Harper

AI-native commercial insurance brokerage

harperinsure.com

HQ: San Francisco, CA, USA

11-50

Fintech

Company research

Public company, workplace, funding, and market signals

Updated Aug 2, 2026

Overview

Harper is an AI-native commercial E&S insurance brokerage founded in 2024. It uses proprietary AI, data, and broad carrier-market access to place coverage for small and midsize businesses—especially complex or hard-to-place risks—while retaining the broker/customer relationship. Company-reported traction includes 5,000–7,000 customers, 165+ underwriters, and 24–48-hour placement targets.

Primary product

AI-powered commercial insurance brokerage and placement service, including Harper Hub for application/form automation, carrier matching, communications, and workflow management. Coverage includes general liability, professional liability/E&O, cyber, property, commercial auto, workers’ compensation, inland marine, umbrella/excess, bonds, garage liability, and business owners policies.

Founded

2024

Headquarters

San Francisco, California, United States

Team size

Approximately 25–53; sources vary by date and methodology.

Industry

Insurance

Sub-industry

Commercial E&S insurance brokerage / insurtech

Offices

San Francisco, California, United States

New York, New York, United States

Business model

Brokerage commissions and insurance-placement revenue from carrier partners

AI-enabled, software-margin operating model for commercial insurance brokerage

Direct-to-business insurance application, quoting, binding, and servicing

Customer portal and insured-business marketplace services

Funding

Stage

Series A / venture-backed

Total raised

$46.8M

Latest round

Combined Seed and Series A · Feb 2026

Latest amount

$46.8M

Seed

Feb 2026 · Emergence Capital

Series A

Feb 2026 · Emergence Capital

Combined Seed and Series A

Feb 2026 · Emergence Capital

$46.8M

People & investors

Leadership

Co-Founder & CEO

Co-Founder & CTO

Founding Partner

Head of Marketing

Investors

Work & culture

Public evidence indicates a high-intensity startup culture; a LinkedIn-derived company profile references very long workweeks for the core team. No reliable public, complete benefits document was located.

Compensation

Y Combinator lists technical-role compensation of approximately $100,000–$275,000 plus equity. No comprehensive company-wide compensation bands were found.

Product & market

Pricing

No public fixed-price schedule; customers request quotes and Harper places policies with carrier partners. Pricing is risk- and coverage-dependent, with Harper marketing competitive rates.

Differentiators

—AI-native brokerage rather than software sold to incumbent brokers
—Uses data and 1M+ quote-intelligence datapoints plus 100k+ prior customer interactions, according to company claims
—Access to 165+ underwriters across admitted, E&S, and specialty markets
—Targets complex or hard-to-place risks that standard markets may decline
—24–48-hour placement target versus reported traditional 5–7-day process
—Owns the workflow from submission through binding and service
—Personal broker support combined with AI-assisted operations

Technology

Proprietary AI-native insurance workflow automation

Python

TypeScript

React

AWS Lambda

ClickHouse

SQL/NoSQL

dbt

Playwright

Salesforce

Salesforce Marketing Cloud

HubSpot

Jira

Confluence

Looker

Amplitude

Mixpanel

Google Analytics

Five9

Zapier

Customers

Small and midsize businesses

Daycares

Manufacturers

Car dealerships

Local restaurants

Technology and emerging/complex ventures

Aerospace, defense, and manufacturing businesses

Consumer goods and retail companies

Care providers and hospitality businesses

Professional and financial services firms

Competitors

Brown & Brown

Marsh

Arthur J. Gallagher

Traditional commercial insurance brokerages

Digital small-business insurance platforms

Scale & contact

Estimated revenue

Approximately $5M–$10M ARR as of April 2026, based on investor-reported traction; older third-party estimates were materially lower and should be treated as stale.

Estimated monthly visits

21.5K

Traffic estimate as of Jun 2026

harper@harperinsure.com (470) 839-4314

Latest news

Investing in Harper: The AI-Native Brokerage Rebuilding Insurance

Untapped Ventures · Apr 2026

Investor update reports more than $5M ARR, 24–48-hour processing, AI-driven workflow automation, and the broader investor group.

We’re Announcing $47M to Build the Insurance Company Every Business Deserves

Harper · Feb 2026

Harper’s official announcement describes the combined funding, its AI-native brokerage model, 165+ underwriters, and 24–48-hour placement objective.

Y Combinator grad and AI insurance brokerage Harper raises $47M

TechCrunch · Feb 2026

Reports Harper’s $46.8M combined Series A and seed financing, Emergence Capital’s lead, the founders, AI-enabled brokerage model, and customer traction.

AI-native retail broker Harper emerges from stealth with $46.8 million backing

The Insurer · Feb 2026

Places Harper in the commercial E&S market and describes its ambition to become an AI-native alternative to large brokers for small businesses and difficult risks.

Harper: AI-native commercial insurance brokerage | Y Combinator

Y Combinator

YC's company page presents Harper as a Winter 2025 company, describes its AI-native commercial insurance brokerage model, and notes early traction across states and annualized premiums.

Jobs and careers at Harper

28 jobs at Harper

Customer Service Representative

On-site

Operations

San Francisco; San Francisco, California, United States

1w ago

On-site

Full-time