Brand Intelligence Graph
Company Overview
About Harper
Harper is an AI-native commercial insurance brokerage that is nearly fully autonomous — matching SMBs to coverage across 160+ carriers, routing quotes, processing documents, and following up with underwriters without requiring human broker involvement for most transactions. The company raised $47 million across seed and Series A financing in February 2026 led by Emergence Capital, following its Y Combinator W25 graduation. Harper serves 5,000+ customers and represents the largest publicly disclosed Series A by a Black founder.
Business Model & Competitive Advantage
Traditional commercial insurance brokerage is one of the highest-friction purchase experiences in B2B financial services: small businesses receive inconsistent quotes, face weeks of back-and-forth with underwriters, and often end up underinsured due to the time cost of the process. Harper's AI agents replace this entire workflow — gathering business information, selecting appropriate carriers for the risk profile, submitting applications, and following up on approval timelines automatically.
Competitive Landscape 2025–2026
The commercial insurance market represents $1+ trillion in annual premium globally, with small business coverage representing the most underserved segment. Harper's Emergence Capital backing signals go-to-market credibility — Emergence specializes in enterprise and vertical SaaS and brings distribution relationships that accelerate SMB insurance platform adoption.
Key Differentiators
Emerging Innovator
Harper is an emerging player bringing innovative solutions to the InsurTech market.
Frequently Asked Questions
Estimated Visibility Trend (Beta)
Simulated 8-week rolling score
Based on estimated brand signals. Historical tracking coming soon.
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