Insurance Startups funded by Y Combinator (YC) 2026

Newfront is building the modern insurance brokerage. Transparent data delivered real-time translates into a lower total cost of risk and greater insights. We work with 20% of US unicorns, 100s of YC startups, and 150+ public companies on their Business Insurance and Total Rewards. Headquartered in San Francisco, Newfront has more than 800 colleagues and offices throughout the US.

Huscarl is an AI-native actuarial advisory for large companies ($50M+ turnover) to optimize their insurance decisions. Our approach helps them save ~30% premiums for similar coverage, and manage their own risks like an insurance company would. Our technology: - scans through risks and quantifies them - translates complex B2B insurance policies into actuarial language - tells if companies are paying the right $ for their coverage - tells them what to keep, change or kill in their insurance program

Mount is the Insurer for the Agent Economy. When AI systems autonomously sign contracts, manage finances, or talk to customers, every failure becomes the deployer's liability. Existing insurers don't want to cover this. They lack the data, the models, and the speed to assess deployed AI systems. We're solving this by building a risk evaluation and mitigation platform specifically for AI Agents. Mount's platform red-teams them, scores their operational risk, and issues ADR certifications (the SOC 2 for AI agents). Every evaluation generates proprietary risk data that feeds our underwriting engine, a data moat no competitor can replicate. The AI agent market is projected to grow from $7.6B to $183B by 2033. The EU AI Act and upcoming regulation require deployers to manage AI risk. Over 90% of businesses want coverage for AI risks, yet no insurer is built to price this new risk category. We are that company. Fabian studied CS at ETH Zürich with a focus on machine learning and has been building AI systems since. John founded an AI-first media company at 18 and scaled it to 400K in annual revenue. Together, they combine deep technical AI expertise with the operational intensity to build a full-stack insurance company from scratch.

Klaimee is the first insurance for your AI agents. It covers what traditional E&O and cyber explicitly carve out, so you can deploy agentic AI at scale with real peace of mind. Built for companies deploying agentic AI, self-serve from day one. The problem: AI agents are taking actions autonomously buying, emailing, modifying sensitive data. AB 316 already holds deployers liable. EU AI Act enforces in August. Cyber and E&O insurance are excluding AI claims. Companies shipping agents have zero coverage and no third-party proof their agent is safe. Enterprise legal asks "who pays if your agent breaks something?" and there's no good answer. We built the answer. Critical-category risk evaluation, certification, financial guarantee, liability insurance and the documentation enterprise procurement needs to sign off. Team: Ines (ex-General Manager at SafetyWing, grew insurance product from $5M to $60M revenue, 5 years launching insurance products from scratch and structuring a TokioMarine MGA into its own carrier) + Julien (AI software engineer + corporate strategy, enterprise compliance). We understand how insurance works, what enterprises require, and why startups can't wait 6 months for either.

Verdex is an AI insurance adjuster. We use data streams like satellite imagery to verify claims, allowing insurers to process it immediately and save billions of dollars. We are currently helping insure over 11% of all American farmland.

Panta is a technology-enabled commercial insurance brokerage: we combine AI-powered internal workflows with licensed brokers to help businesses secure complex coverage faster than anyone in the world.

Amera automates claims processing for health insurance payers. We turn messy claim inputs (PDFs, bills, receipts, EDI and non-standard submissions) into structured data that plugs into existing systems. This cuts manual entry and exception handling, speeding up operations and reducing cost. We are already working with payers / plan administrators representing ~100k members, giving them access to more affordable care options.

Casey is an AI-native commercial insurance broker. Our producers focus on client relationships and closing business, whilst our AI handles all the operational work behind the scenes.

Fernstone is an AI-native insurance brokerage: we combine AI with licensed brokers to obtain complex insurance faster, and at better terms. Today, we manage risk for 100+ businesses in construction, security, and the trades.

The domain specific AI for claims that gives leading insurers clarity and speed on the most complex claims

Acolite builds AI teammates that handle submissions, issuing COIs, and SOV mapping across any AMS. Like an extra teammate, you simply forward an email and Acolite handles the rest.

Avallon automates insurance claims operations with AI agents that handle routine calls and documents processing.

AI OS for commercial insurance brokerages.

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.

