# Fernstone

> AI\-native commercial insurance brokerage for fast\-growing small businesses

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Broker |
| Region | NA |
| Headquarters | New York, NY |
| Founded | 2025 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | USD 1.5M (Pre-Seed) |

## Overview

Fernstone is an AI-native commercial insurance brokerage serving fast-growing small businesses in construction, security, and logistics. The company focuses on the USD 1,500-15,000 premium segment, a range many traditional brokers and carriers find unprofitable to service directly.

The brokerage places general liability, workers' compensation, and specialty and professional lines across a panel of nine or more carrier partners. Each client is paired with a licensed risk advisor who reviews and binds coverage, while an AI agent handles carrier-facing administrative work such as email follow-up, renewal tracking, and certificate issuance. Fernstone reports serving more than 300 businesses as of 2026.

Fernstone was founded in 2025 and launched publicly in February 2026 through Y Combinator's Fall 2025 batch, following a USD 1.5M pre-seed round in January 2026. Co-founders James Chen and Bryant Le previously worked at Traba, BCG, SentiLink, and Google.

## Products & services

### Fernstone Platform

Unified policy and risk-management platform covering certificate issuance, claims tracking, multi-carrier policy administration, renewal alerts, and billing.

**Key features:**

- Instant certificate of insurance \(COI\) generation and sharing
- Claims tracking and filing
- Policy administration across 9\+ carrier partners
- Automated renewal and expiration alerts
- Team access controls and collaboration
- Billing and payment processing

### AI Agent \+ Dedicated Risk Advisor

Combines an AI agent that automates carrier-facing busywork with a licensed human risk advisor for coverage review and binding.

**Key features:**

- AI agent automates carrier email follow\-up and status tracking
- Automated document generation for renewals and claims
- Licensed human risk advisor for coverage review and binding
- Dedicated advisor access for certificates, renewals, and claims

## Category & focus

- Subcategories: Quote\-to\-bind, agency/policy administration, claims tracking
- Insurance verticals: P&C Commercial, Workers Compensation, Specialty/E&S
- Target customers: Employers

## Links

- Website: <https://fernstone.com>
- Directory profile: <https://insurtechlist.com/companies/fernstone/>
- Careers: <https://www.ycombinator.com/companies/fernstone/jobs/eeFxD6m-growth-operations-lead>
- Linkedin: <https://www.linkedin.com/company/fernstone>

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*Last updated: 2026\-08\-05*