": "Engineering", "role_type": "Frontend", "salary_range": "₹4M - ₹7.5M INR", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [ "React", "TypeScript" ] }, { "id": 86029, "title": "Marketing Generalist", "url": "https://www.ycombinator.com/companies/furtherai/jobs/Y70e7Jk-marketing-generalist", "location": "San Francisco", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$90K - $120K", "equity_range": "0.01% - 0.05%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 86518, "title": "Create your own role", "url": "https://www.ycombinator.com/companies/furtherai/jobs/aEVCp9Y-create-your-own-role", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $200K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 86521, "title": "Solutions Engineer", "url": "https://www.ycombinator.com/companies/furtherai/jobs/vi15Nwd-solutions-engineer", "location": "San Francisco", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$155K - $180K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 86523, "title": "Social Media Specialist", "url": "https://www.ycombinator.com/companies/furtherai/jobs/CqUsnaz-social-media-specialist", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$70K - $90K", "equity_range": "0.02% - 0.05%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 86524, "title": "Executive Assistant & Operations Lead", "url": "https://www.ycombinator.com/companies/furtherai/jobs/5o9123v-executive-assistant-operations-lead", "location": "San Francisco", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "", "equity_range": "", "experience": "", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "FurtherAI Raises $25 Million From Andreessen To Automate Insurance Workflows", "url": "https://www.forbes.com/sites/charliefink/2025/10/07/furtherai-raises-25m-from-andreessen-to-automate-insurance-workflows/", "date": "Oct 07, 2025" }, { "title": "FurtherAI Raises $5M To Advance Its Specialized AI For Insurance", "url": "https://www.furtherai.com/blog/furtherai-raises-5m-to-advance-its-specialized-ai-for-insurance", "date": "Apr 02, 2025" } ], "launches": [ { "id": 82225, "title": "FurtherAI: AI workspace for the insurance industry", "tagline": "Unlocking the massive untapped potential by automating insurance workflows", "body": "The insurance industry faces a severe labor shortage while over 3 million current insurance professionals are stuck doing repetitive manual tasks.\n\nAt [FurtherAI](http://furtherai.com), we are building a AI Workspace to handle these repetitive manual tasks involving unstructured data processing and data entry across disjointed systems. Our first AI Teammate tirelessly handles quote and renewal workflows, allowing the human teams to focus on strategic work.\n\n👇 [Here](https://youtu.be/6jCr0kW1MjA) is a heartfelt video from a customer highlighting their problems & opportunity\n\n### **❌ PROBLEM**\n\nIt’s widely reported that the insurance industry will lose over [400K people](https://www.insurancebusinessmag.com/us/news/breaking-news/us-insurance-sector-to-lose-around-400000-workers-by-2026-466593.aspx) by 2026. On the other hand, over [3M insurance professionals](https://www.bls.gov/iag/tgs/iag524.htm) spend most of their time manually generating proposals, checking policies, processing claims, or entering data into underwriting systems.\n\nMost of these tasks have remained manual for two reasons:\n\n* The insurance industry operates on a lot of unstructured data like policies, quotes & more\n* The software systems in the insurance industry are not connected, requiring humans to manually fill in data and forms across these systems.\n\nPreviously, it was not possible to process the unstructured data with high accuracy, and it was difficult to configure all the validation rules. To make things worse, Robotic Process Automation was too brittle to maintain.\n\nThese manual workflows take the time of the skilled workforce away from the important tasks, reducing productivity and job satisfaction.\n\nOne such manual workflow is quote generation: a mid-sized (50-200 EEs) broker/MGA generates 1000s of quotes per month by extracting data from policy documents and then entering into portals. It takes about 30-45 mins per quote.\n\n### **💡 SOLUTION**\n\nAt FurtherAI, we are building a AI Workspace to automate insurance workflows. These AI Teammates can practically automate any insurance workflow involving processing unstructured documents, data entry into internal systems or web portals, or even making phone calls.\n\n[Here](https://youtu.be/nR-j_hTdgeI) is a quick demo of the AI Teammate performing Quote Generation. It is a simple workflow:\n\n1\\. **Trigger** - Send an email along with the client application attached\n\n2\\. **Clarification** - Respond to the missing information asked by AI\n\n3\\. **Result** - Get the generated quote along with the execution video\n\nWe are building these AI Teammates to mimic human-to-human interaction.\n\n* Everything happens within the email client (Outlook/Gmail)\n* We run fine-tuned GPT models for the insurance industry\n* We are building agentic loops to make the automation reliable\n\nOur initial customers are saving over $400K in annual costs across these workflows while making them 10X faster and less prone to human errors. We are starting with the workflows of quote generation and renewals as they directly impact the top line of our customers.\n\n### **🤝 WHO ARE WE?**\n\nWe’re Aman and Sashank.\n\n[Aman](https://linkedin.com/in/amangour) is a second-time founder with around 10 years of experience in workflow automation. Previously he built and scaled his company to over $1 million ARR and worked as a Product Manager at Microsoft.\n\n[Sashank](https://www.linkedin.com/in/sashank-gondala-083132a0) is a former language modeling scientist at Apple, where he built and scaled language models for Siri. Previously he completed his Masters in AI from Georgia Tech and worked at Oracle.\n\nWe believe that, like energy, the cost of insurance affects the entire economy, and improving efficiencies here benefits everyone. Together, we’re excited to help insurance companies unlock unprecedented efficiencies with AI.\n\nIn the picture: Aman (CEO, Left), Sashank (CTO, Center), and Tom (YC Partner, Right)\n\n![uploaded image](/media/?type=post&id=82225&key=user_uploads/392100/ebc0ce07-0b93-45fa-88af-7b45144dc684)\n\n### **💫 REQUEST**\n\nThank you for taking the time to read through this ❤️\n\nWe are looking to connect with insurance brokers and MGAs to get feedback on our product and explore if they’d want to try our AI Teammates.", "url": "https://www.ycombinator.com/launches/LOD-furtherai-ai-workspace-for-the-insurance-industry", "votes": 65, "created_at": "2024-07-17T20:50:44.024Z" } ] }, { "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": 29342, "name": "InQuery", "slug": "inquery-2", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/6af70add968020435b7e6619f1daf7399205f64b.png", "website": "https://www.inquery.ai/", "all_locations": "New York City, NY, USA", "long_description": "InQuery is a fully-automated medical record review platform that indexes, labels, and summarizes patient medical records so that physicians and attorneys can understand patient journeys at a glance. \r\n\r\nOur proprietary technology reasons about each record to surface key insights that could make or break your medical legal case.", "one_liner": "Intelligent Medical Record Reviews", "team_size": 4, "industry": "Healthcare", "subindustry": "Healthcare -> Healthcare IT", "launched_at": 1704737122, "tags": [ "Documents", "Insurance", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Healthcare", "Healthcare IT" ], "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/inquery-2", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/inquery-2.json", "year_founded": 2023, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/inquery-data/?viewAsMember=true", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/6af70add968020435b7e6619f1daf7399205f64b.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": 414961, "full_name": "Erick Enriquez", "title": "Founder", "founder_bio": "CEO @ InQuery. Previously @ Stanford CS & DoorDash Data Infra.", "is_active": true, "linkedin_url": "https://linkedin.com/in/erick-enriquez", "x_url": "https://twitter.com/generick_ez", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/dee73e7c6f7b92b5e3fbeec61374601575fd159f.jpg" }, { "user_id": 1660601, "full_name": "Khalil Miri", "title": "Founder/CPO", "founder_bio": "Cofounder and CTO @InQuery. Background: Quant Trader at DRW and Citadel, Stanford CS grad, former Math Olympiad medalist", "is_active": true, "linkedin_url": "https://linkedin.com/in/khalil-miri?challengeId=AQHWHo0KU27KHgAAAYtAT5ChJwAxKyHDUTBZ_lM6cVviquDDjRyqB9xJxhlm0ATSXVRSaWgd29Ey0nUP_7m83XuDx3BvDkY4Jw&submissionId=2e9e84f8-0d0e-8f17-0b3e-f45c8158d27c&challengeSource=AgHqCrfI9npr2QAAAYtAT8XC638RucWqcGTLCZ7eovbJ-AYf7th1Rp30ur3XDSY&challegeType=AgHlTtcDd_2XCAAAAYtAT8XEcBz-r74sxX0ukDxvpdpO-N0f--z8dVw&memberId=AgFc2--6eoHdUwAAAYtAT8XHLvuvaBS3QEThr7PWG6--ydU&recognizeDevice=AgExDFN6a2fGlAAAAYtAT8XJR2ljtKp39iqIOlBAMno1-CUSmezV", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2bd7907022abc4fbccd7fd0589b63c617fdc2aed.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 78918, "title": "InQuery - AI-powered Claims Management System", "tagline": "InQuery eliminates tedious back office claims admin work like data capture, document management, and claims research so that adjusters can focus on providing world-class service to claimants.", "body": "\\*\\*TLDR: InQuery helps carriers, state funds, self-insured employers and TPAs automate tedious parts of the claims processing workflow so that claims can get closed faster and litigated less.\\*\\*\\\n\\\nHey everyone, we’re [Erick](https://linkedin.com/in/erick-enriquez) and [Khalil](https://linkedin.com/in/khalil-miri?challengeId=AQHWHo0KU27KHgAAAYtAT5ChJwAxKyHDUTBZ_lM6cVviquDDjRyqB9xJxhlm0ATSXVRSaWgd29Ey0nUP_7m83XuDx3BvDkY4Jw&submissionId=2e9e84f8-0d0e-8f17-0b3e-f45c8158d27c&challengeSource=AgHqCrfI9npr2QAAAYtAT8XC638RucWqcGTLCZ7eovbJ-AYf7th1Rp30ur3XDSY&challegeType=AgHlTtcDd_2XCAAAAYtAT8XEcBz-r74sxX0ukDxvpdpO-N0f--z8dVw&memberId=AgFc2--6eoHdUwAAAYtAT8XHLvuvaBS3QEThr7PWG6--ydU&recognizeDevice=AgExDFN6a2fGlAAAAYtAT8XJR2ljtKp39iqIOlBAMno1-CUSmezV) and we’re building [InQuery](https://www.inquery.ai/). \\\n\\\n**🔍 Problem**\\\nThe insurance industry is facing a labor shortage that is creating a negative spiral for staffing. As carriers struggle to hire, existing talent is getting overloaded and under-trained, causing severe retention issues at most large carriers. This talent squeeze means that per-case performance quality drops, leading claimants to experience confusion and frustration, which inevitably drives litigation rates upwards as they seek representation and support. As a result, average claim costs are rising, squeezing carriers expense ratios at the same time as inflation causes ballooning medical costs. \n\nStill, claims adjusters like my sister spend most of their day transcribing telephone calls, navigating large sets of semi-structured policies, and mapping data from large and complicated medical documents to relatively structured schemas in their existing CMS.\n\n**🦾 Our Solution**\n\nAt InQuery, our mission is to develop AI agents tailored for the insurance industry, beginning with with claims handling. These agents will enable claims handlers to concentrate on high-impact settlement strategies, effective negotiations, and casualty remediation processes. The result? Reduced litigation rates, improved loss ratios, and enhanced satisfaction for both employees and claimants.\n\nBut our vision doesn’t stop there. As we perfect our AI solutions for claims handling, we’re poised to expand into other insurance-specific workflows, bringing efficiency and innovation to every corner of the industry. Our AI agents will seamlessly integrate with your current team, taking over repetitive tasks and collaborating with human staff where their expertise is needed most. Join us in redefining insurance processes and empowering your workforce to achieve more.\\\n\\\n\\*\\*👋 About us:\\*\\*\\\nBefore starting InQuery, we’ve been best friends since living in the same dorm during our freshman year studying Computer Science at Stanford.\n\n![](https://lh7-us.googleusercontent.com/krqSs7LIAO18m20ptblmaz74UhYwXwAMIHwY22ZLG4orANZ2GRjnjk9U_mmiBdOVwR2KlSvdH0StCYadIwufhj2T3V8cv7o5q3BHT04hsA_F_aMm-uN6mHA_-OdQJG8axjRNS3tZVuqGZg7vAhMJkcE)\n\n\\\n**Our Ask**\\\nIf you or anyone you know has experienced the pain of handling claim caseloads of upwards 100+ active cases, we’d love to chat. We’re looking for intros to carriers, self-insured employers, and TPAs. \\\n\\\nEven if our product isn’t the right fit for you yet, we’d love to learn about what’s working well and what’s broken at your organization and share what we’ve learned from talking to dozens of carriers ourselves.", "url": "https://www.ycombinator.com/launches/KWs-inquery-ai-powered-claims-management-system", "votes": 38, "created_at": "2024-02-29T21:17:22.340Z" } ] }, { "id": 29451, "name": "Basepilot", "slug": "basepilot", "former_names": [ "Nexus" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ab7f5055bddb0617e16226359b7395d5b8354b2.png", "website": "https://www.basepilot.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Basepilot helps insurers, TPAs and MGAs streamline claims operations with line-of-business-specific AI agents. Companies like Old Republic International, Zurich & others use Basepilot to make claims operations more efficient, less costly and more intelligent.\r\n\r\nBasepilot is founded by Ken Hendricks and Pascal Wieler.\r\n\r\nInterested to try it out? Get started here: https://www.basepilot.com/ ", "one_liner": "AI agents for insurance claims", "team_size": 2, "industry": "B2B", "subindustry": "B2B -> Productivity", "launched_at": 1704381024, "tags": [ "Insurance", "No-code", "Automation", "AI", "AI Assistant" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "B2B", "Productivity" ], "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/basepilot", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/basepilot.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/basepilot/", "x_url": "https://twitter.com/basepilot", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/2ab7f5055bddb0617e16226359b7395d5b8354b2.