{"id":100038,"title":"Huscarl: actuarial intelligence for corporate insurance buyers","tagline":"30% cheaper insurance for zero downside","body":"TLDR: Huscarl is an AI-native insurance advisory firm for corporations ($50M+ revenue). We help them save 30% on annual premiums with zero downside.\n\n[**https://youtu.be/HuHWqokdRFo**](https://youtu.be/HuHWqokdRFo)\n\nHey guys, we’re Paulien and Alex, and we’re building Huscarl to fix corporate insurance.\n\n**Problem**\n\nAll of the companies we worked with were :\n\n* Overinsured in some areas, because brokers and insurers want to sell them more insurance than they need\n* Underinsured in others, because they don’t fully understand the risks their business is facing\n\nRisk managers face huge internal pressure because insurance costs 2% of a company’s revenue every year and it feels like it never pays when you need it.\n\n**What we’re building**\n\nWe’re building an AI-native actuarial advisory that:\n\n* Tells you if you’re paying the right $ for your coverage\n* Tells you what to keep, change or kill in your insurance program\n\nBy creating insurance programs that fit perfectly a company’s risk profile, we’re able to generate \\~30% premium savings for similar or better coverage, and get the risk manager promoted :)\n\n**The team**\n\n![uploaded image](/media/?type=post\u0026id=100038\u0026key=user_uploads/3407956/8337ed8b-f6b4-4f89-8582-d18d20798e40)\n\nBefore joining YC, Alex (on the left) and Paulien (on the right) created together the world’s first cyber parametric insurance for corporations.\n\n**Long-term vision**\n\nOur end game is to empower corporations manage their own risks like an insurance company does. The most sophisticated buyers already self-insure \u0026gt;90% of their risks through in-house insurance subsidiaries called “Captives”. Largest captives are larger than regional mutual insurers and yet remain underserved by insurance professionals.\n\n**The ask**\n\nWe work with all mid-sized and large companies above $50M with no cap (our biggest lead is a FAANG). Intros to CFOs, Chief Risk Officers or Risk managers would be very appreciated!\n\n**Website: [huscarl.io](http://huscarl.io)**","slug":"Q1W-huscarl-actuarial-intelligence-for-corporate-insurance-buyers","created_at":"2026-04-22T05:59:54.448Z","updated_at":"2026-05-25T03:14:23.595Z","total_vote_count":27,"url":"https://www.ycombinator.com/launches/Q1W-huscarl-actuarial-intelligence-for-corporate-insurance-buyers","share_image_url":"https://www.ycombinator.com/media/?type=post\u0026id=100038\u0026key=user_uploads/3407956/8337ed8b-f6b4-4f89-8582-d18d20798e40","company":{"id":31564,"name":"Huscarl","slug":"huscarl","url":"https://www.huscarl.io/","logo":"https://bookface-images.s3.amazonaws.com/small_logos/f24300b3eb986e7f19356d2f4af0a1aefc7a5841.png","batch":"Spring 2026","industry":"Fintech","tags":["Generative AI","Insurance","Customization"],"search_path":"https://bookface.ycombinator.com/company/31564"}}