Harper (YC W25)
About Harper (YC W25)
Harper is an AI-native commercial insurance brokerage that automates the entire workflow, from prospecting to binding and ongoing service. Its platform, Harper Hub, uses AI to complete forms, identify optimal carriers, and manage client communications, enabling faster, cheaper, and more comprehensive coverage for businesses with complex risks.
<problem>Commercial insurance brokerage suffers from manual, time‑consuming processes, redundant applications, and limited market access, leading to poor customer experiences and difficulty scaling, especially for businesses with complex or “uninsurable” risks.</problem> <solution>Harper builds an AI‑native commercial insurance brokerage that automates the entire workflow—from prospecting and quoting to binding and ongoing service. Its internal AI suite, Harper Hub, completes forms automatically, identifies optimal carriers and underwriters, and manages client communications. By leveraging data and deep market access, Harper can match businesses to a broader set of insurers faster and at lower cost. The platform achieves an 85% success rate for companies traditional brokers deem uninsurable and 100% placement success for tech E&O policies without AI exclusions. This creates a scalable, efficient brokerage that delivers smarter, faster, and cheaper coverage.</solution> <features> - AI‑driven form auto‑completion to eliminate manual data entry - Automated carrier and underwriter selection using market‑wide data - Integrated client communication management for seamless service - Harper Hub platform that orchestrates prospecting, quoting, binding, and post‑bind support - High success rates: 85% for “uninsurable” businesses, 100% for tech E&O policies - Coverage across multiple lines: general liability, tech E&O, product liability, workers’ comp, and other commercial insurance - Multi‑state capability handling complex, multi‑jurisdictional requirements </features> <target_audience>Mid‑sized businesses with complex commercial insurance needs, including sectors such as aerospace, defense, industrial manufacturing, and other high‑risk industries that struggle to obtain coverage through traditional brokers.</target_audience> <revenue_model>Harper generates revenue through standard brokerage commissions on the premiums it places for its clients.</revenue_model> <traction>Since acquiring its first customers in October 2024, Harper has written over $6 million in annualized premiums across 35 states and maintains an 85% success rate with businesses considered uninsurable by traditional brokers.</traction> <sources> - https://www.ycombinator.com/launches/Mul-harper-ai-native-commercial-insurance-brokerage - https://www.harperinsure.com/ - https://www.ycombinator.com/companies/harper </sources>
What does Harper (YC W25) do?
Harper is an AI-native commercial insurance brokerage that automates the entire workflow, from prospecting to binding and ongoing service. Its platform, Harper Hub, uses AI to complete forms, identify optimal carriers, and manage client communications, enabling faster, cheaper, and more comprehensive coverage for businesses with complex risks.
Where is Harper (YC W25) located?
Harper (YC W25) is based in San Francisco, United States.
When was Harper (YC W25) founded?
Harper (YC W25) was founded in 2024.
How much funding has Harper (YC W25) raised?
Harper (YC W25) has raised 1000000.
- Location
- San Francisco, United States
- Founded
- 2024
- Funding
- 1000000
- Employees
- 22 employees
- Major Investors
- Y Combinator