Fernstone YC Application

Fall 2025Active

Fernstone went through Y Combinator in the Fall 2025 batch as a Fintech company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.

YC batch: Fall 2025
Industry: FintechInsurance
Team size: 2
Status: Active
Launched: 2025

Founders

James ChenCo-founder
Bryant LeCo-Founder

What Fernstone does

Fernstone is an AI-native insurance brokerage: we combine AI with licensed brokers to obtain complex insurance faster, and at better terms. Today, we manage risk for 100+ businesses in construction, security, and the trades.

Fernstone's YC application, reconstructed

Y Combinator application

Fernstone, Fall 2025 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Fernstone

Describe what your company does in 50 characters or less.

AI-native insurance brokerage

What is your company going to make? Please describe your product and what it does or will do.

We built an AI-native insurance brokerage that combines AI tools with licensed brokers to simplify and speed up the process of getting complex insurance. Our platform helps businesses in construction, security, and trades get insurance faster and on better terms than traditional brokers.

Where do you live now, and where would the company be based after YC?

We live in New York City and plan to keep the company based here after YC.

Explain your decision regarding location.

NYC is a hub for the industries we serve and gives us direct access to our initial market in construction and trades. It also enables us to build personal relationships with brokers and clients in person, which is crucial for trust in insurance.

21 more answers in the full application

Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.

See full application

Frequently Asked Questions

Is this the real Fernstone YC application?

No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Fernstone's public data (launch notes, founder backgrounds, product description). It shows how a company like Fernstone would present itself to YC, not the text they submitted.