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Fernstone

AI-native insurance brokerage.

Y CombinatorFall 2025ActiveFintechInsurance

What they do

Problem

Businesses in complex, high-risk industries struggle to obtain insurance quickly and on favorable terms through traditional brokerages.

Solution

An AI-native insurance brokerage that combines AI with licensed brokers to source and place complex insurance policies faster and at better terms.

Who it's for

SMBs in construction, security, and skilled trades that need commercial insurance and risk management.

Founders

James Chen
Co-founder

Building Fernstone. Previously created and led the Enterprise function at Traba (Series A, Founders Fund), growing it from 0 to 25% of company revenue. Ex BCG and UChicago. Former debate champion, ranked #1 in the USA out of 10,000 teams.

Bryant Le
Co-Founder

Building Fernstone. Former Engineering @ Google and SentiLink (Series B, a16z). Previously Vanderbilt Applied Math / CS.

Company timeline

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