Huscarl

AI-native actuary enabling self-insurance for corporations

2.7Score#441 of 999 agents#3 of 4 in Insurance underwriter

Why it ranks #441

Huscarl, an AI insurance underwriter from YC Sp26, ranks #441 of 999 AI agents and #3 of 4 in Insurance underwriter, with a score of 2.7 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 0 × 30% 0.0
Scale 1 × 30% 0.3
Momentum 6 × 25% 1.5
Autonomy 6 × 15% 0.9
= 2.7

Proof
Do customers use it? 30% of the score
0
No public claims of customers or revenue yet.
Not found: revenue or growth (+4), 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
1
2 people.
- +1
  2 people on its YC page2 people
Not found: funding round in its news (+3)
Momentum
Is it shipping and growing now? 25% of the score
6
Shows a recent launch, hiring and a new batch.
- +3
  Launched in the last 6 monthsHuscarl: actuarial intelligence for corporate insurance buyersLaunch YC post · 22 Apr 2026
- +2
  Hiring: 1 open roleMember of technical staff – ParisYC page
- +1
  New: YC Spring 2026
Not found: new traction claim in the last 6 months (+2), funding news in the last year (+2)
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: 31% likely
- Finishes whole tasks: 25% likely
- Calls itself an agent: 7% likely
- Level 1 from the model's reading of its pages; the evidence review found, with quotes, that its AI acts in the work, so the level is 2
Level 2: Takes actions in other systems; a person approves key steps.

About Huscarl

Huscarl is building an autonomous AI actuary to enable self-insurance for corporations.

Large companies use insurance subsidiaries ("captives") to self-insure their risks. Some of these captives are larger than regional insurers. We provide them the actuarial and modeling layer to operate and grow.

We're building a future where self-insurance is the default, and commercial insurance the exception. This is the best way to solve the inefficiencies of the $1T corporate insurance market.