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/3497479028fb34c627989c3c9ad6231c9bba908b.png" ], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 338967, "full_name": "Ken Hendricks", "title": "Founder/CEO", "founder_bio": "I’m Ken, co-founder and CEO of Basepilot. We build AI coworkers that collaborate with humans to automate work. \n\nPrior to Basepilot, I led product at a B2B fintech startup and grew it to 3M users in <12 months, with customers like Visa and Bank of America. Before that, I built a computer vision startup out of university that reached $250K ARR with partnerships like Deloitte, KPMG, EY and BMW. \n\nBorn in Mumbai, brought up in New Zealand, before moving to SF. Studied Mechatronics eng.", "is_active": true, "linkedin_url": "https://linkedin.com/in/ken-hendricks-96181611a", "x_url": "https://twitter.com/KenHendricks_", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/95ea5d358502a369eef7fe3b31b95f6163163e8a.jpg" }, { "user_id": 842820, "full_name": "Pascal Wieler", "title": "Founder/CTO", "founder_bio": "Hi! I'm Pascal, Co-founder of Basepilot. I grew up in Germany.\n\nPassionate about AI agents, robotics & outdoor sports 🤖🚵. Studied CS MSc. @CMU MLD & KIT. Previously, I co-founded a robotics startup, did research in robotic manipulation & imitation learning at Carnegie Mellon, and worked on self-driving cars at Mercedes-Benz. Excited to be a part of YC, let's chat!", "is_active": true, "linkedin_url": "https://linkedin.com/in/pascal-wieler", "x_url": "https://twitter.com/pascalwieler", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9cec26f8bcb697fe04fa422fb47bc94bd67cab4c.jpg" } ], "jobs": [], "news": [ { "title": "Startups building AI assistants pop in latest YC batch", "url": "https://www.bizjournals.com/sanfrancisco/inno/stories/news/2024/04/04/ai-assistants-y-combinator-demo-day.html", "date": "Apr 04, 2024" } ], "launches": [ { "id": 79264, "title": "🚀 Basepilot: Your AI employee to automate repetitive browser work in minutes", "tagline": "Saving businesses time and resources by automating back-office work across your browser, such as filling out forms, entering information into a CRM, & much more.", "body": "Hey everyone! We’re [**Pascal**](https://www.linkedin.com/in/pascal-wieler/) and [**Ken**](https://www.linkedin.com/in/ken-hendricks-96181611a/), here to introduce you to [**Basepilot**](https://www.basepilot.com/).\n\n# **TL;DR:**\n\nBasepilot creates AI assistants to automate repetitive and manual work across a browser. We help companies save 30% of their time weekly and cut costs, freeing up resources for more high-value tasks. For example, finance, recruitment, or sales teams can automate mundane back-office tasks within a few clicks and a quick demonstration.\n\n![uploaded image](/media/?type=post&id=79264&key=user_uploads/842820/08fef875-2fb5-427c-a017-7cf356bd6ed7)\n\n# **Where Basepilot can help you:**\n\n* **Sales** - To help automate sales outreach, prospecting, and follow-ups.\n* **Recruitment** - To help with sourcing candidates and clients, and analyzing and triaging profiles.\n* **Finance** - To help fill in applications/forms, transfer data, do accounting ops, and update customer details.\n* & any other manual task across your browser!\n\n# **Problem - 30% of a business’s total time and resources is wasted on mundane repetitive work**\n\nCurrently, businesses employ teams of knowledge workers (in sales, ops, recruitment, finance, and more) that face a lot of manual and repetitive processes that slow them down. Although critical to get done, these tasks take hours away from doing more high-value work leading to frustration and lower output among teams.\n\n**For a business, this results in:**\n\n* 30% of their team’s time wasted on mindless tasks\n* Wasted resources spent on hiring more people to handle the workload\n* Increased error rates through manual boring work\n\nFor example, a recruitment firm spends 8+ hours/week per recruiter on repetitive admin work to source candidates, analyze applications and enter data, instead of talking to candidates!\n\n![uploaded image](/media/?type=post&id=79264&key=user_uploads/842820/e1bb23d2-968a-4748-be21-d45be443f4f1)\n\n**Existing solutions suck!**\n\n* Off-the-shelf tools often don’t work as workflows are very specific to a company.\n* Automating processes with tools like UI Path is extremely expensive, requires specialist automation engineers and takes several weeks or months to set up.\n\n# **Solution - Automate repetitive tasks in minutes**\n\nBasepilot makes it super easy for a business to build and train their own AI employees, enabling anyone in the company to automate their mundane and repetitive work, freeing up time for more high-value tasks.\n\n\n\nWe designed Basepilot with these core principles in mind:\n\n* **Works where you work:** Basepilot works across the tools you already use right in your browser as a Chrome extension. No need to adopt new tools or change your workflows.\n* **Teach it like a human:** There’s no need to get technical or hire an expensive automation team, simply train your new assistant to complete work, just like you’d teach a human: by showing and telling.\n* **Faster ROI (at lower cost):** Automate workflows in minutes, not weeks or months. Unlike traditional automation tools, Basepilot can get set up and operational in a fraction of the time & cost.\n* **Keep control:** Basepilot operates in your tabs, allowing you to check in and see what’s happening in real-time while you focus on more high-value work, e.g. engaging in customer conversations while Basepilot sources new leads in the background.\n\n![uploaded image](/media/?type=post&id=79264&key=user_uploads/842820/ce3bce79-8335-4901-9c9d-b6cd949a410b)\n\n# **Meet Ken & Pascal 🇳🇿🇩🇪➡️🇺🇸**\n\n[**Pascal**](https://www.linkedin.com/in/pascal-wieler/) & [**Ken**](https://www.linkedin.com/in/ken-hendricks-96181611a/) both independently traveled to San Francisco in the summer of 2023 (from Germany & New Zealand respectively). We came here without knowing each other to explore the startup space and build the future 💪🏼🔨🚀. While in SF, we met through common friends, vibed well, and started working together. We moved across the world to work together in Europe, and got into YC - which brought us back to the city! Super grateful to be back! ❤️😍\n\n![uploaded image](/media/?type=post&id=79264&key=user_uploads/842820/58e95fa6-361d-4a33-8ddb-a2a1fedf1e26)\n\nWe were inspired by the new wave of AI capabilities and are passionate about unlocking more human creativity by automating away the processes we all absolutely despise!\n\n## **👋 Ask: How you can help**\n\n* Reach out if you have a mundane workflow that you’d wish to be automated! [**Email us here**](mailto:founders@basepilot.com) or if you have 10 minutes to chat, please book a time with us [**here**](https://calendar.app.google/GKNVb1A5DKcQ9qjV9).\n* Connect us to companies that employ large teams to do repetitive back-office tasks in your network (e.g. logistics, insurance, construction, etc.). [**Click here**](mailto:founders@basepilot.com).\n* Follow us on [**LinkedIn**](https://www.linkedin.com/company/basepilot) and [**Twitter/X**](https://twitter.com/basepilot) and join our [**Discord**](https://discord.gg/kdJGwfdJhG).\n\nBasepilot is currently in private beta, working closely with early customers. Email us to schedule a demo at [**founders@basepilot.com**](mailto:founders@basepilot.com) or book a time in our [**calendar**](https://calendar.app.google/GKNVb1A5DKcQ9qjV9). Looking forward to hearing from you!\n\nFor more details, visit [basepilot.com](https://www.basepilot.com/).", "url": "https://www.ycombinator.com/launches/KcS-basepilot-your-ai-employee-to-automate-repetitive-browser-work-in-minutes", "votes": 133, "created_at": "2024-03-11T17:25:32.460Z" } ] }, { "id": 29500, "name": "The New Money Company", "slug": "the-new-money-company", "former_names": [ "Workparty", "Fermata", "Numo" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/02bf32e1c7869c4a3a70d36bef72c5f5b93ad770.png", "website": "https://newmoneycompany.com", "all_locations": "San Francisco, CA, USA; Remote", "long_description": "The New Money Company protects invoices with insurance.\r\n\r\nWe help businesses expand to buyers in new markets or industries by offloading the risk of buyers not paying their bill.\r\n\r\nSupport number: +18889975745.", "one_liner": "Invoicing that pays you even if your buyer doesn’t", "team_size": 4, "industry": "Fintech", "subindustry": "Fintech -> Payments", "launched_at": 1710863729, "tags": [ "Fintech", "Payments", "B2B", "Insurance", "Enterprise" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2024", "status": "Active", "industries": [ "Fintech", "Payments" ], "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/the-new-money-company", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2024/the-new-money-company.json", "year_founded": 2023, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/newmoneycompany", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/02bf32e1c7869c4a3a70d36bef72c5f5b93ad770.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": 58508, "full_name": "Derrick Wolbert", "title": "Founder/CEO", "founder_bio": "CEO at The New Money Company. Previously built Hologram.com from zero to $20M ARR and closed a $65M Series B as head of revenue. In a previous life, Derrick built the embedded car computing platform used in Waymo vehicles. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/derrickwolbert", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/a23b5607836971de100bdc255ac84ea464c400a2.jpg" }, { "user_id": 1643519, "full_name": "Reuben Balik", "title": "Founder/CTO", "founder_bio": "Reuben is the CTO and co-founder of The New Money Company. Previously, he worked on the most difficult enterprise telecom integrations as the first engineer (and first employee) at Hologram.com. ", "is_active": true, "linkedin_url": "https://linkedin.com/in/reuben-balik", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1b33f28ca127ec0895b72526f8e41355885cb269.jpg" }, { "user_id": 1452570, "full_name": "Q Carlson", "title": "Founder/CPO", "founder_bio": "Co-founder, and CPO at The New Money Company. Early designer at Flexport (W14) 🚢 ✈️ 🚛 and Quizlet. VP Design at Hologram & project44.", "is_active": true, "linkedin_url": "https://linkedin.com/in/qcarlson", "x_url": "http://twitter.com/qcintheair", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c3ebab68c8796032c0986b8f07b3f2505f3cf29c.jpg" } ], "jobs": [], "news": [ { "title": "Cross-border fintech stands out in Y Combinator’s Winter 2024 cohort | TechCrunch", "url": "https://techcrunch.com/2024/04/05/cross-border-fintech-y-combinator-demo-day/", "date": "Apr 05, 2024" }, { "title": "YC’s Winter 2024 Demo Day confirms that we are indeed in an AI bubble | TechCrunch", "url": "https://techcrunch.com/2024/04/03/ycs-winter-2024-demo-day-confirms-that-we-are-indeed-in-an-ai-bubble/#:~:text=picked%20it%3A%20Alex-,Numo,-What%20it%20does", "date": "Apr 03, 2024" } ], "launches": [ { "id": 79553, "title": "Numo — Offshore banking & instant payments for global contractors", "tagline": "Meet Numo, filling the trust gap between businesses and international contractors by handling compliance, KYC, and payment.", "body": "# Numo is like upside-down Deel\n\n# TL;DR\n\n[Numo](https://numohq.com/) verifies and credentials global contractors and lets them earn and hold the USD they get from working for American companies. When they need to spend it, we transfer money instantly to their local bank account.\n\n**We launched last week, and have 105 contractors already live and onboarded on Numo, sending their first invoices.**\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/4a2d0978-bdb1-42d8-a223-5c8554db82a9)\n\n# Problem\n\n**Paying international contractors for short-term engagements is messy**. It’s full of remittance services whose brands are not conducive to trust or a professional environment and often look fraudulent to the uninformed. \\\n\\\n**For contractors, it’s even messier**. With expensive fees, slow transfer times, and fuzzy tax + compliance rules — we’ve seen our customers resort to funneling money through friends and families just to get paid. \\\n\\\nAnd the death blow for contractors is the hyperinflation many of their home currencies are experiencing. **Contractors work more every day for less money**. International contractors want to hold their funds in USD as long as they can, and then bring it back only when they need to spend.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/dd9fa8fc-a5f6-4452-840c-983c916dc798)\n\n# Solution\n\nSo we built Numo:\n\n1. Contractors can onboard and get verified, background checked, and launch their profiles.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/c7a8c8c3-c8e5-43b2-bb63-ca263a11ddbd)\n\n2. Every invoice they send via Numo to their clients is paired with their verified profile.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/ac16cb72-92bc-4a04-b8ed-fe2d6201e7b2)\n\n3. Their American clients get to pay the way they are most comfortable: ACH payment to a US bank account.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/a6370253-5288-4585-bc8d-545bacda9e58)\n\n4. Contractors can hold the USD they make stateside until the moment they need to spend it locally. They can transfer funds to their local account within 20 seconds without excessive fees.\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/224d13fc-c6ef-423f-8750-437d738673b6)\n\n ![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/de06e012-08e5-4ac3-8728-4c67339ae615)\n\n\n# We’re the team to build this\n\nWe all met working in the messy, terrible world of global telecom. We were the early operators at Hologram — a worldwide cellular network for IoT — taking the business from $0 to $20M ARR and through a successful Series B round.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/f8cd963f-353b-4bc5-8994-aaca6f3f0b83)\n\n_👆 The Numo team on the ground running onboarding events in Lagos, Nigeria._\n\n[Reuben Balik](https://www.linkedin.com/in/reuben-balik/) was the first engineer at Hologram. He led the integrations with some of the worst telco APIs from Verizon, Telus, Deutsche Telekom, and TIS into a unified SIM card platform.\n\n[Q Carlson](https://www.linkedin.com/in/qcarlson/) was the 2nd designer at Flexport and has crafted beautiful experiences in messy, hard industries like supply chain. He uses design to differentiate — attracting a premium for the product and accelerating growth.