Insurance Startups funded by Y Combinator (YC) 2025

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.

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.

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 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.

Our platform makes it simple for small businesses to compare top-rated business insurance providers, buy the right coverage online, and manage policies all in one place. If you're a carrier interested in partnering, send us a DM.

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

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.

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.

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.

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.

Amera automates claims processing for health insurance payers, converting messy data into clean, usable formats that speed up operations, reduce costs, and make them more transparent. We are already working with payers representing tens of thousands of members, giving them access to more affordable care options.

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.

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.

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).

Eden Care is building a digital health insurer for employers in Africa. Today, health insurance operation costs in Africa are 2.2x the global average. Eden Care is cutting this by 43% making health insurance cheaper. The $11Bn African health insurance market is projected to grow to $72Bn in just 12 years. We are targeting 90 million uninsured African employees.

Casey is the fastest way for commercial insurance brokers to submit complex risks. We automate client data collection, build risk profiles, and prepare carrier-ready submissions for wholesalers and underwriters in minutes.

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.

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

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.

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.

Axle is Plaid for insurance - a universal API for insurance data. With Axle, companies can instantly verify insurance and monitor ongoing coverage, helping them reduce operational cost while creating a frictionless experience for users. Axle is backed by leading investors including Y Combinator and Gradient Ventures, Google's AI-focused venture fund, and angels from industry leaders like Plaid and Cox Automotive.

KorrAI helps asset owners and property insurers see hidden risks in critical infrastructure before they become costly failures. We use satellite data and AI to remotely monitor mines, railways, data centers, and other complex assets making infrastructure risk visible, early, and actionable.

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.

Corgi the AI financial infrastructure company. We are headquartered in San Francisco, with offices in Salt Lake City, Dallas, Chicago, and Atlanta.

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.

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.

Harvey for insurance - AI that automates insurance claims and stops wrongful payouts We've spent the last decade battling legacy systems and dogma across highly regulated sectors of the financial industry. Between the three of us we have experience from scaling Europe’s fastest-growing InsurTech and founding a licensed bank (EBA CRD CI).

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.

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!

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.

Vantel builds AI software for commercial insurance brokers. Our first product doubles their productivity by automating policy analysis and contract review.

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.

Fernstone is an AI-powered insurance brokerage for businesses. We are competing with the 40K insurance brokers that sell $500B in commercial premium each year. Before starting Fernstone, Luke and James met at Traba (Series A) when they started on the same day. James created and led Traba’s Enterprise function, growing it to 25% of company revenue. Luke led a Growth team, closing some of Traba’s largest customers like JB Hunt and Kimberly Clark. Bryant, James’ classmate from high school, was a Software Engineer at Sentilink and Google.

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

[The AI-native insurance broker](https://www.coveragecat.com?utm_source=bookface) fixes your coverage 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.

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.

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.

Catamaran uses AI to help people make clearer, faster decisions about risk. Our platform brings all internal and external risk data into one easy-to-understand workspace. By automating data gathering, checking, and scenario testing, we help insurers, reinsurers, brokers, and investors quickly understand and manage their risks. Catamaran also provides a regulated marketplace to easily buy, sell, and manage insurance coverage.

Stream enables insurance and adjacent professionals such as lawyers, nurses, and claim adjusters to review medical documents faster and better than ever before.

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.

Savvy is a health benefits product offering employees payment cards to buy their own health insurance. One of the first to market after new regulation, Savvy scaled to $10s of millions in volume and expanded into all 50 state health insurance markets. Savvy was backed by Y Combinator, Marc Andreessen, and the founders of One Medical and Indeed. In 2022, the company was acquired by Take Command, the leading incumbent in the health insurance HRA space.

Verak is now part of InsuranceDekho as of April 2023. Verak offered next day coverage starting at ₹8 per day for MSMEs in India to insure any facility (shop, warehouse, factory etc) against 15+ natural & man-made perils. (*) Our team worked across the entire insurance value-chain: From satellite based underwriting to machine learning based pricing to instant quotation to WhatsApp based claims.

Surematics is helping commercial insurance brokers structure complicated deals online. Homeowners and car insurance are enough of a nightmare for most of us to handle but Surematics is targeting even more difficult cases — awkward expensive items like oil rigs. With a dash of blockchain, the startup wants to allow companies to collaborate together to create enforceable contracts.