The Syracuse brokerage has spent decades turning a once-a-year insurance purchase into an always-on operating discipline - combining coverage, claims, benefits, HR and prevention under one roof.
It spends more on advertising than most firms bill in a year, recovered $25 billion for clients, and put its own name on a promise: for the people, not the powerful. Inside America's largest personal injury firm.
The Hartford has spent 216 years learning how America breaks, rebuilds and gets back to work. Its next act is narrower, more digital and still built around an old-fashioned promise: price risk before trouble arrives, then show up when it does.
EMC built a $2.05 billion commercial insurance book without abandoning the local agent. Now the 115-year-old mutual is betting that better software can create more time for judgment, prevention and the human conversations that follow a loss.
Travelers sells a familiar promise under a red umbrella. Behind it sits a 170-year experiment in pricing uncertainty - powered by agents, engineers, claims professionals, data and, increasingly, an insurance-trained language model.
Avallon AI is a New York-based Y Combinator (Spring 2025) startup building AI agents that automate insurance claims operations from intake to resolution. Its agents answer phones, chase down employers and providers, read medical reports, and enter data directly into claims systems - work that traditionally consumes weeks of adjuster time. Avallon sells to insurance carriers, MGAs, and third-party administrators (TPAs), and raised a $4.6M seed round led by Frontline Ventures in November 2025.
CoverForce is a New York-based insurtech building the digital infrastructure that connects commercial insurance carriers, agencies, and wholesalers. Its API marketplace and white-label platforms let brokers instantly quote, compare, pay, bind, and issue commercial policies - collapsing month-long, paper-based workflows into minutes across lines like workers' compensation, general liability, cyber, and business owner's policies. Backed by Insight Partners and Nyca Partners, the company supports thousands of agencies and integrates with national carriers including AmTrust, Chubb, Liberty Mutual, and Travelers.
Foresight is a San Francisco-based commercial insurtech that ties safe work practices to insurance savings. It writes workers' compensation coverage for hard-to-place middle-market businesses in industries like construction, manufacturing, agriculture and landscaping, bundling its Safesite safety platform, virtual safety coaching and AI-informed underwriting into every policy to prevent injuries, reduce claims and lower rates.
David Fontain is the co-founder and CEO of Foresight, a San Francisco insurtech that pairs workers' compensation coverage with its own safety technology, Safesite. An Australian who grew up on the Gold Coast and started out in investment banking, he built Foresight after a childhood friend died in a preventable workplace accident. The company underwrites for hard-to-place middle-market businesses in industries like construction and manufacturing, using an 'engage and save' model that rewards safer companies with faster premium relief. Foresight has raised tens of millions from investors including OMERS Ventures, and its technology is credited with cutting workplace incident frequency by double digits.
Jopari Solutions is a Concord, California health information technology company that electronifies the medical claim lifecycle - bills, attachments, remittances and payments - for the property and casualty, workers' compensation, auto medical and group health insurance markets. Founded in 2003 by Steve Stevens, Jopari runs a connectivity network linking more than 5,000 insurance payers with roughly 1.5 million providers, replacing paper-based claim processing with straight-through electronic transactions. In April 2026 it was acquired by Office Ally, a New Mountain- and Francisco Partners-backed clearinghouse, from growth-equity firm WestView Capital Partners.
CompScience is a San Francisco-based insurtech that runs computer vision and generative AI on a company's existing security cameras to spot more than 50 workplace hazards before they become injuries. It pairs that 'Visual AI' safety analytics with an active commercial workers' compensation insurance product, rewarding employers who act on the data with better insurance economics. The company says its system gives safety leaders roughly 300 times more data than a traditional walkthrough inspection, and it has set a public goal of preventing one million workplace injuries by 2035.
Harper is an AI-native commercial insurance brokerage based in San Francisco that matches small and mid-sized businesses with more than 160 insurance carriers for workers' compensation, general liability, and professional liability coverage. Founded in 2024 by second-time founders Dakotah Rice and Tushar Nair and backed by Y Combinator (W25), Harper uses internally built AI to automate submission routing, form completion, underwriter follow-ups, and document collection - work that often takes traditional brokers five to seven days and that Harper aims to do in one to two. The company has served more than 5,000 businesses across 35 states and raised $47M in combined seed and Series A funding.
Josh Butler is the founder and CEO of CompScience, a San Francisco AI company that turns ordinary workplace cameras into a real-time safety system. He was building perception software for self-driving cars when a family member was badly hurt on a construction site, and he redirected that same computer-vision technology toward stopping workplace injuries. Today CompScience detects more than 50 behavioral and environmental hazards on camera, bundles the analytics into a workers' compensation insurance product, and counts hundreds of enterprise customers across construction, manufacturing, warehousing and food service.
Glow is a San Francisco insurtech rebuilding workers' compensation insurance for small businesses. Founded in 2018 by Samad Wahedi, the company combines a digital platform, payroll-integrated pay-as-you-go billing, and a concierge claims experience to give the people who run America's small businesses coverage that's faster to buy, fairer to price, and friendlier to use.
Hourly is a Palo Alto-based fintech platform that combines payroll, workers' compensation insurance, and time tracking into a single mobile-first system built for small businesses with hourly workers. Its pay-as-you-go workers' comp model calculates premiums against actual wages in real time, eliminating year-end audits and helping employers avoid overpaying. Founded in 2018 by Tom Sagi, Shay Litvak, and Amir Faintuch, the company raised $39M+ and serves 500+ businesses across construction, manufacturing, transportation, and similar industries. In July 2025, Hourly was acquired by Israeli insurtech WeSure in a deal valued at approximately $168M.
Samad Wahedi is the Founder and CEO of Glow, a San Francisco-based insurtech company reimagining workers' compensation and small business insurance. After a 25-year career building and selling technology companies - from InsWeb's IPO to selling DirectQuality in 2007 - Wahedi launched Glow in 2018 when he saw family members trapped by outdated, overpriced insurance solutions. Glow has since raised $41.5M in total funding, grown to 280 employees, and built a platform that syncs directly with payroll to deliver concierge-level insurance coverage at 20%+ savings for small businesses across the U.S.

Mat Malone is the Chief Executive Officer of DataCare, a San Jose-based healthcare software company specializing in workers' compensation and medical management platforms. With over two decades at the company - rising from early engineering roles to Director of Engineering, Vice President of Engineering, and ultimately CEO - Malone has guided DataCare through large-scale platform modernization and the integration of advanced automation and AI capabilities into its flagship Ahshay! software suite. He holds a BS in Computer Science from UC Santa Cruz and brings deep technical fluency to a leadership role that sits at the intersection of complex regulatory compliance, clinical workflow optimization, and enterprise software development.
Steve Stevens (full name: John 'Steve' Stevens) is the Founder, Chairman, and CEO of Jopari Solutions, Inc., a Concord, California-based healthcare IT company he built from the ground up in 2003. Over more than two decades, Stevens transformed Jopari into a dominant force in electronic medical claims, attachments, and payment processing for Property & Casualty, Workers' Compensation, and Group Health markets - connecting 1.5 million healthcare providers with over 5,000 insurance payers and facilitating more than $1 billion in annual payments. In April 2026, Jopari was acquired by Office Ally, capping a career in which Stevens has raised over $100 million in private capital and helped pioneer digital healthcare claims workflows.