Florin

Florin is a direct, full-stack commercial insurance carrier writing liability, product, and property coverage for frontier-economy risks such as robotics, space, advanced energy, and defense, based in San Francisco, California.

The carrier underwrites on its own paper rather than fronting for or reselling another insurer's capacity. Its underwriting engine ingests incoming ACORD submission forms and supplements them with third-party signals -- satellite imagery, permits, and public records -- to surface exposures that would not appear on a standard application. The system then runs large-scale simulations of potential policy-year outcomes to price the risk, targeting a bindable quote in under a minute rather than the multi-week cycle typical of a traditional commercial submission. The company also lists manufacturing, logistics, healthcare, and real estate as secondary classes alongside its frontier-risk focus.

Florin is a pre-launch, seed-stage carrier with a reported team of three to four people. It is part of Y Combinator's Summer 2026 (S26) cohort and has reported roughly USD 130,000 in YC seed funding; no additional named investors, premium volume, or in-force policy counts have been publicly disclosed. The public site currently operates as an email waitlist rather than a live self-serve quoting flow.