\n\n[Derrick Wolbert](https://www.linkedin.com/in/derrickwolbert/) ran the GTM team at Hologram from zero through Series B. Before Hologram, he navigated complex bureaucracy at Jeep/Chrysler, building the infotainment platform Waymo relies on in their vehicles.\n\n![uploaded image](/media/?type=post&id=79553&key=user_uploads/1452570/b005abd6-ee98-4c73-b11d-cb69a5067edb)\n\n_Numo founders in Dogpatch 👆_\n\n# \n\n# Ask\n\nAre you using international contractors in your business? Ask them to invoice you using [Numo](https://numohq.com)!\n\nWe’re live in Nigeria. With Kenya, South Africa, Vietnam, Thailand, Malaysia, and the Philippines coming very soon.\\\n\\\n—\n\nGet in touch with the team:\n\nDerrick Wolbert, CEO — derrick@newmoneycompany.com\\\nQ Carlson, CPO — q@newmoneycompany.com\\\nReuben Balik, CTO — reuben@newmoneycompany.com", "url": "https://www.ycombinator.com/launches/Kh7-numo-offshore-banking-instant-payments-for-global-contractors", "votes": 18, "created_at": "2024-03-20T19:48:11.544Z" } ] }, { "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. We’re not a broker, so we underwrite and issue policies directly, with fewer handoffs and less friction. Cutting out intermediaries lets us tailor coverage to how your company actually operates and price risk more efficiently.\r\n\r\n", "one_liner": "Corgi is building an AI financial infrastructure company", "team_size": 250, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1720644316, "tags": [ "Fintech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "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/corgi-insurance", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/corgi-insurance.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/corgiinsurance", "x_url": "https://x.com/usecorgi?s=21&t=bWzZJixuL1vsYJTaXZDfQg", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/corgi-80d7", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8f66899a62764756d799d5abc511dc4b46f8c151.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": 1424115, "full_name": "Nico Laqua", "title": "Founder", "founder_bio": "CEO/CTO of corgi - we do ai financial infrastructure. Pricing risk in the singularity is pretty cool. 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£65K GBP", "equity_range": "", "experience": "1+ years", "visa": "Will sponsor", "skills": [] }, { "id": 110844, "title": "(London) Account Executive", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/vY2hSgV-london-account-executive", "location": "London, England, GB", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "£45 - £70 GBP", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 110845, "title": "(London) Business Development Representative", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/VW4Hral-london-business-development-representative", "location": "London, England, GB", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "£45 - £80 GBP", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 111018, "title": "Head of Compute", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/sLGoBgG-head-of-compute", "location": "Chicago, IL, US / San Francisco, CA, US / New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Hardware", "salary_range": "$175K - $275K", "equity_range": "", "experience": "11+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112085, "title": "Head of Specialty Product & Underwriting", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/C2JPOMT-head-of-specialty-product-underwriting", "location": "Chicago, IL, US", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "$150K - $300K", "equity_range": "", "experience": "6+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 112148, "title": "Founding Account Executive - Netherlands", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/6OGi5I3-founding-account-executive-netherlands", "location": "London, England, GB / Amsterdam, North Holland, NL", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "€55K - €95K EUR", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 113088, "title": "Accounting Lead", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/7KDq91y-accounting-lead", "location": "New York, NY, US", "type": "Full-time", "role": "Finance", "role_type": null, "salary_range": "$100K - $140K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 113089, "title": "Marketing Associate", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/XiMhxNb-marketing-associate", "location": "Columbus, OH, US", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "$60K - $80K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 113090, "title": "Full Stack Engineer - New Product Line", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/MrPadBh-full-stack-engineer-new-product-line", "location": "New York, NY, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$100K - $160K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 113405, "title": "Business Development Representative", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/aCo3dRD-business-development-representative", "location": "Phoenix, AZ, US / Philadelphia, PA, US / Boston, MA, US / Salt Lake City, UT, US / San Francisco, CA, US / Dallas, TX, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$60K - $80K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 116801, "title": "Founding Engineer, Transportation", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/JEzeGBS-founding-engineer-transportation", "location": "Boston, MA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $225K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 117131, "title": "Account Manager", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/7o5TMzR-account-manager", "location": "Dallas, TX, US / Chicago, IL, US / Salt Lake City, UT, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$70K - $85K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 117263, "title": "General Manager Corgi Cafe", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/yg4b6qg-general-manager-corgi-cafe", "location": "New York, NY, US / San Francisco, CA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$70K - $80K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 117329, "title": "Marketing Lead (Operations Team)", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/FbiSXBL-marketing-lead-operations-team", "location": "London, England, GB", "type": "Full-time", "role": "Marketing", "role_type": null, "salary_range": "£50K - £80K GBP", "equity_range": "", "experience": "1+ years", "visa": "Will sponsor", "skills": [] }, { "id": 117417, "title": "Account Executive", "url": "https://www.ycombinator.com/companies/corgi-insurance/jobs/98uADco-account-executive", "location": "Philadelphia, PA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$90K - $230K", "equity_range": "", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "AI Insurance Startup Corgi Doubles Valuation To $2.6 Billion In Weeks", "url": "https://www.forbes.com/sites/richardnieva/2026/05/28/corgi-doubles-valuation/", "date": "May 28, 2026" }, { "title": "This AI Insurance Company With An All-Night Cafe And Cheeky Corgi Is Now A Unicorn", "url": "https://www.forbes.com/sites/richardnieva/2026/05/05/corgi-ai-unicorn/", "date": "May 06, 2026" }, { "title": "San Francisco coffee shop Corgi Cafe is run by an AI insurance startup", "url": "https://www.mercurynews.com/2026/04/28/this-bay-area-cafe-is-open-24-hours-a-day-its-owners-want-you-to-buy-ai-insurance/", "date": "Apr 28, 2026" }, { "title": "San Francisco coffee shop Corgi Cafe is run by an AI insurance startup", "url": "https://www.mercurynews.com/2026/04/28/this-bay-area-cafe-is-open-24-hours-a-day-its-owners-want-you-to-buy-ai-insurance/", "date": "Apr 28, 2026" }, { "title": "Startup insurer Corgi raises $108M at $630M valuation", "url": "https://www.axios.com/pro/fintech-deals/2026/01/08/startup-insurer-corgi-108-million-630-million-valuation", "date": "Jan 08, 2026" } ], "launches": [ { "id": 82043, "title": "Corgi Insurance", "tagline": "Corgi is the first insurance carrier built for startups and technology companies.", "body": "Corgi is a full-stack insurance carrier building better, faster insurance products for [startups](https://www.corgi.insure/startup-insurance). 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": 29661, "name": "Silurian", "slug": "silurian", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/264e2c359db5aaec1e0417e61bfa018c5458c3dc.png", "website": "https://silurian.ai/", "all_locations": "Seattle, WA, USA", "long_description": "Silurian is building foundation models for simulating Earth, starting with weather. From assessing the risk of wildfires to predicting the energy grid load, we provide an infrastructure layer for our planet. Our frontier models push the boundaries of what can be simulated on Earth and improve decision making across vital sectors including energy, insurance, agriculture, and logistics. \r\n", "one_liner": "Foundation models to simulate Earth, starting with weather.", "team_size": 6, "industry": "Industrials", "subindustry": "Industrials -> Climate", "launched_at": 1723594839, "tags": [ "Climate", "Insurance", "Agriculture", "Energy", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "Industrials", "Climate" ], "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/silurian", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/silurian.json", "year_founded": 2024, "city": "Seattle", "country": "US", "linkedin_url": "https://www.linkedin.com/company/silurianai", "x_url": "https://twitter.com/SilurianAI", "fb_url": null, "cb_url": null, "github_url": "https://github.com/silurian-ai/", "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/264e2c359db5aaec1e0417e61bfa018c5458c3dc.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1974056, "full_name": "Jayesh K. Gupta", "title": "Founder/CEO", "founder_bio": "Jayesh is Co-founder and CEO of Silurian AI. Previously he was the Head of AI at Poly Corporation. He led the development of the first foundation model for weather & climate as researcher at Microsoft and was the co-author of Aurora. Jayesh holds a Ph.D. in CS from Stanford.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jayeshkg/", "x_url": "https://x.com/rejuvyesh", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/3b2c8dc753ea95bb3e34ce4114e9431fea3cdea4.jpg" }, { "user_id": 1988161, "full_name": "Nikhil Shankar", "title": "Founder", "founder_bio": "Nikhil is a co-founder and chief engineer at Silurian AI. Previously he was a software engineer at AWS SageMaker and prior to that he dropped out of his PhD in applied mathematics where he was working on problems in fluid dynamics.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/nikhil-shankar-3090131b7/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9dc04e3799ba4d8f4545296148cba73d66480079.jpg" } ], "jobs": [ { "id": 81736, "title": "Machine Learning Research Engineer / Scientist", "url": "https://www.ycombinator.com/companies/silurian/jobs/eexfBWN-machine-learning-research-engineer-scientist", "location": "Seattle, WA, US", "type": "Full-time", "role": "Engineering", "role_type": "Machine learning", "salary_range": "$120K - $250K", "equity_range": "0.25% - 1.00%", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [ { "title": "AI Startups Urge Congress to Preserve Access to Weather Data", "url": "https://www.riskmarketnews.com/ai-startups-urge-congress-to-preserve-access-to-weather-data/", "date": "Jul 21, 2025" }, { "title": "Startup radar: Early stage tech companies making moves in Seattle – GeekWire", "url": "https://www.geekwire.com/2024/startup-spotlight-early-stage-tech-companies-making-moves-in-seattle/", "date": "Oct 25, 2024" }, { "title": "9 startups that stood out on YC Demo Day 2 | TechCrunch", "url": "https://techcrunch.com/2024/09/26/9-startups-that-stood-out-on-yc-demo-day-2/", "date": "Sep 26, 2024" } ], "launches": [ { "id": 83141, "title": "Silurian - Simulate the Earth", "tagline": "Foundation models for simulating Earth, starting with weather. ", "body": "# **The Problem**\n\nEvery day, crucial decisions are made based on outdated geospatial simulations. \n\nInsurance companies guess more than they would like about hurricane risks. Airports can't predict tomorrow's delays, let alone next week's. Meanwhile, utilities are crossing their fingers every heatwave that the grid won't collapse.\n\nEarth’s simulation infrastructure needs an upgrade.\n\n# **The Solution**\n\n![uploaded image](/media/?type=post&id=83141&key=user_uploads/1992622/3f194f0b-cfe1-4af7-a41a-e12d0d081aa7)\n\nToday, [Silurian](https://silurian.ai/) is announcing the launch of GFT (Generative Forecasting Transformer), a 1.5B frontier model that simulates global weather up to 14 days ahead at approximately 11km resolution with unprecedented accuracy. Our model outperforms numerical weather prediction systems from the American (NOAA) and European (ECMWF) agencies by up to 30% across multiple variables. \n\nRemember Hurricane Beryl? In a simulation (shown above) run on the 1st of July, GFT correctly predicted that the hurricane would hit Texas. In contrast, the NOAA and ECMWF models wrongly predicted a landfall in Mexico, as [The New York Times](https://www.nytimes.com/interactive/2024/07/29/science/ai-weather-forecast-hurricane.html) recently reported. \n\nGFT is immediately available to our customers via our **Artificial Planetary Intelligence (API)**. The API allows users to easily query our models at any location on Earth, and it will become publicly available in the next few weeks. \n\n![uploaded image](/media/?type=post&id=83141&key=user_uploads/1992622/aadb6eff-4273-443f-abab-ff9244da3dcf)\n\nGFT is only the beginning. We are working towards state-of-the-art simulation infrastructure for verticals such as energy, climate, and agriculture.\n\n# **Team**\n\nWe are a team of scientists and engineers with years of experience in building large-scale AI simulations at Microsoft Research and Google Brain. Our work on weather and atmospheric chemistry simulations at Microsoft has been featured in [Nature](https://www.nature.com/articles/d41586-024-01677-2), [Bloomberg,](https://www.bloomberg.com/news/articles/2024-06-25/from-trump-to-ai-bill-gates-sees-climate-impacts-for-the-world) and [The Wall Street Journal](https://www.wsj.com/tech/ai/ai-is-learning-to-predict-the-weather-8968fa7c?st=d0o2so2v9r14bf2&reflink=desktopwebshare_permalink).