Fernstone is an AI-native insurance brokerage that combines artificial intelligence with licensed brokers to expedite complex insurance acquisition and secure better terms for businesses. The company currently serves 100+ businesses across the construction, security, and trades sectors. By pairing AI workflows with human brokers, Fernstone aims to make commercial insurance buying faster and more transparent. The company is based in New York City and was part of Y Combinator's Fall 2025 batch.
Fernstone
ActiveAI-native insurance brokerage
Total raised
$500K
1 round
Stage
Seed
Jan 2025
Team
1-10
since 2025
Pricing
—
Founded
2025
New York, United States
Agent-ready
—
AI-native commercial insurance brokerage
Pairs AI workflows with licensed human brokers
Speeds up complex commercial insurance buying
Aims to secure better terms for businesses
Serves construction, security, and trades sectors
More transparent insurance acquisition process
Human broker oversight on AI-driven workflows
Serves 100+ businesses
12/100
Early
MCP server
Public API
Webhooks
OAuth 2.0
SDKs
No public agent surfaces detected yet.
Jan 2025 Seed $500K ● Y Combinator
Capital network
$500K raised ·1 backer·10 network links
- Backers1
- Shared portfoliocompanies these backers also fund
- Extended networkfunds that co-invest alongside them
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- What is Fernstone?
- Fernstone is an AI-native insurance brokerage that pairs AI with licensed brokers to speed up complex commercial insurance buying and secure better terms for businesses.
- Which industries does it serve?
- Fernstone serves 100+ businesses across the construction, security, and trades sectors.
- How does AI fit into the brokerage?
- Fernstone combines AI workflows with human licensed brokers to make commercial insurance buying faster and more transparent.
- Where is Fernstone based?
- Fernstone is based in New York City and was part of Y Combinator's Fall 2025 batch.
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