Kinro
Kinro is a YC Spring 2026 (P26) company. Based in San Francisco, CA, USA. Team of 3.
About Kinro
Summary
Kinro builds an autonomous insurance brokerage that serves U.S. small businesses that traditional brokers find unprofitable to cover. AI agents handle the full workflow, from prospecting through policy binding, around the clock. The product replaces the manual broker process that makes low-premium SMB policies too costly to place.
Business model
A fee earned on each policy bound through the brokerage
Go-to-market
Small business owners across industries such as contracting, trucking, and food service get a quote directly on Kinro's site; a licensed agent follows up within minutes to bind coverage, combining self-serve discovery with agent-assisted close.
From the Y Combinator listing
Autonomous insurance brokerage for small businesses
We are building the first autonomous insurance brokerage. We hit $1M in annual revenue building insurance workflows for brokers. Then we realized the bigger opportunity was replacing them. In 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. Kinro changes that. Our AI agents handle the full broker workflow 24/7, from finding prospects to binding policies. In 3 weeks, we got licensed in 24 states and appointed by 10 carriers. Last week, our agents autonomously bound 9 policies. Before Kinro, Pierre was an AI researcher at DeepMind. Corentin was Chief Insurance Officer at an insurtech. Parth built ML systems at Zoox.
Facts
- Fintech / Fintech -> Insurance
- San Francisco, CA, USA
- 3
- Active
- Early
Founders (3)
- Parth Ainampudi
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