\n\n![](https://lh7-rt.googleusercontent.com/docsz/AD_4nXd9eEb9mwTRMRPXQpJ6vkWtFRoUpGCc5sXpXIukdbAGyLsmWCAoqAKCOwXLbWfQZuFuGxg4Mu6qNyRHpIsoRKYlhDbnr8Qx0XCnUl26oa_T2ftzOsL4W3BijCebKj6OXA4oUoXWDnrqjJnqDIvGJz-SP5RL?key=P6HArdzTsIyNOARHbY8cEw)\n\n# **Our Ask**\n\nDo you want to talk about the weather? Reach out to us at [founders@silurian.ai](mailto:founders@silurian.ai)! ", "url": "https://www.ycombinator.com/launches/Lcz-silurian-simulate-the-earth", "votes": 46, "created_at": "2024-08-16T23:09:17.361Z" } ] }, { "id": 29712, "name": "Benchify", "slug": "benchify", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/aa52a1a9c842c1d4e04662a2a7d816a9091d88c6.png", "website": "https://www.benchify.com", "all_locations": "San Francisco, CA, USA", "long_description": "Benchify provides an execution layer for healthcare contracts, applying contract logic across audits, claim processing, and optimization. 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Prior to Benchify, Juan bought and sold a business for 5x MOIC, created MVPs for 9+ clients as a UI/UX designer, devised GTM strategy at Instawork (Series C), initiated a growth product team at Klaviyo (pre-IPO), and advised on due diligence transactions at McKinsey & Company. Juan studied Economics and Human-centered design at Dartmouth and holds an MBA from MIT Sloan.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/juan-castano97/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/1643d6d250cb2ac2cc93e0943b32a923467002fa.jpg" }, { "user_id": 1661865, "full_name": "Max von Hippel", "title": "Founder/CTO", "founder_bio": "Max von Hippel holds a PhD in Computer Science from Northeastern University, focused on security and interactive theorem proving. Before that, he completed a BS in Pure Mathematics at the University of Arizona. But most importantly, he holds a Blue Belt from 10th Planet Jiu Jitsu. Max grew up in Anchorage Alaska and is deeply passionate about software assurance (who isn't?).", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/max-von-hippel-3b90742a8/", "x_url": "https://www.x.com/maxvonhippel", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/440e7dcc42e7f22354584acbb0e5d4bc626f742d.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 94193, "title": "Benchify: Instant self-healing codegen", "tagline": "Fix & bundle your generated code at lightspeed", "body": "### **TL;DR**\n\nBenchify handles the middle mile of codegen ensuring that generated code just works and is instantly executable. It’s a one-line SDK call between LLM clients and sandboxes to deliver instant code repair, accelerated bundling, and observability.\n\n### **Who**\n\nAnyone depending on non-human-in-the-loop codegen: – app builders, dynamic websites, agents, etc.\n\n### **Problem**\n\nGenerated code breaks — constantly.\n\nOn top of normal bugs like duplicate function calls, parse errors, or missing or extra parens, AI systems introduce new ones, such as stray tool calls, /\\* rest of code goes here \\*/, and malformed diff applications. Running that code inside sandboxes only compounds the pain: every piece has to be perfect for execution to succeed, and the sandbox boot time delays the inevitable. Since all the sandboxes are just firecracker VMs designed to run anything, they’re not optimized for the common workflows builders actually care about. The result is slow setup, fragile execution, and painful feedback loops.\n\n* **Missed errors**: Users hit error screens as soon as code loads in the browser. \n* **Delayed generations**: LLM-based auto-healing stretches generation times, slowing iteration.\\\n **Token burn**: Edge-case failures trigger endless retries that chew through tokens without progress.  Often bugs are inherently out-of-distribution and thus hard to fix with AI.\n* **Setup lag**: Sandboxes take 30-120s to boot before code even runs, adding cold-boot lag to the rep-cycle when there’s an error.\n* **Lost data:** Sandboxes don’t easily track errors and the errors or only show the first (breaking) bug, making it hard to detect all the errors in code at once to push improvements \n* **Templates:** The use of templates speeds up sandboxes but leads to even more brittleness as the template has to be in perfect lockstep with the codegen.\n\n \n\n### **Solution**\n\nBenchify combines **non-AI techniques** (static analysis + program synthesis) with **highly optimized infrastructure** to deliver _turn-key code_ — fixed and bundled — in O(1 second).\n\nIt drops in as a **one-line SDK call** between your LLM client and the sandbox. If you’re only doing front-end work, you can skip the sandbox entirely and render directly from Benchify’s bundled output.\n\n![uploaded image](/media/?type=post&id=94193&key=user_uploads/1661832/dcd85900-d61c-47e4-b71e-0ef6244e5fd0)\n\n**Code Repair**: Sub second fixes for parsing, dependency, CSS/Tailwind, type, and interaction errors (e.g. empty-Select) with more on the way. If there’s an issue you’re running into, let us know and we can add a fix!\n\n![uploaded image](/media/?type=post&id=94193&key=user_uploads/1661832/5d3a354c-69ee-4f5c-8437-0d0360f28874)\n\n**Bundling**: Build and dependency resolution in 1-3s.\n\n* _Front-end_: Returns code that instantly renders on client via our SDK.\n* _Full-stack_: Bundles code that executes in any sandbox (skipping slow dependency & build steps) — the only delay left is sandbox cold boot.\n\n![uploaded image](/media/?type=post&id=94193&key=user_uploads/1661832/10606bbc-8df4-43f8-a574-aa9f0bd97d26)\n\n**Observability**: Analytics on error patterns in generated code.\n\n**Product Demo** \n\nhttps://youtu.be/my7yzpp8AqY\n\n### **How it works**\n\nBenchify’s analysis engine detects bugs and dispatches them to a growing library of static repair strategies in a fraction of a second. Strategies are optimized for different bug types, and layered using an incremental parsing approach, since sometimes fixing one bug unlocks others.  Each candidate fix is re-analyzed, with the best one selected automatically provided it yields a strict improvement in the code.  The architecture builds on prior research in _program synthesis_ and _program repair_, where the idea is to have a collection of strategies that may or may not work at fixing different bug types, combined with an analysis and execution engine that can efficiently determine whether or not a strategy succeeded.\n\n### **Story**\n\nWe entered YC with a formal-methods-driven code review product. But unreliable LLM-generated test harnesses kept breaking it. Talking with builders made it clear: **the real bottleneck was brittle codegen itself.** We pivoted to focus entirely on making generated code self-healing.\n\n### **Ask**\n\nWe’re focused on app builders today, but our core tech generalizes: agents, self-updating sites, programmatic ads, and more.\n\nIf generated code is slowing you down, let’s talk.", "url": "https://www.ycombinator.com/launches/OVF-benchify-instant-self-healing-codegen", "votes": 36, "created_at": "2025-09-29T17:06:35.366Z" }, { "id": 83014, "title": "Benchify: Automatic code reviews that work", "tagline": "Better testing without writing tests.", "body": "![uploaded image](/media/?type=post&id=83014&key=user_uploads/1661832/cb65a61c-fa84-4ccf-a1d5-2f6bf33b88fa)\n\n# TL;DR\n\n[Benchify](https://www.benchify.com/) is a code review tool that uncovers real bugs by actually running your code on strategically generated inputs, using methods typically restricted to rocket science and chip design.  When errors are found, Benchify provides verified bugs, unit tests, and a patch (coming soon).\n\n# The problem\n\nEngineers (like you) spend almost half their time testing and debugging, which, let’s be honest, they’d rather spend doing literally anything else.\n\n* **Lower velocity:** Projects are delayed by testing & debugging\n* **Site outages:** Despite all the effort, critical errors slip through, leading to site outages and other failures\n* **Low test coverage:** Developing exhaustive tests is nearly impossible and generally put off for later…\n* **Shallow test depth:** Testing is limited to a few hard-coded cases\n\n# The solution\n\n![uploaded image](/media/?type=post&id=83014&key=user_uploads/1661832/ed5d818b-cba4-41cf-9ca7-f9b9ca419737)\n\nWe test your code using _magic_ (ok, formal methods) and deliver the results in an actionable comment on your PR.\n\n* **Automatic logical blueprint:** Benchify automatically writes a blueprint that says how your code is intended to function\n* **Run thousands of tests:** Benchify tests your code against the blueprint using thousands of strategically generated inputs\n* **Provide counterexamples:** Concrete, minimal counterexamples are provided when code fails so you can easily debug\n* **Generate unit tests:** We automatically translate counterexamples into unit tests for easy reproducibility and test-driven development\n* **Propose solutions:** When Benchify detects an error, it attempts to propose a solution, which it subjects to the same battery of tests as the original code\n\n## Does it work?\n\nThe testing techniques Benchify uses are typically leveraged for mission critical use cases, such as silicon chip design, rocket engineering, and high-speed trading. Our secret sauce is in making these techniques usable and actionable. \n\n# The Team\n\n![uploaded image](/media/?type=post&id=83014&key=user_uploads/1661832/09a8c140-f845-4f96-9113-6daac4963be2)\n\nMax and Juan first met as bright-eyed freshmen at Dartmouth College almost a decade ago and have been fast friends and on-and-off roommates since.  They’re deeply passionate about software assurance (who isn’t?) and excited to test your code.\n\n* [**Max**](https://www.linkedin.com/in/max-von-hippel-3b90742a8/) holds a PhD in Computer Science from Northeastern University, focused on security and interactive theorem proving. He has worked at NASA, the DoD 😉, and Galois. Most importantly, he holds a Blue Belt from 10th Planet Jiu Jitsu. \n* [**Juan**](https://www.linkedin.com/in/juan-castano97/) built and sold a business, helped companies like Instawork and Klaviyo grow, and advised on deals at McKinsey. Juan double-majored in Economics and survival skills at Dartmouth (okay, the second one isn’t official), and later picked up an MBA from MIT, where he unfortunately missed out on a chance to test his skills with the [pirate certificate](https://physicaleducationandwellness.mit.edu/about/pirate-certificate/).\n\n# Asks\n\n* Hop on a [call](https://calendly.com/d/cpyy-ffc-ynf/juan-max-30-min) with us to try out Benchify or talk about your frustrations with software testing\n* [Try out](http://www.benchify.com) our beta code reviewer and give us feedback\n* Shoot us an email at [hello@benchify.com](mailto:hello@benchify.com) with your biggest backend software testing pain points, and we’ll see if we can help out!", "url": "https://www.ycombinator.com/launches/Law-benchify-automatic-code-reviews-that-work", "votes": 45, "created_at": "2024-08-13T23:22:03.337Z" } ] }, { "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. Trusted by companies ranging from mid-market to Fortune 500.", "one_liner": "AI-native claims software and administration for casualty claims", "team_size": 14, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1721172901, "tags": [ "Health Tech", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 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/brighterway", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/brighterway.json", "year_founded": null, "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/4c3ccc32c3cef12a79c45aceb7aa532c954f0602.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": null, "founders": [ { "user_id": 1157448, "full_name": "Walker Wells", "title": "Founder/COO", "founder_bio": "Before Brighterway, Walker studied Statistics and Data Science at Yale University. 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": 29793, "name": "RiskAngle", "slug": "riskangle", "former_names": [ "Flyte.ai", "Zephr", "Zephr (Flyte AI, Inc)", "Zephr", "Risk", "Zephr" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/54a02285653f46a282f6b715527aa06ce8d9cd0d.png", "website": "https://www.riskangle.com/", "all_locations": "San Francisco, CA, USA", "long_description": "RiskAngle delivers fast, accurate summaries of unstructured medical records for insurance companies and law firms. Our AI-powered platform enables users to streamline underwriting, expedite claims processing, and prepare cases with confidence.", "one_liner": "AI medical summaries in minutes", "team_size": 2, "industry": "B2B", "subindustry": "B2B", "launched_at": 1721862703, "tags": [ "SaaS", "B2B", "Legal", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2024", "status": "Inactive", "industries": [ "B2B" ], "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/riskangle", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/riskangle.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/riskangle", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/54a02285653f46a282f6b715527aa06ce8d9cd0d.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": 1360788, "full_name": "Bill Chen", "title": "Founder", "founder_bio": "Born in Shanghai and raised primarily in Vancouver, Canada, Bill earned his bachelor's degree in Computer Science from Columbia University. ", "is_active": false, "linkedin_url": "https://linkedin.com/in/billchen99", "x_url": "https://x.com/bill_gy_chen", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/4509546e3aa48756222818f4ba150951c056563a.jpg" }, { "user_id": 1957719, "full_name": "William Hu", "title": "Founder", "founder_bio": "Startups @ Anthropic! Previously founded RiskAngle (acquired in 2025).", "is_active": false, "linkedin_url": "https://www.linkedin.com/in/william-hu/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/c3dbfb17cc82a9304233be8f735925438839673f.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 29850, "name": "SureBright", "slug": "surebright", "former_names": [ "SureBright Technologies, Inc." ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/786573119daa04ca85d28b00e8358a03f4e0a184.png", "website": "https://surebright.com/", "all_locations": "New Delhi, DL, India", "long_description": "SureBright lets e-commerce merchants embed \"Apple Care” like product warranties into their checkout flows in less than 10 minutes. Our AI-powered warranty platform generates incremental revenue and boosts customer loyalty at zero cost to the merchant.