Fernstone

AI-native insurance brokerage.

2.9Score#380 of 999 agents#5 of 15 in Insurance broker

Why it ranks #380

Fernstone, an AI insurance broker from YC F25, ranks #380 of 999 AI agents and #5 of 15 in Insurance broker, with a score of 2.9 of 10. Data as of 3 Oct 2026.

The score adds four parts, each 0 to 10, by weight. Every point comes from public evidence. How scoring works ·

Proof 2 × 30% 0.6
Scale 3 × 30% 0.9
Momentum 2 × 25% 0.5
Autonomy 6 × 15% 0.9
= 2.9

Proof
Do customers use it? 30% of the score
2
Claims a customer count.
- +2
  A customer count
  “Today, we manage risk for 500+ businesses in construction, security, and the trades.”
  YC page
Not found: revenue or growth (+4), named customers (+3), a customer result (+2), work done at scale (+2)
Scale
Is there a real company behind it? 30% of the score
3
5 people.
- +3
  5 people on its YC page5 to 9 people
Not found: funding round in its news (+3)
Momentum
Is it shipping and growing now? 25% of the score
2
Shows hiring.
- +2
  Hiring: 4 open rolesFounding Sales Development Representative, Founding Growth & Ops Lead, Founding EngineerYC page
Not found: launch YC post in the last 6 months (+3), new traction claim in the last 6 months (+2), funding news in the last year (+2), a batch in the last year (it is YC Fall 2025) (+1)
Autonomy
How much of the job does it do on its own? 15% of the score
6
Supervised agent: takes actions in other systems; a person approves key steps.
- +6
  Level 2 of 4: Supervised agentTakes actions in other systems; a person approves key steps.
What the model read
- Acts in other systems: 57% likely
- Finishes whole tasks: 16% likely
- Calls itself an agent: 3% likely
- An AI-native service: it sells the finished work, so it counts as an agent at any level
Level 2: Takes actions in other systems; a person approves key steps.

About Fernstone

Fernstone is an AI-native insurance brokerage: we combine AI with licensed brokers to obtain complex insurance faster, and at better terms. Today, we manage risk for 500+ businesses in construction, security, and the trades.