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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Harper, an AI-native commercial insurance brokerage founded by Dakotah Rice and Tushar Nair, has raised $46.8M in a combined seed and Series A round led by Emergence Capital, with participation from YC and Peak XV Partners. A YC W'25 graduate, Harper operates as an almost fully autonomous licensed agency, matching small- to mid-sized businesses with over 160 insurance carriers. The platform handles submission routing, underwriter follow-ups, document collection, and pipeline management via AI, enabling it to process 1,000+ customers per month versus the 20–30 a typical human-led sales team manages. Harper has surpassed 5,000 customers and $54M in total funding raised in under two months.

Y Combinator grad and AI insurance brokerage Harper raises $47M

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