\r\n\r\nSanket led engineering at PolicyBazar, an insurance tech company that IPOed and is valued at over $8B. Manish worked at Amazon and has built $100M ARR products, handling over 180B requests per day.\r\n\r\nUntil now, finding the right policy for any product and pricing it at the right price wasn’t possible at scale. We automated this process using LLM and have unlocked a $50B+ opportunity. Each month, over 5 million consumers view SureBright warranty offers.", "one_liner": "Apple Care-like warranty program for every retailer ", "team_size": 35, "industry": "B2B", "subindustry": "B2B -> Retail", "launched_at": 1720298517, "tags": [ "E-commerce", "Insurance", "Retail", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2024", "status": "Active", "industries": [ "B2B", "Retail" ], "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/surebright", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2024/surebright.json", "year_founded": 2022, "city": "New Delhi", "country": "IN", "linkedin_url": "https://www.linkedin.com/company/surebright/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/786573119daa04ca85d28b00e8358a03f4e0a184.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": 456731, "full_name": "Manish Chauhan", "title": "Founder/CEO", "founder_bio": "Manish is the CEO and co-founder of SureBright. He holds an MBA from INSEAD (France) and an MMath (CS) from the University of Waterloo, where he researched and published on low-latency real-time systems.\n\nHe has previously worked at Amazon and startups like Applyboard, where he built products handling over 180 billion requests per day, contributing to $100M+ in ARR.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/manishchauhan01/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/f8a34d34f90327d47e20a918330d5d8726dd7e40.jpg" }, { "user_id": 2121684, "full_name": "Sanket Munjal", "title": "Founder", "founder_bio": "CTO & Co-Founder @ SureBright. Led Engineering at an InsurTech, PolicyBazaar.com that went public (8Bn USD). 2x Founder. Ex-Philips, Ex-Samsung", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sanketmunjal/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/39f5e88c713910c3d4d016b1fdd9b6c5c4690957.jpg" } ], "jobs": [ { "id": 116999, "title": "Senior Product Manager", "url": "https://www.ycombinator.com/companies/surebright/jobs/mdSidh6-senior-product-manager", "location": "Gurugram, HR, IN / Gurugram, Haryana, IN / DL, IN / Delhi, IN", "type": "Full-time", "role": "Product", "role_type": null, "salary_range": "₹2M - ₹5M INR", "equity_range": "0.20%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "AI Agents", "Generative AI" ] } ], "news": [], "launches": [ { "id": 83656, "title": "SureBright: Offer your own Apple Care-like warranty program in 10 minutes!", "tagline": "We enable e-commerce merchants and companies to offer insurance products like product warranties and shipping insurance with zero time and resource investment.", "body": "**tl;dr: Embedding these insurance products generates additional revenue, protects customers, and boosts customer loyalty at zero cost. And it’s as easy as signing up for Facebook if you still remember that!** 😉 — [**_Talk to us._**](https://meetings.hubspot.com/manishchauhan/discussion-booking-extended-hours)\n\n_—_\\\n\\\nHello, everyone! We are Manish and Sanket (right to left), the team behind SureBright. We started our professional journey together with our first job at Samsung Research Institute 14 years ago. \\\n\\\n[**Manish**](https://www.linkedin.com/in/manishchauhan01/) **(CEO)**, a graduate of the University of Waterloo (MMath, CS) and INSEAD (MBA), has developed products for industry giants like Amazon and serves on the board of the InsurTech Association. [**Sanket**](https://www.linkedin.com/in/sanketmunjal/) **(CTO)** has led engineering departments at insurtechs such as Policy Bazaar, which has become a household name in India. Together, we bring 25 years of combined experience in insurtechs, startups, major tech companies, and business.\n\n![uploaded image](/media/?type=post&id=83656&key=user_uploads/456731/48122b44-2e46-4967-8d6f-81c645ca259d)\n\nWarranty and insurance distribution in e-commerce has seen minimal change, with the industry evolving slowly. At Surebright, we're on a mission to revolutionize this by leveraging the latest advancements in generative AI. Our platform enables US and Canadian merchants to seamlessly integrate Apple Care-like warranty programs for any eligible product, from ovens to bikes. We achieve this with nearly zero onboarding and operating costs, allowing merchants to offer these warranties in just minutes across any sales channel.\n\n![uploaded image](/media/?type=post&id=83656&key=user_uploads/456731/62878cfc-f33a-4731-82c6-022f2614970f)\n\n### **What is the problem? ❌**\n\nThe cost of offering product warranties is exponentially high for merchants and insurers. As it follows,\n\n1. **Resource-Intensive Integration:** Merchants must create a file transfer-based system to integrate with insurers. Additionally, they need to develop internal tools to apply the correct warranty plans to products, build custom UIs, and manage data collection, sharing, and tracking to meet both insurer and regulatory requirements. This entire process can take **six months to a year to go live**.\n2. **Recurring Additional Work:** Maintaining integrations and tools requires dedicated engineering teams. Running the warranty program also requires dedicated time from the operation team. This usually requires **additional hiring**.\n\nBelow is what the current merchant landscape looks like,\n\n![uploaded image](/media/?type=post&id=83656&key=user_uploads/456731/0e70aa2b-9c2e-41d7-bc6d-6b292f383590)\n\n### **How is SureBright Solving these problems? 🎉**\n\nSureBright’s **warranty program runs on auto-pilot**, empowering merchants of all sizes and providing the following key benefits:\n\n1. **99% less onboarding time, no onboarding or operating costs**, and no recurring tasks or hiring required. Our end-to-end automated solution ensures you never worry about the warranty program.\n2. **Cover any product** under warranty and offer other insurance products, such as Shipping Insurance, without lifting a finger.\n3. **Enjoy the highest warranty conversions** in the industry, averaging around 20.2%.\n\n**With these benefits, we help merchants boost their bottom line** by up to 12% through warranty margin share. Offering warranties also increases customer trust in the brand, leading to 15.6% more conversions and a 14% increase in Average Order Value. In addition, customers get a better post-purchase experience, resulting in more repeat customers and fewer negative reviews.\n\n### **The “aha” moment? 🎯🧠🧨**\n\nWe began our journey to help smaller merchants (<$100M in sales) offer warranties. But, within 3-4 months of going live, we began attracting interest from larger merchants. **The “aha” moment came when Insurance companies started utilizing our platform for their customers.** This was a pivotal moment, leading us to develop SureBright as the Stripe for embedded e-commerce insurance products.\n\nToday, our customers include a diverse range of merchants and marketplaces with $0.5M to $1B in sales, insurance companies, tech firms involved in consumer product purchase journeys (such as Buy Now Pay Later), warranty management companies, and other insurtechs.\n\nYou can explore our consumer journey with partners such as [**Blackstone**](https://blackstoneproducts.com/products/blackstone-pizza-oven)**, **[**Magnum Bikes**](https://magnumbikes.com/products/magnum-pathfinder-t)**, **[**WalkingPad**](https://www.walkingpad.com/products/walkingpad-c2-foldable-walking-machine)**, and Street Cred Capital (BNPL).**\n\n### **How can you help? 🙏**\n\nIf you know any merchant, marketplace, or company participating in the consumer purchase journey, such as Buy Now Pay Later and Checkout Management Companies, please make the introduction. We and they will both be very thankful! Email: [manish@surebright.com](mailto:manish@surebright.com) or [**_BOOK A CALL DIRECTLY WITH US._**](https://meetings.hubspot.com/manishchauhan/discussion-booking-extended-hours)", "url": "https://www.ycombinator.com/launches/LlI-surebright-offer-your-own-apple-care-like-warranty-program-in-10-minutes", "votes": 19, "created_at": "2024-09-01T21:55:28.371Z" } ] }, { "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": 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": 30453, "name": "Parsewise", "slug": "parsewise", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/7f1c0c72a7f623d3b80ce3fbde35d6d196e31e5c.png", "website": "https://parsewise.ai", "all_locations": "London, England, United Kingdom", "long_description": "Parsewise provides multi-document processing and analysis that you can embed in your own product.\r\n\r\nOperations teams use our platform for oversight and control over their fleet of AI agents, and our MCP to make Claude work at scale with traceability.\r\nTech teams use our API to replace complex processing pipelines resolving values across documents.\r\n\r\nWe help customers assess complex risk at scale: manage casualty, specialty, KYC, and financial risks, so teams can act faster and defend their decisions with confidence.", "one_liner": "Multi-document processing for your risk teams, AI agents, pipelines", "team_size": 6, "industry": "B2B", "subindustry": "B2B", "launched_at": 1745096268, "tags": [ "Documents", "Finance", "API", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Spring 2025", "status": "Active", "industries": [ "B2B" ], "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/parsewise", "api": "https://devasheeshg.github.io/yc-api/batches/spring-2025/parsewise.json", "year_founded": 2024, "city": "London", "country": "GB", "linkedin_url": "https://www.linkedin.com/company/parsewise", "x_url": "https://x.com/parsewise", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/parsewise", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/7f1c0c72a7f623d3b80ce3fbde35d6d196e31e5c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/ce5c8bcf5ae259dd9fc9ee95f9b1aad22f751e20.png", "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/008597abe694b4661688d888a0b0b50e2a0fb91a.png" ], "primary_partner": { "name": "Nicolas Dessaigne", "url": "https://www.ycombinator.com/people/nicolas-dessaigne" }, "founders": [ { "user_id": 1723779, "full_name": "Max Hofer", "title": "Founder/CEO", "founder_bio": "On a mission to end data monkey work. \nFormer Bain consultant with deep expertise in enterprise data workflows and a PhD in applied ML.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/mwhofer/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9b31762b1842413440fc93f48220dba18019a750.jpg" }, { "user_id": 1910315, "full_name": "Greg Csegzi", "title": "Founder/CTO", "founder_bio": "Bridging reliability for AI driven extractions.\nEx-Palantir, experience in life sciences, insurance, manufacturing", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gergely-csegzi-553b1aa5", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/549bea3c58990168865b1ba6d92a2e2869e8a673.jpg" } ], "jobs": [ { "id": 79985, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/parsewise/jobs/rgv8l5D-founding-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80K - £100K GBP", "equity_range": "0.50% - 1.00%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [] }, { "id": 95780, "title": "Forward Deployed Engineer", "url": "https://www.ycombinator.com/companies/parsewise/jobs/F27C7eN-forward-deployed-engineer", "location": "London, England, GB", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "£80K - £100K GBP", "equity_range": "0.50% - 1.00%", "experience": "3+ years", "visa": "US citizenship/visa not required", "skills": [ "Amazon Web Services (AWS)", "Python", "React", "Terraform", "AI Agents" ] } ], "news": [], "launches": [ { "id": 101959, "title": "Parsewise - API for agentic multi-document processing", "tagline": "Give your apps full value provenance for reasoning across documents!", "body": "Hello from Greg, Max and the Parsewise team! 👋\n\n# **TL;DR**\n\n[Parsewise](https://www.parsewise.ai/api?utm_source=launchyc&utm_medium=referral&utm_campaign=api_launch) turns multiple documents into a single structured response. Cross-document entity linking, contradiction detection, bounding boxes and UI toolkit to show it all included.\n\n[See it live!](https://www.youtube.com/watch?v=F1cSuZal03s)\n\n**The Problem**\n\nToday, you have to build and maintain complex document processing pipelines with changing business rules. You parse, classify, and rely on structured responses from LLMs or IDP tools (e.g., Reducto) to get individual extraction results that you piece together with other bits of information. There’s no reliable way to catch when information contradicts itself, which is risky. Finally, you build a custom verification UI for your operations team to deal with LLM mistakes.\n\n**The Solution**\n\nWe provide an API to abstract all that away into a single call. You provide multiple documents and the desired output to get back a response with resolved values, flagged contradictions, and full traceability across documents / pages that you can display in your own app.\n\n![uploaded image](/media/?type=post&id=101959&key=user_uploads/1910315/a837442e-b7af-4113-acfd-699fc5074dff)\n\n**Get Started**\n\n=======================================================\n\n  Sign up with free credits: [https://www.parsewise.ai/get-started](https://www.parsewise.ai/get-started?utm_source=launchyc&utm_medium=referral&utm_campaign=api_launch)\\\n  (use the [Agents.md](https://api.parsewise.ai/AGENTS.md) for a 1m integration)\n\n=======================================================\n\n**Story Time**\n\nWhy are we working on this, how we got to where we are, who we are working with, and where we are headed.\n\nGreg was at Palantir trying to make sense of various Japanese insurance documents and realizing that any processing pipeline built around it was highly custom, time-consuming, and brittle. Max was on the human operator side at Bain & Co, realizing that the technology was being held back due to a trust problem.