CopyCat builds AI specifically for the insurance industry. We help brokers, carriers, and MGA's move faster and more efficiently for what will soon be the next generation of insurance operations.

RiskCube helps startups and growing businesses become vendor-ready faster. We use AI-driven workflows and licensed broker to compare top U.S. carriers and deliver the insurance they need to sell into enterprise customers, pass procurement, and close deals quickly. Founders get D&O, Tech E&O, Cyber, General Liability, Product Liability, and COIs — built for AI/SaaS, Fintech, GovTech, Space, and Web3 startups creating the future. We will soon also launch health & life insurance for startups.

Corgi is a full-stack insurance carrier building better, faster insurance products for startups. We’re not a broker, so we underwrite and issue policies directly, with fewer handoffs and less friction. Cutting out intermediaries lets us tailor coverage to how your company actually operates and price risk more efficiently.

ClaimSorted helps insurance companies remove the hassle of managing claims by enabling them to outsource their claim operations to us. This service is known as a Third Party Administrator (TPA). Unlike traditional TPAs, we blend AI and best-in-class experts to deliver a 5-star customer experience, minimise mistakes and speed up claim assessment.

Healia is reinventing health insurance for dual income families. Our product enables companies to pay for the out of pocket costs of any employee that enrolls in their spouse's health insurance plan. This saves customers $10k per enrollee while providing an incredible employee perk: 100% coverage of a family's health costs. We’re now up to 50+ customers coast-to-coast with over 40k employees using our product!

Surety bonds are financial guarantees that businesses must purchase to comply with government regulations. For example, all contractors must have a surety bond to bid and work on federal construction projects. It is a $8b opportunity in the US. SuretyNow is building the surety bond platform for the 21st century. Businesses can apply for bonds and receive affordable quotes online in minutes. We offer the fastest and simplest online experience for getting surety bonds.

Eden Care is building the claims infrastructure for African health insurance

We are rebuilding the core infrastructure behind corporate health insurance, everything from care navigation, analytics, claims, and more. Fully cloud-native and AI-first. We are eager to directly impact the health and savings of 60% of the American population.

Coverage Cat, the AI-native insurance broker, fixes your coverage limits and finds cheaper premiums. We provide both AI and human support so you can get fast answers on your policy and quickly get a response from a human agent so you can protect you assets or close on a new home. The AI-first approach drives core search, support and shopping experiences to ensure you get the best prices with the correct coverage.

Pasito builds AI agents for insurance and benefits—transforming how benefits are built, delivered, and experienced. Our Core AI ingests and understands plan documents and employee census data to build structured benefit intelligence. Our Engagement AI Agents orchestrate complex workflows—powering decision support, plan comparisons, guides, highlight sheets, microsites, communications, claims reminders, RFP management, document audits, translations, and more—all from a single intelligent database. With Pasito, carriers, brokers, and benefits vendors eliminate manual work, accelerate growth, and deliver the personalized benefits experiences employees deserve—all powered by compliant, scalable AI systems. Backed by Y Combinator, Core Innovation Capital, and other leading investors.

At Stream, we’re on a mission to modernize the insurance industry. Our product—the Stream AI Claims Workbench—uses custom AI agents to turn a constant stream of PDFs into automated workflows and high-value signals. This helps claims teams focus on the human work—getting people the medical treatment they need and the benefits they’re owed—while reducing costs for insurance companies.

In Momento we are going through a challenging regulatory process to become a fully-licensed insurance carrier. By doing so, we will be able to underwrite risk, set prices and, ultimately, become owners of the product. Once approved, around summer 22, we will be in a great position to size the $13bn untapped opportunity of +30 Mn uninsured vehicles – just in Mexico! As we will be able to attack the main pain points in the market: i) antiquated underwriting models and ii) payment conditions only adapted for the affluent. To succeed, we have assembled an elite team with both innovative and experienced profiles. We are three cofounders, two ex-McKinsey and one ex-P&G, and we managed to attract two heavyweights of the Mexican insurance industry: the previous CUO of Zurich Mexico and the previous CFO and VP of Finance of ING and AXA Mexico.

