Florin YC Application

Summer 2026Active

San Francisco

Florin went through Y Combinator in the Summer 2026 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: Summer 2026
Industry: FintechInsurance
Location: San Francisco
Team size: 3
Status: Active
Launched: 2026

Founders

Shaurya AggarwalFounder/CEO
Amol PantFounder/CTO
Aydin SorensenFounder

What Florin does

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.

Florin's YC application, reconstructed

Y Combinator application

Florin, Summer 2026 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Florin

Describe what your company does in 50 characters or less.

AI-native insurance that runs autonomously.

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

Florin is a full-stack insurance carrier where an AI model underwrites, prices, and binds policies, end-to-end. When an insurance submission comes in, Florin reads the forms, pulls in satellite imagery, permits, public records, and even scans the applicant's Instagram. We catch risks others miss, then simulate thousands of outcomes and return a final quote - all in under a minute. The customer gets a bindable answer instantly, instead of waiting weeks.

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

We live in San Francisco, CA, and the company will stay based here after YC.

Explain your decision regarding location.

The insurance and AI ecosystems we work in are strongest in San Francisco. We're close to engineering and fintech talent, and customers expect innovation from companies based here.

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 Florin YC application?

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