Hedge
Hedge is a YC Spring 2026 (P26) company. Based in San Francisco, CA, USA. Team of 2.
About Hedge
Summary
Hedge builds a wholesale insurance brokerage for hard-to-place commercial risks: cat-exposed property, distressed cyber, thin-file professional liability, and similar accounts that retail agents struggle to place. Retail brokers submit a risk and receive a dedicated broker who handles intake, market selection, and quoting from start to close. The product replaces the slow, impersonal submission process typical of traditional wholesale intermediaries.
Business model
A fee or commission earned on each specialty risk placed through the wholesale brokerage.
Go-to-market
Retail insurance agents are the direct customer, reached through broker appointment and direct submission. Brokers engage through a structured intake flow on the platform, supported by named broker contacts rather than a rotating team.
From the Y Combinator listing
AI-Native wholesale insurance company
Hedge is an AI-Native specialty insurance company. We help insurance brokers find faster, cheaper, and better coverage for their customers.
Facts
- Fintech / Fintech -> Insurance
- San Francisco, CA, USA
- 2
- Active
- Early
Founders (2)
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