# Hedge Insurance

> AI\-native specialty insurance platform for independent brokers

## At a glance

| Field | Value |
| --- | --- |
| Category | Underwriting & Risk |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | San Francisco, CA |
| Founded | 2026 |
| Stage | Startup |
| Employees | 1-10 |
| Funding | Y Combinator (S26) |

## Overview

Hedge Insurance is a specialty insurance platform for independent brokers operating in the Specialty/E&S insurance vertical. The company combines wholesale distribution and underwriting into a single AI-native system, allowing brokers to quote and place coverage for hard-to-place risks faster and at lower cost.

The platform uses AI agents paired with underwriting expertise to evaluate risks, match them with appropriate capacity, and generate quotes. By consolidating the wholesale distribution layer with underwriting into one system, Hedge reduces the friction brokers typically face when sourcing specialty coverage through traditional wholesale channels. The platform is designed for SaaS delivery and targets independent brokers who need efficient access to surplus lines markets.

Founded in 2026 by Luke Button and Luke Rosa, the company was accepted into Y Combinator's Summer 2026 batch. As an early-stage startup, Hedge is building on the premise that AI automation can collapse the time and cost involved in specialty insurance placement, a market segment where manual workflows have historically created significant delays.

## Products & services

### AI\-Native Specialty Insurance Platform

An integrated platform combining wholesale distribution and underwriting capabilities, powered by AI agents. Designed to enable independent brokers to obtain quotes for specialty and hard-to-place risks more efficiently than through traditional wholesale brokers.

**Key features:**

- AI agents that automate risk evaluation and carrier matching
- Combined wholesale distribution and underwriting in a single workflow
- Faster quoting for specialty and E&S coverage
- Designed for independent broker workflows

*Target users:* Independent insurance brokers seeking specialty and surplus lines coverage placement

## Category & focus

- Subcategories: AI Underwriting, Wholesale Distribution, Specialty Placement
- Insurance verticals: Specialty/E&S
- Target customers: Brokers, Agents/Agencies

## Links

- Website: <https://www.hedge.insure>
- Directory profile: <https://insurtechlist.com/companies/hedge-insurance/>
- Y combinator: <https://www.ycombinator.com/companies/hedge>

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*Last updated: 2026\-06\-15*