Harper

Harper

Tailored business insurance and risk assessments

About Harper

Simplify's Rating
Why Harper is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Data & Analytics

Consulting

Financial Services

Company Size

51-200

Company Stage

Series A

Total Funding

$47.1M

Headquarters

San Francisco, California

Founded

2017

Overview

Harper Insure is a business-focused insurance partner that helps companies manage risk with tailored insurance solutions. It connects clients to experienced insurance concierges who conduct comprehensive risk assessments and design insurance plans aimed at protecting against unforeseen events and maintaining financial stability. The product works through personalized, concierge-style service rather than off-the-shelf policies, likely using client data and analytics to tailor recommendations. Harper Insure differentiates itself by offering a highly personalized, B2B risk-management approach rather than generic coverage, leveraging advisory expertise to address complex corporate insurance needs. The company’s goal is to provide peace of mind for businesses by ensuring appropriate coverage and strong financial protection, contributing to economic stability, resilient operations, and adherence to sustainable development goals through secure employment and robust infrastructure.

YC Company
Simplify Jobs

Simplify's Take

What believers are saying

  • Raised $47M Series A from Emergence Capital in February 2026.
  • Served over 5,000 businesses in 13 months, targeting 100,000 by 2026-end.
  • Underwriters praise AI submissions for higher quality and faster processing.

What critics are saying

  • Traditional brokers complain to regulators, forcing reclassification in 6-12 months.
  • Carriers like Lemonade launch direct SMB platforms, eroding Harper's moat in 12-24 months.
  • AI underprices complex risks, triggering carrier disputes in 6-18 months.

What makes Harper unique

  • Harper's AI platform automates quoting across 160+ carriers in 1-2 days.
  • Autonomous brokerage handles 1,000 customers monthly versus brokers' 20-30.
  • Serves complex sectors like manufacturing, healthcare, construction since 2024.

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Funding

Total Funding

$47.1M

Above

Industry Average

Funded Over

2 Rounds

Notable Investors:
Series A funding typically happens when a startup has a product and some customers, and now needs funding to scale. This money is usually used to grow the team, expand marketing, and improve the product. Venture capital firms are frequently the main investors here.
Series A Funding Comparison
Above Average

Industry standards

$15M
$8.2M
Discord
$15M
Canva
$30M
Kalshi
$35.3M
Harper

Benefits

Remote Work Options

Flexible Work Hours

Professional Development Budget

Company News

Kizhakedath Media Services
Feb 26th, 2026
Venture Capital Funding: Harper, Verley, Union.ai

Venture capital funding: Harper, Verley, Union.ai. 26/02/2026 Several tech startups - Harper, Verley, Union.ai, among others, have announced their venture capital funding to bolster innovation and business growth. Harper Raises $47 mn AI-enabled insurtech startup Harper raised approximately $47 million in a Series A financing led by Emergence Capital, with participation from Y Combinator and Peak XV Partners. Harper's autonomous brokerage platform automates quoting and issuing commercial insurance policies with minimal human intervention across more than 160 carriers. The funding will fuel product development, market expansion, and the enhancement of AI-based brokerage workflows. Founded by entrepreneurs with deep insurance and technology experience, the raise highlights growing investor confidence in AI solutions that streamline complex financial services operations. Verley Raises $38 mn French food tech startup Verley raised $38 million in a Series A round led by Alven, with backing from Blast Club and Bpifrance. Founded by food science and biotech innovators, Verley uses precision fermentation to produce sustainable whey protein alternatives with lower environmental impact. The capital will support scaling production and prepare for global commercial launches targeting nutrition and food manufacturing markets. The funding demonstrates VC interest in food technology that addresses sustainability and climate impact while meeting commercial demand. Union.ai Raises $38.1 mn AI infrastructure startup Union.ai closed a $38.1 million Series A round led by NEA (New Enterprise Associates), with participation from Nava Ventures and Mozilla Ventures. Union.ai is the developer of Flyte, an open-source platform that orchestrates AI and ML workflows, enabling scalable and production-ready pipelines for enterprise developers. The funding will be used to launch Union 2.0 and improve core platform capabilities, including full Python support and enhanced debugging tools. This investment underscores VC support for tools that help organisations operationalise AI at scale. THASNIYA VP Baburajan Kizhakedath is the editor of InfotechLead.com. He has three decades of experience in tech media. Discover more

Harper Insure
Feb 26th, 2026
We're Announcing $47M to Build the Insurance Company Every Business Deserves | Harper News

Harper announces $47M in Seed and Series A funding led by Emergence Capital. Learn how we're building AI-powered insurance to serve every business in America.

TechCrunch
Feb 25th, 2026
Y Combinator grad Harper raises $47M for AI-native insurance brokerage

Harper, an AI-native insurance brokerage founded by Y Combinator graduate Dakotah Rice, has raised $46.8 million in combined Series A and seed rounds led by Emergence Capital. The company has raised $54 million to date, with backing from YC and Peak XV Partners. Launched in 2024 as part of YC's W'25 batch, Harper operates as an almost fully autonomous licensed commercial insurance agency, matching small and mid-sized businesses with over 160 carriers for workers' compensation, general liability and professional liability. The platform completes tasks in one to two days that typically take traditional brokers five to seven days. Harper handles over 1,000 customers monthly and has served more than 5,000 customers to date. The funding will expand Harper's engineering team and brand growth as it targets middle America businesses.

Abdalrahman Behairy
Feb 25th, 2026
Y Combinator grad and AI insurance brokerage Harper raises $47M

Y combinator grad and AI insurance brokerage Harper raises $47M. On February 25, 2026 Harper is an AI-native insurance brokerage that just raised a $45 million combined Series A and seed, after a member of YC's Winter 2025 cohort.

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