Florin
Florin is a YC Summer 2026 (S26) company. Based in San Francisco, CA, USA. Team of 3.
About Florin
Summary
Florin operates as a full-stack insurance carrier that replaces human underwriters with an AI model. When a submission arrives, the model reads ACORD forms, pulls satellite imagery, permits, public records, and social media to surface exposures the application omits, then runs tens of thousands of simulations to price the risk and return a bindable quote in under a minute. It targets liability, property, and products coverage across technical sectors including robotics, space, advanced energy, and defense.
Go-to-market
Policyholders and brokers submit documents directly to Florin, which issues bindable quotes without a manual underwriting team in the loop.
From the Y Combinator listing
Florin is the insurance carrier with zero underwriters
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 Terra Firma, and the bet is that a carrier built this way wins on loss ratio, speed, and cost at the same time.
Facts
- Fintech / Fintech -> Insurance
- San Francisco, CA, USA
- 3
- Active
- Early
Founders (3)
- Amol Pant
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