Overview
Harper is an AI-native commercial insurance brokerage. It combines insurance specialists with software that supports market selection, quoting and administration, helping businesses place coverage through a coordinated brokerage service.
What Harper does
Harper works with businesses that need commercial insurance, including operators whose risks do not fit a simple online quote. A specialist learns about the business, approaches the relevant insurance markets and explains the available options before the customer chooses coverage.
The coverage range includes general liability, professional liability, garage liability, commercial auto and other business-specific policies. Harper’s role is to find and arrange the policy rather than ask the customer to compare disconnected insurer applications themselves. Its service also covers the practical work involved in placing the selected coverage.
The company describes AI as part of the brokerage’s operating infrastructure. Its systems support repeatable insurance workflows while learning from broker expertise. This makes the operating model a combination of specialists and automation, with a named contact handling the customer relationship.
Differentiation
Compared with a self-service quote site
Harper provides a brokerage service with a specialist who learns the business and works the available markets. The customer receives an explained set of options rather than only a list of prices.
Compared with broker software
Harper undertakes the insurance placement work itself. Its AI supports its own brokerage operation instead of being sold only as software for another broker to run.
Track record
Y Combinator lists Harper as an AI-native commercial insurance brokerage. Harper’s February 2026 announcement reports $47M across seed and Series A financing, led by Emergence Capital.
Company details
- Headquarters
- San Francisco, California, United States
- Founded
- 2024
- Team size
- 25 (YC listing)
- Stage
- Series A
- Funding
- $47M combined Seed and Series A
Founders & leadership
Investors & backers
$47M in combined seed and Series A financing announced in February 2026, led by Emergence Capital.
Emergence Capital
Y Combinator- Peak XV
- Antler
