Fernstone

Fernstone is an AI-native commercial insurance brokerage for businesses, backed by Y Combinator (F25 batch). The company combines AI agents with licensed human brokers to automate the manual back-and-forth of commercial insurance procurement — tracking email threads, instantly following up with carriers, and issuing documents like certificates of insurance (COIs) on demand. Fernstone's platform provides a single place for businesses to issue COIs, track claims, manage policies across carriers, receive automated renewal alerts, and handle billing. By blending AI automation with licensed broker oversight, Fernstone enables businesses to obtain complex insurance coverage faster and at better terms than traditional analog brokerage processes.