Harper is an AI-native, licensed commercial insurance agency built for small and mid-sized businesses. Its AI handles submission routing, underwriter follow-ups, document collection and pipeline management, letting Harper quote and bind coverage in one to two days versus the five to seven typical of traditional brokers. The agency places workers' compensation, general liability, professional liability, commercial auto, cyber and other lines across 160-plus carriers including Progressive, GEICO, AIG and Hiscox, and specializes in complex industries such as aerospace, tech, healthcare and transportation. Founded in 2024 and a Y Combinator company, Harper has acquired thousands of clients with high retention. In February 2026 it raised a combined Series A and seed totaling $46.8M led by Emergence Capital, with Y Combinator, Lobster Capital and Peak XV Partners participating.