\n\nWe realized that there is this powerful new capability for general reasoning (and thus processing). Models are getting extremely good at interpreting complex documents (shout-out to the Gemini model family) and perform better than most OCR-type solutions on the market.\n\nSo we set out to build the layer that comes on top:\\\n1\\. Provide mapping from user intent to a dynamic ontology\\\n2\\. Use the now-abundant intelligence to reason across documents to get to the right results\\\n3\\. Provide the provenance trace and validation UX that is required in many use cases\n\nWe are working with leading customers, both small and large, like UBS, Compre Group, Thinksurance, and more. They rely on Parsewise to streamline submission intake, claim portfolio risk assessment, etc., for both API based integrations and operational workflows.\n\nWith this launch, we are inviting developers to build more reliable and delightful workflows around their unstructured data processing. As we scale, we are excited to be helping with the end-to-end integration and deterministically filling forms, mapping to 3rd party APIs and web portals.\n\n\\\nSee more at [https://www.parsewise.ai/api](https://www.parsewise.ai/api?utm_source=launchyc&utm_medium=referral&utm_campaign=api_launch)\n\n![uploaded image](/media/?type=post&id=101959&key=user_uploads/1910315/97f9bee1-d6f5-42ee-ab1f-14f178b5b826)\n\n", "url": "https://www.ycombinator.com/launches/QWV-parsewise-api-for-agentic-multi-document-processing", "votes": 6, "created_at": "2026-05-26T14:44:21.064Z" }, { "id": 90400, "title": "Parsewise: Extract Validated Data from Complex Documents 🔬", "tagline": "Turn complex documents into validated information that business users can trust.", "body": "Hi everyone, we’re [Max](https://www.linkedin.com/in/mwhofer/) and [Greg](https://www.linkedin.com/in/gergely-csegzi/), and we’re building [Parsewise](https://parsewise.ai/) 👋\n\n👉🏻 Watch the video: https://youtu.be/ZFNH0M6Q3fw\n\n**❌ The Problem**\n\nBusiness experts waste hours each week on **manual, repetitive data tasks**. Extracting and validating information from complex documents is slow and error-prone. As a result, analytics, benchmarking, and reporting **processes are brittle and expensive**.\n\n**Current AI solutions** like ChatGPT are black boxes that generate **unreliable outputs**. Intelligent document processing tools require technical expertise, resulting in limited productivity gains.\n\n**The data monkey era is over!** We believe that business experts have struggled with complex documents long enough. We 10x their productivity while improving the quality of their outputs.\n\n**✅ The Parsewise Solution**\n\nParsewise extracts trusted information from complex documents, supported by these core features:\n\n* **End-to-end Traceability**: We trace every single output (text, number, date, etc.) to its exact source and highlight it with bounding boxes. _No more black boxes._\n* **Granular Human Control**: Business experts directly review and modify data extraction logic and consistency check strategies. _No more re-prompting._\n* **Exhaustive Processing**: Our agents exhaustively parse data, proactively flagging issues. _No more second-guessing._\n\n👉🏻 Parsewise is easy to use: https://youtu.be/69kEn5cYbvA\n\n**💬 What Our Users Are Saying**\n\n_“We have cut the analysis process from weeks to days, and most importantly, we have more confidence in the results than before.”_\n\n* Head of Family Office\n\n_“The processing took a while, but the results are perfect. We ran the same test with Snowflake’s Document AI, and it was frankly disappointing.”_\n\n* Lead Data Analyst at a Large Asset Manager\n\nWe have helped **cut week-long processes relying on parsing complex documents into hours**.\n\n**🤝 The Team**\n\nWe met studying CS at Oxford University in 2017.\n\n**Max (CEO)**: Ran his first business at 12, founded a data science consultancy next to his PhD, and conducted >20 PE due diligence projects at Bain. BSc, MSc, and PhD in CS and Econ.\n\n**Greg (CTO)**: Built the earliest production AI use cases at Palantir, with top project conversion, working in life sciences and insurance, having been deployed to 6 countries. Ask me about parsing manga-style insurance documents 😉\n\n**🚀 Call to Action: Free a Data Monkey**\n\nWe’re **live with pilot customers**, looking to **free more human data monkeys** of their lousy work!\n\nThe most relevant industries and teams are:\n\n* Industries: Investment management, reinsurance, life sciences\n* Teams: Risk & compliance, analytics, data & AI engineers\n\nContact us at [founders@parsewise.ai](mailto:founders@parsewise.ai) for more information and a demo.", "url": "https://www.ycombinator.com/launches/NW4-parsewise-extract-validated-data-from-complex-documents", "votes": 81, "created_at": "2025-05-14T17:25:55.072Z" } ] }, { "id": 30596, "name": "Adaptional", "slug": "adaptional", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/8ea52a7c833e951c693eafd9561453164d5bf74c.png", "website": "https://www.adaptional.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Adaptional is building agentic AI for insurance claims. Claims are 75% of every dollar in the $1T insurance industry -- and one of the most under-optimized areas, still managed by adjusters working hundreds of files by hand. We're changing this with AI claims review agents, already deployed at some of the major P&C carriers. \r\n\r\nIn the future, claims will be powered by an intelligence layer that manages files and escalates actions to human adjusters. Adaptional is building the AI system that will be the foundation for every claims department across P&C insurance.", "one_liner": "AI-powered insurance claims review", "team_size": null, "industry": "B2B", "subindustry": "B2B", "launched_at": 1758589841, "tags": [ "AIOps", "Insurance", "Enterprise", "Enterprise Software", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2025", "status": "Active", "industries": [ "B2B" ], "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/adaptional", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2025/adaptional.json", "year_founded": 2024, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/adaptional", "x_url": "https://x.com/adaptionalAI", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/8ea52a7c833e951c693eafd9561453164d5bf74c.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": 423912, "full_name": "Kevin Cox", "title": "Founder/CTO", "founder_bio": "Co-founded and sold digital insurance brokerage Savvy (W20). Led engineering teams at Clipboard Health while revenue grew profitably from $30M -> $130M. Building Adaptional - AI for commercial insurance.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/kevin-cox-90337b47/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/2b7259298331b37a4b0148298d7000aa1740d138.jpg" }, { "user_id": 350876, "full_name": "Suril Kantaria", "title": "Founder", "founder_bio": "Cofounder of Adaptional S25 and Savvy W20, a digital insurance brokerage for startups & SMBs. Previously on the early team at X/xAI and Primer, a NLP lab that raised $250m+.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/suril-kantaria-59522922/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6d48636a05ad637f49098c12abee3f0706b5ab03.jpg" } ], "jobs": [ { "id": 93126, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/adaptional/jobs/k7W6ge9-founding-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $280K", "equity_range": "1.00% - 2.00%", "experience": "1+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 99740, "title": "Founding GTM Lead", "url": "https://www.ycombinator.com/companies/adaptional/jobs/D8ofuWJ-founding-gtm-lead", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$140K - $185K", "equity_range": "0.35% - 0.75%", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [] }, { "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": 30735, "name": "Evergrove", "slug": "evergrove", "former_names": [ "No official name yet", "Nony AI", "Evergrove Labs" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/bbb31241cfe39c763acf55ec7b3027f6e806380c.png", "website": "https://www.evergrovelabs.com/", "all_locations": "New York City, NY, USA", "long_description": "We've built voice agents for the largest work comp managed care orgs and specialist PT networks in the country, making >500K calls annually and accelerating the speed at which they coordinate care. On average, our customers see a 40% increase in workflow completion, 10x decrease in cycle times, and >60% reduction in cost.\r\n\r\nWe think voice agents are the starting point for solving slow and fragmented care coordination in this market. Companies that manage an injured worker's care rely on short-staffed contact centres and archaic methods of info exchange: phone, fax, and email. Every delay along the path of care leads to slower rehab of the injured worker, lower throughput for providers, and higher expense for the insurer/employer.", "one_liner": "Instant healthcare for all, starting with work comp", "team_size": 2, "industry": "Healthcare", "subindustry": "Healthcare", "launched_at": 1786637393, "tags": [ "Healthcare", "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Healthcare" ], "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/evergrove", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/evergrove.json", "year_founded": 2026, "city": "New York City", "country": "US", "linkedin_url": "https://www.linkedin.com/company/evergrovelabs", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/bbb31241cfe39c763acf55ec7b3027f6e806380c.png", "app_video_url": null, "dday_video_url": null, "company_photos": [], "primary_partner": { "name": "Harj Taggar", "url": "https://www.ycombinator.com/people/harj-taggar" }, "founders": [ { "user_id": 1081614, "full_name": "Sid Unnithan", "title": "Founder", "founder_bio": "Co-founder and CEO. We're building interoperability in healthcare and commercial insurance. Voice agents are our bread & butter. Prev AI PM lead at Newfront (Acq for $1.3B), Azure ML & VS Code at MSFT, Waterloo Eng Alum (2018), and co-founder of appinkflow.com (bootstrapped).\n\nCo-founder and I built AI-native placement service within Newfront. Small team of expert humans and agent swarms negotiated policies between $300K and $1M USD, achieving 40% faster renewal times, and 15-20% cost reduction.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/siddhanthunnithan", "x_url": "https://x.com/SidUnnithan", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/b219010304c97621f212e3f6017cac88384bced1.jpg" }, { "user_id": 1161116, "full_name": "Jacob Chia", "title": "Founder/CTO", "founder_bio": "Co-founder and CTO. We build agents for healthcare enterprises. Prev AI engineer at Newfront (Acq for $1.3B). Was on the platform team, wrote code for millions of authentication and authorization interactions at Newfront; Refactored file management for millions of mission critical insurance files.\n\nCofounder and I built fully autonomous insurance placements in 2025 - negotiating insurance coverage over email for policies between 300k to 1 million USD, achieving 15-20% cost reduction.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/jacob-chia-78a1b2135", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/9246fa7dc3b92b39196a646c9b93b9fe22a79e7a.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 112258, "title": "Evergrove: Interoperability for work comp", "tagline": "Voice agents that accelerate post-claim care", "body": "We’re keeping this short and sweet. We build voice agents to overcome slow and fragmented care coordination in workers’ comp. Some key points:\n\n1. We’re on track to make >500K calls annually, helping customers get to >60% reduction in cost and 40%+ improvement in workflow completion.\n2. Our customers are some of the largest managed care orgs, specialty networks, and ancillary service providers in the work comp space.\n3. We’re ex-Newfront, where we pioneered agents that were cited in the $1.3B acquisition [press release](https://www.wtwco.com/en-us/news/2025/12/wtw-to-acquire-newfront-a-specialized-broker-combining-deep-expertise-and-cutting-edge-technology). We’ve spent our careers inside commercial insurance.\n\nOur mission is to have Evergrove agents powering comms between **every** entity on the post-claim care pathway. If you want to learn more about how we’re seeing early network effects, reach out at [sid@evergrovelabs.com](mailto:sid@evergrovelabs.com).\n\n_“If I had more time I would have written a shorter \\[launch post\\]”_", "url": "https://www.ycombinator.com/launches/TCc-evergrove-interoperability-for-work-comp", "votes": 30, "created_at": "2026-08-26T17:30:00.291Z" } ] }, { "id": 31086, "name": "Prescience, Inc.", "slug": "prescience-inc", "former_names": [ "HouseAI", "Prescience" ], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/9318ef0555c0ad2e5ce6049908b655658d073f1f.png", "website": "https://www.getprescience.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Prescience is the preeminent health benefits platform for the world's most ambitious companies. We save employers 20-50% on health insurance while offering best-in-industry health benefits: www.getprescience.com\r\n\r\nAbout us:\r\nPrescience is building a new healthcare system for America. We train AI systems to: create, operate, insure, and deliver healthcare for employer health plans. Prescience Time Machine – an AlphaGo-like system – steers patients towards “Move 37 health trajectories” that deliver dramatic cost savings for employers. Rishab Jain and Aditya Jain, M.D. are serial entrepreneurs and brothers from Harvard & Harvard Medical School with backgrounds in machine learning and medicine. We believe abundant intelligence will bring an opportunity to fundamentally rebuild the $4.5T healthcare industry around proactive (prescient) health and wellness.", "one_liner": "Superintelligent health insurance that keeps employees healthy", "team_size": 5, "industry": "Healthcare", "subindustry": "Healthcare", "launched_at": 1780947683, "tags": [ "B2B", "Health Insurance", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Healthcare" ], "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/prescience-inc", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/prescience-inc.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/prescienceinc/", "x_url": "https://x.com/getprescience", "fb_url": null, "cb_url": "https://www.crunchbase.com/organization/prescience-2bc9", "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/9318ef0555c0ad2e5ce6049908b655658d073f1f.