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YC SP26 · Active

Huscarl

AI-native actuary enabling self-insurance for corporations

Class
Spring 2026
Status
Active
Industry
Fintech
Location
San Francisco, CA, USA; Remote
Team size
2

Website

https://www.huscarl.io/

About

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.