# Harper Insurance

> Harper (YC W25) is an AI-native commercial insurance brokerage that turns the $100B+ industry of email and spreadsheets into a fully autonomous engine for Main Street America. Co-founded by Dakotah Rice and Tushar Nair — two Goldman Sachs alumni who swore they'd never work in insurance — Harper uses its internal AI platform, Harper Hub, to automate form completion, carrier matching across 160+ carriers, underwriter follow-ups, and client communications. The result: 1–2 day quotes instead of 5–7, 85% success rate on traditionally 'uninsurable' cases, 5,000+ businesses covered across 35 states, and 1,000+ customers handled per month versus 20–30 for a typical human brokerage. Backed by $54M in total funding led by Emergence Capital, Peak XV, and Y Combinator. Named after Dakotah's mother's maiden name.

- **Founded:** 2024
- **Headquarters:** San Francisco, California, USA
- **Founders:** Dakotah Rice (Co-Founder & CEO), Tushar Nair (Co-Founder & CTO)
- **Team size:** ~25 people. Actively hiring — 14 open roles across Engineering, Sales, Operations, Product, Recruiting, and Support.
- **Products:** Harper Hub (Internal AI Platform), Automated Form Completion, Carrier Matching at Scale, General Liability, Professional Liability (E&O)
- **Notable:** Accepted into Y Combinator Winter 2025 — the most competitive class in YC history, Raised $54M total (Seed + Series A) led by Emergence Capital and Peak XV, 5,000+ businesses covered across 35 states within ~18 months of founding

## Products & services

- **Harper Hub (Internal AI Platform)** — The flagship AI engine that powers everything. Automates form completion, carrier matching across 160+ carriers, underwriter follow-ups, submission routing, document collection, pipeline tracking, and client communications. Handles 1,000+ customers per month. Gets smarter with every interaction.
- **Automated Form Completion** — Applications that used to take days are completed automatically — no human bottlenecks, no transcription errors.
- **Carrier Matching at Scale** — AI synthesizes across 160+ carriers simultaneously — weighing appetite, pricing patterns, and underwriting behavior in real time.
- **General Liability** — Core commercial coverage without padding, exclusions, or fine-print traps.
- **Professional Liability (E&O)** — 100% placement success on Tech E&O policies — including AI companies, without AI exclusions.
- **Garage & Commercial Auto** — Single vehicle to full fleet coverage. Garage liability for service and storage.
- **Commercial Property** — Protection for buildings, equipment, and inventory.
- **Cyber Insurance** — Defense against data breaches and digital threats for businesses running on software.
- **Umbrella & Bonds** — Extra liability layers and surety bonds to secure contracts and financing.

## Achievements

- Accepted into Y Combinator Winter 2025 — the most competitive class in YC history
- Raised $54M total (Seed + Series A) led by Emergence Capital and Peak XV
- 5,000+ businesses covered across 35 states within ~18 months of founding
- 1,000+ customers handled per month with ~25-person team
- 1–2 day quote turnaround vs. 5–7 day industry average
- 85% success rate on cases traditionally deemed 'uninsurable'
- 100% placement success on Tech E&O policies without AI exclusions
- $6M+ in annualized premiums written within weeks of first customer onboard
- Covered by TechCrunch, Emergence Capital investor thesis
- Featured in YC W25 Demo Day

## Latest updates

- **February 2026** — Announced $46.8M combined Seed + Series A, bringing total funding to $54M. TechCrunch coverage.
- **Winter 2025** — Completed Y Combinator W25 batch — the most competitive in YC history.
- **2025** — Scaled to 5,000+ businesses covered, 1,000+ customers/month, 35 states licensed.
- **October 2024** — First customers onboarded. Within weeks: $6M+ in annualized premiums written.
- **August 2024** — Harper founded by Dakotah Rice and Tushar Nair.
- **Ongoing** — Actively hiring — 14 open roles across engineering, sales, operations, product, recruiting, and support.

## Links

- Website: https://www.harperinsure.com
- LinkedIn: https://www.linkedin.com/company/harperinsure

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Profile page: https://yespress.io/harper-insurance
Published by YesPress — https://yespress.io
Last updated: 2026-04-01