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": 1330533, "full_name": "Rishab Jain", "title": "Founder/CEO", "founder_bio": "Building a prescient healthcare system. Prev. CS/Neuro @ Harvard College", "is_active": true, "linkedin_url": "https://linkedin.com/in/rishab-jain-k", "x_url": "https://twitter.com/rishabjaink", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/57cc4755f0ec35b55ceb82a08fc87b934da21b5a.jpg" }, { "user_id": 3202469, "full_name": "Aditya Jain", "title": "Founder/President & COO", "founder_bio": "Building a prescient healthcare system. MD, Harvard Medical School.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/adityajain2000/", "x_url": "https://x.com/adityajain_42", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/92d44ac319ea99329f44e1c1f8d5098cd8810e81.jpg" } ], "jobs": [ { "id": 107013, "title": "ML Research Engineer", "url": "https://www.ycombinator.com/companies/prescience-inc/jobs/YcWt3KT-ml-research-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$250K - $350K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [ "TypeScript", "Machine Learning", "Deep Learning", "Next.js" ] }, { "id": 107167, "title": "Founding Engineer", "url": "https://www.ycombinator.com/companies/prescience-inc/jobs/O7WXOyJ-founding-engineer", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Engineering", "role_type": "Full stack", "salary_range": "$180K - $250K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 107168, "title": "Founding Operations / Head of Operations", "url": "https://www.ycombinator.com/companies/prescience-inc/jobs/zS3Q0ob-founding-operations-head-of-operations", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$180K - $240K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] }, { "id": 114034, "title": "Founding GTM", "url": "https://www.ycombinator.com/companies/prescience-inc/jobs/9RA2c6M-founding-gtm", "location": "San Francisco, CA, US", "type": "Full-time", "role": "Sales", "role_type": null, "salary_range": "$110K - $235K", "equity_range": "", "experience": "Any (new grads ok)", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 106632, "title": "Prescience: Superintelligence for the American health system", "tagline": "A new health insurance that saves employers money and keeps employees healthy.", "body": "Hey YC, we're [Rishab Jain](https://www.linkedin.com/in/rishab-jain-k/) and [Aditya Jain, MD](https://www.linkedin.com/in/adityajain2000/). \n\nToday, we’re announcing Prescience 🔮: health insurance for the age of abundant intelligence. Prescience is taking on United, Blue Cross, and every other incumbent to build the first health insurance company that doesn’t suck.\n\n**TL;DR -** Prescience is a health insurance solution built for a world with AGI. We help cut premiums by 20%, offer $0 deductibles, include GLP-1s and other modern medicines, and have no hidden fees: we’re only paid when we save you money. We’re already helping some of America’s most ambitious companies save money, provide better benefits, and keep employees healthy so they can focus on their business. [www.getprescience.com](http://www.getprescience.com)\n\n[youtube.com/watch?v=PBqyj9zP4BY&feature=youtu.be](http://youtube.com/watch?v=PBqyj9zP4BY&feature=youtu.be)\n\n**The Problem**\n\nHealthcare is a $6 trillion industry in America. For most companies it's the second-highest line item on their P&L, with costs rising about 15% every single year.\n\nEmployers keep paying more and getting less. Deductibles climb and the best benefits get cut. Even employees with \"good\" insurance still end up with denied claims, surprise bills, and debt.\n\nNothing changes because the entire industry is built to take a cut of your premium. When care gets more expensive, all of the middlemen make more money. They couldn’t care less if your people get more healthy.\n\n**Our Solution**\n\nPrescience is an AI-native health insurance that flips the incentive. Get a quote without speaking to middlemen, and get better health benefits at lower cost. That adds up to roughly **20% lower premiums**, and **better-than-platinum health benefits** like $0 deductibles, no middlemen, no fees. For YC companies, we have a Deal running with Free Wearables and GLP-1s covered.\n\nHere's how we deliver. **Time Machine** is our reinforcement learning system trained on medical histories. The same way AlphaGo found \"Move 37,\" a move no human would have played that turned out to be brilliant, Time Machine searches millions of possible health trajectories for each member and finds the non-obvious path that keeps them healthiest. Then it steers care toward that path: the right screening at the right moment, the right behavior, before a small issue ever becomes a hospital bill. We’re running a separate waitlist for YC companies who want to try Time Machine for personal use: \n\n![uploaded image](/media/?type=post&id=106632&key=user_uploads/3202469/9ec81a8e-0484-4a24-873c-9aafa87d8124)\n\nTime Machine is paired with **Crystal**: our care navigation assistant in your pocket. As an MD, I’ve seen how patients struggle to manage the labyrinth of healthcare. Hours of phone calls and wait times. Pouring through confusion insurance documents. No more - Crystal can book visits for you, answer questions about your health, and pay your bills.\n\n![uploaded image](/media/?type=post&id=106632&key=user_uploads/3202469/6d96fb46-38d8-4b14-934d-c070c77b13b4)\n\nInstead of today’s health insurance experience that forces employers to talk to brokers for weeks just to get covered, employers on Prescience get a quote in days and a plan that automatically tracks savings and does filings. We don’t just sit around and collect money from premiums, but actually try to make your employees healthy.\n\n![uploaded image](/media/?type=post&id=106632&key=user_uploads/3202469/869b2f99-6114-43c4-b8a3-4630545de430)\n\nWe are a real, full-stack solution. We’ve built out and partnered to deliver quotes, banking, HSA, MSO-PC, legal, compliance, network, risk, and any other solutions, We have a national team of top doctors who we negotiate with directly - no middlemen - and who we are able to offer fast payment, clear patient histories, and no admin paperwork. They in turn offer us heavy discounts we pass on to employers.\n\n**The Team**\n\nRishab and Aditya are brothers and serial entrepreneurs. Rishab (CEO) studied CS & Neuro at Harvard, is an RSI alumni, won the International Science and Engineering Fair, and previously founded and exited an edtech company. Aditya (President/COO) earned his MD from Harvard Medical School, has been doing ML research since 2014, and is an Op-Med Fellow at Doximity.\n\nPrescience aims to rebuild the entire $6T American healthcare industry into one that is proactive and prescient, not reactive. Our vision is to be both payer and provider, as our proprietary AI and data becomes ready to take on all of medicine.\n\nReach us anytime at [founders@getprescience.com](mailto:founders@getprescience.com).\n\n**Our Ask**\n\n1. **If you’re a founder, get your quote:** at [getprescience.com](http://getprescience.com) and **use our YC deal on Bookface**! Free GLP-1 weight loss program, genetic testing, and white-glove support.\n2. **Intro us to enterprise:** Founders, Chief People Officers, Benefits Managers, Chief Medical Officers, CFOs, HRIS Platforms, or Brokers, especially at companies reviewing 2027 benefits!", "url": "https://www.ycombinator.com/launches/Rjs-prescience-superintelligence-for-the-american-health-system", "votes": 61, "created_at": "2026-07-21T14:07:46.343Z" } ] }, { "id": 31197, "name": "InventoryQuant", "slug": "inventoryquant", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/f74c63aa46c6a7b210639069202e83296edae78d.png", "website": "https://www.inventoryquant.com", "all_locations": "San Francisco, CA, USA", "long_description": "We automate inventory and contents processing for insurance and insurance-adjacent industries, including public adjusters, restoration contents, and insurance companies. We also handle various inventory and estimate adjacent processes that cost many billions of dollars a year and thousands of years of man hours.", "one_liner": "We automate the inventory process in insurance", "team_size": 1, "industry": "B2B", "subindustry": "B2B", "launched_at": 1774477383, "tags": [ "Insurance", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2026", "status": "Active", "industries": [ "B2B" ], "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/inventoryquant", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2026/inventoryquant.json", "year_founded": 2025, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/111824156/admin/dashboard/", "x_url": "https://x.com/InventoryQuant", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/f74c63aa46c6a7b210639069202e83296edae78d.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": 2698080, "full_name": "Sander Schulhoff", "title": "Founder/CEO", "founder_bio": "Hi, I'm Sander Schulhoff —\nI'm an award-winning AI researcher, entrepreneur, and part-time botanist 🌱\n\n👉 I wrote the first guide on prompt engineering (LearnPrompting.org), ran the first ever GenAI red-teaming competition (HackAPrompt), and I'm currently building InventoryQuant.com 🚀", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/sander-schulhoff/", "x_url": "https://x.com/SanderSchulhoff", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/e436889b5aa1fa67c7369bed4259e9748d71c362.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "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": 32165, "name": "Rote", "slug": "rote", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/813e1a8e770c08e788937c21e5a62c42be5e08d9.png", "website": "https://tryrote.com/", "all_locations": "San Francisco, CA, USA", "long_description": "Rote handles the entire negotiation lifecycle between shops and insurance companies to help them recover thousands of dollars in denied claims. Shops today lose millions per year because they lack the resources to negotiate with insurance companies that undervalue repair costs. Rote's agents recover denied revenue by taking shop estimates and referencing technical repair data to autonomously file and defend shop claims.", "one_liner": "AI-native insurance department for auto body shops", "team_size": 0, "industry": "B2B", "subindustry": "B2B -> Operations", "launched_at": 1778719731, "tags": [ "B2B", "Workflow Automation", "Insurance" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Winter 2027", "status": "Active", "industries": [ "B2B", "Operations" ], "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/rote", "api": "https://devasheeshg.github.io/yc-api/batches/winter-2027/rote.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/tryrote/posts/?feedView=all", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/813e1a8e770c08e788937c21e5a62c42be5e08d9.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": 2644782, "full_name": "Aditya Mittal", "title": "Founder/CEO", "founder_bio": "Founder and CEO of Rote (YC W27). A CS student at Cornell, he built scaled iCloud Mail Intelligence at Apple and engineered the computer vision pipelines powering Toyota’s autonomous factory fleets. A 4x hackathon winner focused on agentic AI applications, he developed machine learning infrastructure for Raytheon and served as Vice President of the Cornell Entrepreneurship Club.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/i-am-adityamittal/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/0159c08cfea4ee6b042ec817f2f46e75cde754ac.jpg" }, { "user_id": 2145284, "full_name": "Gabriel Castillo", "title": "Founder/CTO", "founder_bio": "Building the AI-native insurance department for auto body shops.\nCS @ Cornell | ex-SWE @ Apple (AI Tools & Automation). Previously built the fastest-growing dating app at Cornell.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/gabriel-ach/", "x_url": "https://x.com/GabrielCasHe", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/221880e3316d6744168993c61917df5c43dc587b.jpg" } ], "jobs": [], "news": [], "launches": [] }, { "id": 32187, "name": "Insurf", "slug": "insurf", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/203aaca34875f8d2fd195e6c042414266aefc1ca.png", "website": "https://www.insurf.io", "all_locations": "Providence, RI, USA", "long_description": "Insurf is the AI-native data and decision layer for health insurance. Our model Surely identifies the lowest-cost coverage for anyone, saving individuals, families, and companies thousands per employee. Our product Inveto collects the data from hospitals and clinics that informs Surely.", "one_liner": "The AI-Native Decision Layer for Health Insurance", "team_size": 3, "industry": "Healthcare", "subindustry": "Healthcare", "launched_at": 1782286226, "tags": [ "Health Tech", "Healthcare", "Insurance", "Automation", "AI" ], "tags_highlighted": [], "top_company": false, "isHiring": false, "nonprofit": false, "batch": "Summer 2026", "status": "Active", "industries": [ "Healthcare" ], "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/insurf", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/insurf.json", "year_founded": 2026, "city": "Providence", "country": "US", "linkedin_url": "https://www.linkedin.com/company/insurf/", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/203aaca34875f8d2fd195e6c042414266aefc1ca.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": 3378177, "full_name": "Bryan Chung", "title": "Co-Founder", "founder_bio": "Co-founder at Insurf. Samsung at 14. 18th Internationally in Physics, Top 80 Internationally in Computer Science, 2x IEEE Publisher, USACO Platinum, Research at Cambridge, Brown, CMU, RIT, and UCSC", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/bryan-chung-21b531265/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/6728ca29b0a22eb5a13e927f97bb5b9c2a9ef96e.jpg" }, { "user_id": 3378885, "full_name": "Chang Lu", "title": "Co-Founder", "founder_bio": "Co-founder at Insurf. Ex Brown BS/MD\nPreviously studied Neuroscience and Economics at Brown. Conducted zero-shot modeling research at Emory Winship Cancer Institute.