Harper
YC W25San Francisco, US · Founded 2024 · 25 employees · Hiring · 12 known investors
Harper Insure is an insurance broker that uses data analytics and human expertise to match commercial clients with appropriate insurance carriers and coverage. The platform serves businesses across industries including tech, construction, trucking, and aerospace, offering policies for liability, vehicle, property, cyber, and specialty coverage.
Also known as Tatch · Harper Insure
Founders & leadership· Y Combinator alumni (W25)
Harper was founded in 2024 by Dakotah Rice and Tushar Nair.
Investors · 12
Also in the syndicate · 2
Funding
SEC filings, press & company announcements$46.8M disclosed across 1 round · 2026
- $46.8Mcombined Series A and seed roundFeb 2026 · 3 sources
Emergence Capital (lead), 10X Founders, Antler, Fellows Fund, Lobster Capital, Outset Capital, Peak XV, Peak XV Partners, Y Combinator
Source ↗
Source: company announcements and press reports — follow each round's link for the claim.
Company profile
researched Aug 2026Harper is a commercial insurance brokerage that sells business insurance to small and mid-sized companies in the United States. Clients speak with a single specialist who gathers details about the business; Harper then approaches the carriers that write that class of risk, including markets it says most agents cannot access directly, and returns the resulting options with plain-language explanations before binding the chosen policy.
The company's product range covers general liability, professional liability, garage liability, commercial auto, commercial property, cyber, umbrella, and surety and license bonds. Harper markets vertical expertise across construction and contracting, restaurants and food service, auto sales and dealerships, garage and auto services, childcare, adult and senior care, manufacturing, hospitality and venues, security guard operations, and transportation and logistics, including coverages tied to state licensing requirements and contract certificate obligations.
Harper states that it has served more than 6,000 businesses, that 98.78% of customers renew, and that it has studied over one million quotes and policies and held more than 100,000 conversations with owners. It publicizes a $47 million raise to build what it describes as the future of commercial insurance.
Business model
Harper acts as an insurance broker, intermediating between commercial clients and insurance carriers: it intakes the client's risk profile, markets the account to insurers able to write it, presents quotes, and handles placement and servicing end to end.
Operates as an insurance brokerage placing policies with third-party carriers on behalf of commercial clients.
Traction
Harper reports more than 6,000 businesses as customers and a 98.78% customer renewal rate.
Latest developments
Harper announced that it has raised $47 million to expand its commercial insurance business.
▸Full profile — market position, technology, go-to-market
Market position
Harper positions itself on carrier-matching accuracy drawn from historical quote data, access to specialty markets, single-point-of-contact service rather than form-based intake, plain-language explanation of options, and competitive pricing achieved by putting multiple insurers in competition without reducing coverage.
Technology
Harper uses internal tooling built on a base of more than one million studied quotes and policies and over 100,000 owner conversations to identify which carriers are likely to write a given class of business and what pricing is reasonable, which the company says shortens turnaround from weeks to the same week.
Go-to-market
Direct sales via phone and web quote requests, with a specialist assigned to each account; marketing is organized around industry verticals and the specific certificates, license requirements and contract terms those industries face.
Small and mid-sized U.S. businesses, including general contractors and specialty trades, restaurants and bars, food trucks and caterers, auto dealers, repair shops, detailers and towing operators, childcare centers, group homes and home care providers, manufacturers, hotels and event venues, armed and unarmed security firms, and local haulers and delivery fleets.
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Competitors · 4
by search overlap
Companies competing with Harper for the same Google search keywords, organic and paid, via search-intersection analysis.
In the news
▸Research sources · 1
primary sources listed
- Harperharperinsure.com · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Harper do?
- Harper is a commercial insurance brokerage that pairs specialist brokers with data tools to place small-business coverage.
- Who founded Harper?
- Harper was founded by Dakotah Rice, Tushar Nair in 2024.
- Who are Harper's investors?
- Harper's investors include DG Daiwa Ventures, Lobster Capital, Olive Tree Capital, Outset Capital, Y Combinator, 10x Founders, 468 Capital, Antler and 2 more.
- How much funding has Harper raised?
- Harper has disclosed $46.8M raised across 1 round.
- Where is Harper headquartered?
- Harper is headquartered in San Francisco, US.