Harper

AI-native commercial insurance brokerage

4.4Score#117 of 999 agents#2 of 15 in Insurance broker

Why it ranks #117

Harper, an AI insurance broker from YC W25, ranks #117 of 999 AI agents and #2 of 15 in Insurance broker, with a score of 4.4 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 4 × 30% 1.2
Scale 5 × 30% 1.5
Momentum 3 × 25% 0.8
Autonomy 6 × 15% 0.9
= 4.4

Proof
Do customers use it? 30% of the score
4
Claims revenue or growth.
- +4
  Revenue or growth
  “Since acquiring our first customers in October, we’ve already grown to write over $6M in annualized premiums across 35 states.”
  Launch YC post · 27 Feb 2025
Not found: named customers (+3), a customer result (+2), a customer count (+2), work done at scale (+2)
Scale
Is there a real company behind it? 30% of the score
5
25 people.
- +5
  25 people on its YC page20 to 49 people
Not found: funding round in its news (+3)
Momentum
Is it shipping and growing now? 25% of the score
3
Shows hiring.
- +3
  Hiring: 14 open rolesSenior Member of Technical Staff, Senior Operations Lead, Future AI FounderYC 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 Winter 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: 74% likely
- Finishes whole tasks: 28% likely
- Calls itself an agent: 4% 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 Harper

At Harper, we are building a fully autonomous commercial insurance brokerage powered by AI. Our initial focus is on mid-sized businesses with complex insurance needs, but our vision is to eventually serve every business in the country.

By leveraging AI to automate key workflows in the insurance process, we efficiently secure optimal coverage for each client's unique requirements at competitive prices and with rapid turnaround. Our AI system learns from the expertise of our brokers, accumulating not just knowledge but also the specific workflows, data, and capabilities that pave the way to full autonomy.