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/changxianlu", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/bbd81a7330818b1c1cb7ebd17246c72911cb0146.jpg" } ], "jobs": [], "news": [], "launches": [ { "id": 111220, "title": "Insurf: We save people and employers thousands on health insurance costs", "tagline": "We built a computation layer for health insurance that predicts the lowest true-cost coverage for anyone. We will be the national standard for how America chooses coverage, with the only engine that knows both what plans cost and what they actually do.", "body": "Hey everyone — we're **Chang and Bryan**, the founders of **Insurf**.\n\nAmerican health insurance is f\\*\\*\\*ed: chosen by guesswork, enforced by denial. We built the engine that fixes both halves.\n\n**TL;DR**\n\n**Surely** computes the lowest-cost plan for anyone. **Inveto** fights denials for real clinics across Texas, Georgia, and California, and each contract-authorized, de-identified outcome becomes coverage data nobody else has. Everything Inveto learns, Surely knows.\\\n\\\n[https://drive.google.com/file/d/1x5B44OPfZxd-32UBeGT-0a5WVdMf3Jnl](https://drive.google.com/file/d/1x5B44OPfZxd-32UBeGT-0a5WVdMf3Jnl/view?usp=sharing)\n\n**The problem: America picks health plans from one number**\n\nMore than 20 million Marketplace enrollees choose coverage off the sticker premium. That guess is expensive.\n\n• In our data, the lowest-premium plan was the lowest-cost option in **0 of 2,000 simulated years**.\n\n• In one example, the cheaper sticker would have cost **$8,052 more** in a single bad year.\n\n• That's one person. Multiply the risk across a family. Across a company.\n\n• This year alone, **four million Americans** found out what their plans actually cost — and walked away from coverage.\n\nWe compute.\n\n**Surely — the cost engine**\n\nSurely ranks all plans by what they'll actually cost: premiums, deductibles, drug tiers, networks, out-of-pocket caps. Every number sourced from government filings.\n\n**Inveto — the denial workbench**\n\nClinics upload a denial and the clinical record; Inveto produces source-cited, physician-signed appeals and supported prior authorizations. Live with real clinics across Texas, Georgia, and California today.\n\n**The moat is the join**\n\nEvery contract-authorized Inveto outcome becomes rights-cleared data about what plans actually do, including approvals, denials, appeals; Surely reads all of it. **What plans cost + what plans do. Nobody else has both.**\n\n**Why now**\n\nIn 2028, health plans stop renewing automatically: 20 million+ people will re-choose coverage every single year — the largest forced re-shop in the history of American health insurance. $150 billion a year in premiums, re-decided annually.\n\nAnd employers are next. The federal government projects **800,000 companies and 11 million+ people** will switch to ICHRA, where employees choose their own plans. That's a **trillion-dollar shift**. With Insurf, employers can expect to save **\\~$5,000 per employee, per year**.\n\n**Who we are**\n\nTwo friends who met during orientation at Brown. Chang got into medical school at 17, then worked a pharmacy counter watching thousands of people pay out of pocket for what they were promised. Bryan placed internationally in CS and physics competitions and has published IEEE research since high school.\n\n**Our ask**\n\n• Tired of overpaying for health insurance?\n\n• Weighing ICHRA, or trying to cut your company's benefits spend?\n\n• Running a specialty clinic buried in denials and prior auths?\n\nSee how much your company can save here: [insurf.io/audit](https://www.insurf.io/audit) or email [founders@insurf.io](mailto:founders@insurf.io) — we'll show you exactly what you'd save.\n\n**Everyone sells plans. Nobody prices them. We compute.**", "url": "https://www.ycombinator.com/launches/Svs-insurf-we-save-people-and-employers-thousands-on-health-insurance-costs", "votes": 97, "created_at": "2026-08-19T21:00:00.658Z" } ] }, { "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": 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. The team is ex-Google, Tesla, Amazon, and Terrafirma, and the bet is that a carrier built this way wins on loss ratio, speed, and cost at the same time.", "one_liner": "Florin is an AI-native insurance company that runs autonomously", "team_size": 3, "industry": "Fintech", "subindustry": "Fintech -> Insurance", "launched_at": 1782360987, "tags": [ "Fintech", "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": true, "demo_day_video_public": false, "app_answers": null, "question_answers": null, "url": "https://www.ycombinator.com/companies/florin", "api": "https://devasheeshg.github.io/yc-api/batches/summer-2026/florin.json", "year_founded": 2026, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/florinhq/", "x_url": "https://x.com/florin_hq", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/48074691217afbc59a4443c6ffa2379a823efda9.png", "app_video_url": "https://bookface-images.s3.us-west-2.amazonaws.com/bf-public_profile/33340/app_video.mp4?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Credential=ASIAQC4NIECAOMAGS7ZB%2F20261020%2Fus-west-2%2Fs3%2Faws4_request&X-Amz-Date=20261020T022740Z&X-Amz-Expires=60&X-Amz-Security-Token=IQoJb3JpZ2luX2VjEHEaCXVzLXdlc3QtMiJHMEUCIG5%2FEuPdHreXKRdGLYlyC2AjaYHPccvwucNqtFtDJEpNAiEAs4s5lSDOcogMQrwGhSKvVJXgimMvlIc1KK%2Fa7hojYD4q5QMIOhAAGgwwMDYyMDE4MTEwNzIiDMPa%2BQzgV8CSsX3XwyrCA9yWuwhv7VPDGJqPM%2BDoevlHz47k5lLRdgsGITLyqtSgmLV07z1Y86XDlb4dZMfcWmY5u5FLutDaUy2PMJ92q6vIq41n2jI5tC6SNSed8Qx%2Frdr9Wotko6WcUJWENt0Rs1K4pKZ8ZHCjH22BoWJkWLaTQ8fDKsmgWu0C8NMhnc8i44rKtbZLOvQwKZIlI546tkfyyliSiXPWdZ4XhGxEegateXp4TnM4yWfebpv22hrRHRotmFYX8ANU3B8yiEQL9yrU1y10N8c42JlHR%2FXHZNxaFQqX6eENp2aa2yewya2kPgdiQ3efnk5d0LiuPYxk7ZBa6uOug4fCBPHurDSGZqOlYX9D4h6PAMyUN2kZw2IcUR9QWKM2BmEsGorqokH5Oe34gs0DmnOGrGbhANOh9LKlKDu%2B6Pc4U%2F8L3%2Bmxug0q%2B3JBUGE7Wf6ySj%2B%2BbW8eOteynPrtIEUsD0pcfnSFNzQepsmnoTP5xc7qG%2FEn4MNWO3TviPmcIdg9qyW7bwOWKSyly4BuerWbZWVxIVolnUdqKu2PxDrgnb41QrRtObgKLlbhdehgPlqhIVqZ1cWH9s2uGHoiWlN5FRY8vYYodKzLGjDn%2FdrWBjqlAdXY8WsF5AC2X79ObZ%2FmZD1gjSCNFddCxk1e7RhQVznesCZJDMryJDWqJGSqI7lLEk62aPqOUbquB9Ghba%2BJXI%2FUV%2BHgkJZAPy7wzbnv8vLB8WccujudilaH29xgpqopxweKHuQzlcRMMeq0SZHCo3PizMnbhtLrqB%2BiK9IdfwMp8c15fBnQEe2RAGCsOWYNCrhsPiR6yT5V9698E5KnRPYRfOeFQw%3D%3D&X-Amz-SignedHeaders=host&X-Amz-Signature=ccc17c334dba2900faaea281e2f1ac904074851594b0f3346daf15d3fcdd58f3", "dday_video_url": null, "company_photos": [ "https://bookface-images.s3.us-west-2.amazonaws.com/attachments/50d87df2dfc60c769ee8aa3c3cf2c05dd540d089.png" ], "primary_partner": { "name": "Ankit Gupta", "url": "https://www.ycombinator.com/people/ankit-gupta" }, "founders": [ { "user_id": 3779733, "full_name": "Shaurya Aggarwal", "title": "Founder/CEO", "founder_bio": "Built TPUs in the next-gen TPU team at Google. 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": 37236, "name": "Spine", "slug": "spine", "former_names": [], "small_logo_thumb_url": "https://bookface-images.s3.amazonaws.com/small_logos/e227fdb2c6620d1b088142bc179befd86c865fee.png", "website": "https://www.joinspine.ai/", "all_locations": "San Francisco, CA, USA", "long_description": "Spine runs benefits, payroll, and compliance for startups for free.\r\n\r\nWe do the work by giving teams dedicated senior HR and benefits specialists who operate on top of their existing HRIS (Rippling, Deel, Gusto, ADP). We help companies find better-fit, more cost-effective health plans - reducing healthcare costs by around 15% on average - while running payroll, handling compliance, managing open enrollment, and supporting employees directly in Slack.\r\n\r\n30+ startups already use Spine to lower healthcare costs and take hours of back-office work off their teams. Learn more at joinspine.ai or email onur@joinspine.ai", "one_liner": "We run benefits, payroll & compliance for startups, for free", "team_size": 0, "industry": "B2B", "subindustry": "B2B -> Human Resources", "launched_at": 1790378229, "tags": [ "Human Resources", "Insurance", "SMB" ], "tags_highlighted": [], "top_company": false, "isHiring": true, "nonprofit": false, "batch": "Fall 2026", "status": "Active", "industries": [ "B2B", "Human Resources" ], "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/spine", "api": "https://devasheeshg.github.io/yc-api/batches/fall-2026/spine.json", "year_founded": null, "city": "San Francisco", "country": "US", "linkedin_url": "https://www.linkedin.com/company/joinspine/?viewAsMember=true", "x_url": "", "fb_url": null, "cb_url": null, "github_url": null, "logo_url": "https://bookface-images.s3.amazonaws.com/small_logos/e227fdb2c6620d1b088142bc179befd86c865fee.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": 4019904, "full_name": "Onur Kardesler", "title": "Founder/CEO", "founder_bio": "We run benefits, compliance and people ops for startups for free.\n\nCo-Founder at Spine. Previously Firefly (2017), a digital car top advertising platform backed by top-tier VCs. MBA from INSEAD, engineering degrees from EPFL and Koç University.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/onurkardesler/", "x_url": "https://x.com/okardesler", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/5d7e3f8169107ec5d8756a7702a5b8006379f49b.jpg" }, { "user_id": 4028056, "full_name": "Ece Cokar", "title": "Founder", "founder_bio": "Co-Founder at Spine. Previously co-founded Feed (2021). Oxford-trained lawyer.", "is_active": true, "linkedin_url": "https://www.linkedin.com/in/ece-cokar-48319037/", "x_url": "", "avatar_thumb_url": "https://bookface-images.s3.us-west-2.amazonaws.com/avatars/416353a147f113f6930149f3b714166576009e88.jpg" } ], "jobs": [ { "id": 106472, "title": "Growth & Community Lead", "url": "https://www.ycombinator.com/companies/spine/jobs/xq4GAY5-growth-community-lead", "location": "San Francisco, CA, US / Remote (San Francisco, CA, US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $240K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] }, { "id": 106947, "title": "Senior Health & Benefits Broker", "url": "https://www.ycombinator.com/companies/spine/jobs/FjWnY6a-senior-health-benefits-broker", "location": "San Francisco, CA, US / Los Angeles, CA, US / Remote (CA, US)", "type": "Full-time", "role": "Operations", "role_type": null, "salary_range": "$100K - $220K", "equity_range": "", "experience": "3+ years", "visa": "US citizen/visa only", "skills": [] } ], "news": [], "launches": [ { "id": 117007, "title": "Spine: We run HR backoffice & benefits for startups, for free", "tagline": "Benefits, people ops, and compliance. Off your plate.", "body": "Hey everyone 👋 We’re Onur and Ece, founders of **Spine (F26)**. We previously founded companies together with over $1B in value, and Spine is the company we wish we’d had while building them.\n\nWe run **benefits, people ops, and compliance for startups for free**.\n\nInstead of giving founders another piece of software to manage, we give every company dedicated senior HR and benefits specialists who actually do the work, on top of the HRIS they already use — Rippling, Deel, Gusto, ADP, and others.\n\n### **TL;DR**\n\n* Dedicated senior HR + benefits specialists working directly with your team in Slack\n* Works on top of the HRIS you already use \n* We implement better-fit, more cost-effective health plans and have reduced healthcare costs by around **15% on average**\n* We run open enrollment, benefits administration, payroll, compliance, onboarding/offboarding, and employee support \n* It’s free for startups: we become your benefits broker and are paid by insurance carriers\n* **30+ startups already use Spine, many of them YC companies**\n\nwatch here: \n\n### **The problem**\n\nRippling, Deel, Gusto, and other HR platforms are great software. But someone still has to operate them, deal with issues, coordinate with carriers, answer employee questions, manage compliance, and make sure nothing falls through the cracks.\n\nAt an early-stage company, it usually falls on the founder, COO, finance lead, or whoever happens to know the most about it. That work quickly becomes a second job.\n\nSoftware helps. But someone still has to do the work.\n\n### **What we built**\n\n**Spine does the work for you. For free.**\n\nEvery company gets a dedicated senior HR lead and benefits specialist who works directly with the team, primarily through Slack, on top of the systems they already use.\n\nWe:\n\n* Review your existing health plans and run the market for better options\n* Benchmark coverage and pricing to reduce healthcare spend\n* Run open enrollment and benefits administration\n* Handle employee benefits questions directly\n* Run payroll and resolve payroll issues\n* Handle compliance, onboarding/offboarding, and ongoing people ops\n\nYou don’t need to migrate away from Rippling, Deel, Gusto, ADP, or whatever HRIS you already use. **We operate on top of it.**\n\nFor benefits, we become your broker of record. Insurance carriers already pay broker commissions, so we use those commissions to provide the rest of the service for free.\n\n### **Why we started Spine**\n\nWe spent years building and operating startups ourselves and kept running into the same problem: as our companies grew, we accumulated more software for payroll, benefits, compliance, and HR, but **the work itself never disappeared**.\n\nWe thought startups shouldn’t need to build an internal HR team just to make all of this work.\n\nSo we built Spine.\n\nToday, **30+ startups use us**, and we’re taking this work completely off their plates while also reducing what they spend on healthcare.\n\n### **Our ask 🙏**\n\nIf you’re running a startup, **get a senior HR and benefits team dedicated to you, for free.**\n\nYou can use us if:\n\n* your health insurance renewal or open enrollment is coming up\n* you’re thinking about leaving a PEO\n* you want to know whether you’re overpaying for healthcare\n* you need help with payroll, compliance or benefits\n* or you’re simply tired of spending time on work that has nothing to do with building your company\n\n**Send us what you have and we’ll start working for you right away, for free.**\n\nWe’d also really appreciate introductions to founders, CFOs, or people/ops leaders who could use the help.\n\nStart here: or reach out to me directly here: [onur@joinspine.ai](mailto:onur@joinspine.ai)\n\nWould love feedback from the YC community ❤️", "url": "https://www.ycombinator.com/launches/URD-spine-we-run-hr-backoffice-benefits-for-startups-for-free", "votes": 11, "created_at": "2026-09-28T20:00:00.217Z" } ] }, { "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": [] } ]