PolicyFly empowers insurers to sell and manage specialty insurance in minutes instead of in weeks. Every year, $200B of specialty insurance like Cyber, Flood or Trucking is processed over email between agents and insurers – PolicyFly connects both parties to automate these workflows and to consolidate all data. We bring growth, efficiency and transparency to otherwise hard to insure markets.

Samos sells accidental death insurance for individuals undergoing surgery. Just like travel insurance but covering a hospital stay.

Curacel builds AI-driven infrastructure to help payors, TPAs and healthcare providers automate claims processing, reduce fraud, streamline operations and enhance customer experiences. Our intelligent solutions make insurance and healthcare more efficient, accessible, and scalable.

Postal offers a modern virtual mailbox for businesses. Postal provides an official address for government, IRS, and vendor communications so companies don't have to use an apartment / shared office address. Postal's AI summarizes mail and recommends compliance actions, and its marketplace of service providers are ready to perform the mundane compliance work that otherwise falls through the cracks. Companies get 6 months free (a $300 value), plus three free hours of compliance services (a $600 value).

Finnix is a financial technology solutions provider for Indonesian creative businesses. We provide loans and financial management tools for event organizers, agencies, concert promoters, and others.

At Clupp, we offer innovative insurance solutions for underserved markets. Whether it's B2C coverage for bicycle and scooter riders in Latin America, B2B SaaS solutions empowering insurance brokers worldwide, or creating new insurance products to guarantee financing for startups in the United States—we're pushing the boundaries of what's possible in the insurance industry.

Amenli is the first licensed online insurance broker in Egypt. Egypt has one of the lowest insurance penetrations in the world with a 100m population and a $2B GWP market growing 20+% YoY and a potential TAM of $10B. Over the past few months, Amenli issued 500+ policies in less than 10 mins compared to the minimum of 3 weeks industry standard. Amenli co-founders, Shady & Adham were founding team members of Paymob, one of the fastest growing payment companies in MENA. Shady was CCO and Adham was its Tech Lead and they worked together for more than 3 years to scale-up Paymob from scratch to 50K+ merchants, 5 countries and dozens of millions of monthly transactions.

Bimaplan is an affordable insurance platform for the next billion Indians. Our vision is to provide financial security to 150 million vulnerable households through contextual life and health insurance products. The growth in mobile penetration and the evolution of digital infrastructure in India has now made it possible to reach this vulnerable population. This is an $8 billion addressable market. We launched in February 2021, and went live with one insurance underwriting partner. We are on track to sell 1,000 policies in March 2021. We are backed by some of the best early stage technology investors, successful fintech founders, and insurance industry veterans. The company is founded by Vikul Goyal, a second-time founder with a successful exit track record. His previous venture, Carcrew, was acquired by TVS Group, a large automotive conglomerate in India.

Pibit.ai is an SF–based insurtech company reconstructing the art (and science) of commercial underwriting for carriers and MGAs. At the heart is the CURE™ platform, the industry’s only centralized underwriting risk environment fueled by agentic underwriting services that delivers decision-ready outcomes. It converts submissions into decisions by automating intake, triage, and data enrichment from documents and external sources while surfacing risk insights so you can win the right accounts faster, scale throughput, and reduce loss ratios. Backed by Y-Combinator, the proprietary platform serves dozens of clients across the US, enabling 85% faster underwriting, 32% increase in GWP per underwriter, and up to 700 basis points improvement in loss ratios. For details, visit pibit.ai.

Soteris is a YC-backed company with a four-person team and a great investor base building a first-of-its-kind data ML pricing system for insurance, starting with personal auto.

Tint makes it easy for tech platforms to embed insurance into their products. For example, when you go to Outdoorsy to rent an RV, the insurance that is sold with the rental is powered by our technology. Our product provides anything that is needed from underwriting software to access to insurers to compliance, in a simple API.

OrbitCover (by MedPiper Technologies, YC S20) is parametric travel insurance infrastructure. We power flight delay coverage that auto-settles payouts in under 5 minutes—with zero claims filing. Live on IndiGo today, processing ~49,000 policies/day via UPI. We operate as an MGA (licensed under IRDAI) with 25–30% commission economics and no balance sheet risk.

