Florin

Florin is an insurance carrier whose underwriting is done by a model rather than a human underwriting desk. A broker or business uploads its submission documents, and the system reads the ACORD forms, investigates the risk on its own using satellite imagery, permits, public records and even the applicant's social media, then simulates tens of thousands of ways the policy year could unfold before pricing the risk. The stated result is a bindable quote in under a minute for liability, products and property coverage. It is aimed at businesses that conventional carriers decline or price badly because they do not fit a class code: robotics, space, advanced energy and defense companies among them. Because pricing is built from verified evidence rather than a rate table row, the company claims to catch exposures that never appear on an application and to write risks that the standard market walks away from. There is no software subscription to buy; the product is the insurance policy itself, bound through the document upload flow on the site. Pricing is the premium quoted per risk, so there are no published plans or amounts. Florin is operated by Glaris Inc., is a Y Combinator company founded in 2026 and based in San Francisco, and its public site is a single page with minimal detail, so most of what is known about the underwriting process comes from the founders' own launch write up.