Florin is the insurance carrier with zero underwriters
TL;DR: Florin is a full-stack insurance company with 0 underwriters. Software takes a submission from a raw intake form to a bindable quote in seconds. Instead of matching a business to a class code, it verifies what the business actually does using satellite imagery, permits, public records and social media, then prices it by simulating tens of thousands of ways its next few years could go.
What we do and why
Insurance prices risk with class codes. An underwriter receives an application PDF, matches the business to a row in a rate table, and quotes off that row. This breaks in two ways. Applications are incomplete or wrong, so the price is built on bad inputs. And when a business does not fit any row, either because it is genuinely new (robotics, AI, autonomy) or because the table says the whole class or state is unprofitable, the answer is a declination. That is why carriers are exiting entire states and why a three-year-old industry can barely buy coverage at any price.
Florin replaces the table with evidence. It ingests the submission directly, no intake team. It builds its own picture of the business from the outside: aerial imagery of the actual premises, permits and public records, even the insured's social media, where it has caught operations that were never disclosed on the application. From that verified picture it runs simulations of the business's possible futures and produces a quote you can bind in seconds. No human touches the file.
Team
- Shaurya Aggarwal built silicon on Google's next-generation TPU team
- Amol Pant was on Tesla's supercomputer team, designed rovers for NASA, and was early at a Thiel backed robotics startup
- Aydin Sorensen was early at Terrafirma, a construction robotics company that recently raised $115M
Shaurya and I have been best friends since middle school, and Aydin and I were roommates in college. We all lived together in Seattle for 2 years.
Our asks
1. If your business has a risk that regular carriers and brokers keep declining or pricing absurdly, we want to hear from you. Email shaurya@florin.inc or grab time at https://calendly.com/shaurya-florin/30min
2. If you are a world-class quant, engineer, or underwriter and would rather build the pricing model than read files, we are hiring. Same email.
