Harper is an AI-native commercial insurance brokerage (YC W25) that matches small-to-mid-sized businesses with carriers for coverage such as workers' compensation and general and professional liability. AI handles application reading, submission routing, and underwriter follow-up, with licensed humans approving final decisions.
Key features: AI application reading and submission routing · Access to a broad carrier panel · Automated underwriter follow-up · Licensed human oversight of decisions
Pros: AI-native brokerage workflow · Broad carrier access for SMB commercial · Human-in-the-loop on binding
Cons: Early-stage (founded 2024) · Brokerage premiums vary; no public pricing
Pricing: Quote-based, not publicly listed.
Best for: SMBs seeking commercial insurance
Audience: broker