Goodcover provides its Members with Good Renters Insurance for 50% less than legacy companies and an Annual Dividend of the money left over after claims obligations are met. Goodcover is a Managing General Agent (MGA) that administers personal insurance on behalf of our Membership, a bit like how USAA does it. Member's premiums are pooled and used to pay claims. We take a fixed fee, and the remainder is returned in our Annual Member Dividend. We work with multi-billion dollar capital partners to ensure regulations are followed, adequate claims capital is always available, and we have emergency capacity for catastrophes. Technology allows us to eliminate waste, saving roughly 25% of the cost. We are 100% digital, but not bots - we invest in tech that enables our experts to help Members. As an Invitation Only Membership served by an MGA, **we can give Members Free Insurance** when they invite others, turning our "Marketing Budget" into savings for Members. This eliminates Lizards and Sales Agents, saving the other 25%. We do not use the standard industry models, instead using a multiperil model to more granularly price risk. This means that for a few of you we are more expensive... but everyone else pays much less than they would otherwise pay. Our granular, multiperil model allows us to offer a superior policy over the standard market including: - coverage for if your place is flooded by a neighbor - Replacement Cost Coverage (meaning new stuff for your old) - All Risk coverage for high value items you tell us about - including computers (almost no one does that amazingly) - added coverage for mold removal Our MGA business model allows us to be capital efficient, "renting" capacity as we need it. All this adds up to our government approved pricing being 40-60% cheaper on average than that of our competitors.

Insurance... sounds slow, old-fashioned, and unexciting. Exactly. Insurance is broken, and it's failing fast-moving, innovative startups. Vouch is a new, technology-first insurance company backed with $185M in funding from world-class investors. Like Stripe for payments or Brex for credit cards, Vouch is creating the go-to business insurance for high-growth companies. We're doing this by making insurance fast, responsive, and focused on our high-growth and innovative customers. Instead of printed PDF applications and week-long waits, Vouch is building new technology to solve real problems, writing policies that actually cover relevant startup scenarios, and designing simple experiences in an otherwise frustrating industry.

AI Insurance is the platform that small-to-midsize insurance companies use to run every part of their business. Before we showed up, they used spreadsheets and filing cabinets – wasting as much as 60% of revenue on administrative expenses. We’re doing what Salesforce did for SMB sales teams, but we’re tapping into the over 10,000 insurance companies that waste $238 Billion dollars annually.

WeatherChecks application tells anyone when severe hail is about to strike and when it has in fact impacted a property. Using state of the science technologies we compute and analyze geo-weather data faster than every weather company globally. This allows companies, insurance companies specifically to gain dynamic insight into their overall exposure and enabling them to respond more quickly and efficiently to disaster.

At SafetyWing, we’re building a global social safety net for remote workers—simple health, insurance, and retirement products designed to replace national welfare systems.

SafeButler is a free comparison tool that searches hundreds of insurance websites at once to find the information you need to make the right decisions on insurance

Jerry makes it really easy to save time and money on car expenses. The car ownership super app first launched its AI- and machine-learning-based car insurance compare-and-buy service in 2019. Today, Jerry serves more than 3 million customers as a licensed insurance broker and an authorized auto refinance provider, while also offering free telematics-based driver safety and repair estimator services. The fastest, easiest and only automated way to compare and buy car insurance, Jerry gives you customized quotes from more than 55 insurance carriers in 45 seconds. Customers skip all the long forms and unwanted human interaction while Jerry hunts for better rates and completes the transaction, saving more than $800 per year. In 2022, Jerry launched its auto refinancing marketplace, which can help customers lower their monthly car payments, on average, by $118 dollars. Jerry is scaling its car insurance and auto refinance products and expanding its marketplace into new categories, removing friction from additional car ownership needs. Jerry will be the only app car owners need to manage all their car expenses. Headquartered in Palo Alto, the company has offices in Toronto, and Lockport, NY, and has removed physical location from recruiting restraints to attract talent.

Ledger Investing provides an exciting opportunity for asset managers, pension funds, hedge funds, family offices and other institutions interested in earning a great return through insurance investing. The company deploys proprietary software and data analytics covering many types of insurance risk portfolios. The technology enables insurers to securitize risk more efficiently while providing investors, asset managers, pension funds, hedge funds, family offices, and other institutions an opportunity to invest in a new and growing asset class. Ledger Investing was founded by Julien Brissonneau, Aymeric Rabot and Samir Shah in 2016.