Florin
Florin is an AI-native insurance company that runs autonomously
About Florin
Florin is a full-stack insurance carrier where a model does the underwriting. When a submission comes in, Florin reads the ACORD forms, then investigates the risk on its own: satellite imagery, permits, public records, even the insured's Instagram, and catches exposures that never make it onto the application. It then simulates tens of thousands of ways the policy year could go, prices the risk, and returns a bindable quote in under a minute instead of weeks. The team is ex-Google, Tesla, Amazon, and Terrafirma, and the bet is that a carrier built this way wins on loss ratio, speed, and cost at the same time.
Public traction evidence
Each signal links to the public source used for attribution.
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an insurance company with 0 underwriters today we're launching @florin_hq (yc s26) we price risk with evidence (satellite imagery, permits, public records, even your instagram) instead of rate tables, simulating tens of thousands of futures per business.
an insurance company with 0 underwriters today we're launching @florin_hq (yc s26) we price risk with evidence (satellite imagery, permits, public records, even your instagram) instead of rate tables, simulating tens of thousands of futures per business. bindable quotes in
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Insurance brokers in 2026: Me: hi, I need a quote for my client Wholesaler: fill out this form Me: I already filled out this exact form for 9 other carriers today Wholesaler: fill out this form Me: it's literally identical information Wholesaler: fill out this form Me: fine.
Insurance brokers in 2026: Me: hi, I need a quote for my client Wholesaler: fill out this form Me: I already filled out this exact form for 9 other carriers today Wholesaler: fill out this form Me: it's literally identical information Wholesaler: fill out this form Me: fine.
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your insurance agent is a 58 year old man named Doug who faxes your application to a carrier that prices your business using a table from 1987 Doug takes 15% forever we are going to make Doug get a real job
your insurance agent is a 58 year old man named Doug who faxes your application to a carrier that prices your business using a table from 1987 Doug takes 15% forever we are going to make Doug get a real job
- LinkedIn
Excited to be judging the Stanford University x Google DeepMind hackathon this weekend.
Excited to be judging the Stanford University x Google DeepMind hackathon this weekend. Looking forward to seeing what everyone builds. Come say hi if you're around!
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i trolled @ycombinator and i got accepted.
i trolled @ycombinator and i got accepted. team: me - ex-Google next-gen TPU team @amolhpant - ex-Tesla Dojo, Thiel backed Orchard Robotics @formerlypeter - ex-Terrafirma (just raised 115M) we're building @florin_hq an insurance carrier with 0 underwriters more soon......
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A clear investing philosophy cuts through the noise.
A clear investing philosophy cuts through the noise. If you’re serious about investing, you need one. • PART 0: Different Camps of Value Investing • PART 1: A Silly Example: Grocery Shopping • PART 2: Act like a Business Owner • PART 3: Evolving Definitions of “Cheap” and
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or sell air filters to the ac sellers.
or sell air filters to the ac sellers. first order thinking: build data centers second order thinking: sell hvacs to dc third order thinking: sell air filters to the hvac sellers second order thinking is consensus today so third order thinking prolly wins the beauty contest
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Intro to Value Investing: Finding the Right Mentality PART 0: Different Camps of Value Investing Value investing today has two distinct categories.
Intro to Value Investing: Finding the Right Mentality PART 0: Different Camps of Value Investing Value investing today has two distinct categories. Great businesses at a fair price. Modern Buffett. DIRT CHEAP businesses, so cheap that the quality of the