AI-Native Insurance Brokerages

Independent, source-checked profiles of the new wave of AI-native and insurtech commercial insurance players. What they cover, who they fit, and how they compare.

Harper

Harper is a commercial insurance brokerage (not a carrier) focused on complex, hard-to-place risks

Kinro

AI-native insurance startup (YC P26) building autonomous sales agents plus a small-business brokerage

Panta

Tech-enabled surplus lines (E&S) brokerage for hard-to-place industrial risks, not a carrier

Soma

Accel-backed, AI-native commercial brokerage focused on complex, hard-to-insure lines, not a carrier