Fernstone
Fernstone is a YC Fall 2025 (F25) company. Based in New York, NY, USA. Team of 2.
About Fernstone
Summary
Fernstone builds an AI-powered commercial insurance brokerage for businesses with complex risk profiles, starting with construction and security companies. It handles the full brokerage workflow: obtaining coverage, issuing certificates of insurance, managing renewals, and monitoring policy gaps. The product replaces traditional commercial insurance brokers, combining a dedicated risk advisor for each client with a software platform for coverage management.
Business model
A fee earned on placed commercial insurance coverage, consistent with brokerage commission structures.
Go-to-market
Construction and security companies come to Fernstone to get coverage needed to close contracts and obtain licenses, entering through a quote request and then working with a dedicated risk advisor.
From the Y Combinator listing
Full-stack AI insurance brokerage for businesses.
Fernstone is a a full-stack AI insurance brokerage for complex risk. We are competing directly with the 40,000 commercial insurance brokers in the US that earn $80B in revenue each year. Today, construction and security companies use Fernstone to obtain coverage to close contracts and obtain licenses.
Facts
- Fintech / Fintech -> Insurance
- New York, NY, USA
- 2
- Active
- Early
Founders (2)
- Bryant Le
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