Akash Agarwal is the Founder and CEO of Pibit.AI, a Y Combinator-backed insurtech company revolutionizing commercial insurance underwriting through AI. Building on a childhood watching his father toil as an insurance agent buried in paperwork, Akash set out to automate the most labor-intensive parts of underwriting. Pibit.AI's CURE platform - Centralized Underwriting Risk Environment - processes loss runs, submission documents, and risk data at machine speed, helping insurers cut underwriting cycle times by up to 85% and improve loss ratios by up to 700 basis points. After raising a $7M Series A led by Stellaris Venture Partners in November 2025, with participation from Y Combinator and Arali Ventures, the company is scaling its AI models and data partnerships to reshape how the $1T+ P&C insurance industry makes risk decisions.
Rushil Goel is the CEO and Co-founder of Nirvana Insurance, an AI-native commercial trucking insurance company valued at $1.5 billion after a $100M Series D in December 2025. Before founding Nirvana, he spent five years at Samsara scaling fleet telematics from zero to $400M+ ARR, where he spotted the gap between how much safety data existed and how little insurance companies used it. An IIT Bombay CS grad with a Wharton MBA, Goel has built two companies and scaled products across India and the US - from mobile payments at Ola to connected fleet operations - before channeling everything into rebuilding commercial insurance from the ground up.
Pibit.AI is a San Francisco-based insurtech building CURE, an agentic AI platform that automates the messy middle of commercial insurance underwriting - intake, document parsing, risk research, and workflow orchestration - for carriers and MGAs. Founded in 2020, Y Combinator-backed, and now Series A funded.
Arjun Mangla is the Co-Founder and CEO of Fulcrum, an AI-powered workflow automation platform that is quietly transforming how commercial insurance brokers operate. A Columbia-trained computer scientist turned McKinsey consultant, Mangla left a high-flying advisory career to tackle one of corporate America's most overlooked inefficiencies: the manual, error-prone drudgery of insurance policy checking and proposal generation. Under his leadership, Fulcrum has captured nearly a third of the top 50 U.S. insurance brokers as customers, raised $25M in total funding led by CRV, and grown revenue 5x in six months - all by making insurance brokers dramatically faster and more accurate without replacing the humans who know their clients.
Graham Topol is Co-Founder and Co-CEO of MGT Insurance, the AI-native neo-insurer he built with his brother Michael to fix commercial P&C insurance for America's 35 million small businesses. Before MGT, he sharpened his eye for pattern recognition at FTV Capital's $6.2B fund, helped scale Newfront Insurance past a $2B valuation, and cut his teeth in M&A at Morgan Stanley. Harvard Economics (cum laude) and Stanford GSB MBA in his back pocket, he now runs a company that compressed the traditional two-week insurance quoting process into two minutes - and reached profitability in under two years after raising a $21.6M oversubscribed Series B in October 2025.
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.