Harper
Harper is a YC Winter 2025 (W25) company. Based in San Francisco, CA, USA. Team of 25.
About Harper
Summary
Harper builds an AI-native commercial insurance brokerage for mid-sized businesses with complex coverage needs. Brokers backed by an AI system shop every relevant market, including specialty carriers most generalist agents cannot access, and return fully explained options to the client. The product replaces the fragmented work of sourcing, comparing, and binding commercial policies across multiple insurers.
Business model
A brokerage fee or commission on placed commercial insurance policies.
Go-to-market
Mid-sized businesses get a quote by calling or contacting a specialist directly; a human broker, supported by AI, handles the full placement process from there.
From the Y Combinator listing
AI-native commercial insurance brokerage
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. By 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.
Facts
- Fintech / Fintech -> Insurance
- San Francisco, CA, USA
- 25
- Active
- Early
Founders (2)
- Dakotah Rice
- Tushar Nair
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