Covera joins Y Combinator (F26)

Covera has joined Y Combinator and is part of the Fall 2026 batch, F26. Covera builds AI workflows for P&C insurance agencies and brokers of all sizes. The workflows take the manual work off the agency, from the first quote request to the next renewal, and the team approves every action.

Who is behind Covera

Covera was founded by Tiphaine Venet and Thibaut Regerat. Before Covera, they built Simio, a company they sold in 2024. Covera starts from the tools an agency already uses: its agency management system, its mailbox and its carrier portals, rather than asking the team to move to a new tool.

What Covera does today

Covera is a set of agentic AI workflows that follow the client journey, in two groups.

For producers, on submissions:

• Intake & data collection: a new request in the inbox becomes an opportunity, filled from the email, the AMS and public records, in 1 minute. See the Intake & data collection workflow.
• Quote & compare: one click fills every carrier portal the producer picks, even with partial data, with a first estimate during the call; quotes come back side by side. 2 minutes to quote, 2 minutes to compare. See the Quote & compare workflow, for carrier quoting and quote comparison.
• Bind & sync: the client signs, the AMS updates, the summary goes out, and servicing takes over.

For CSRs and account managers, on servicing:

• Day-to-day assistant: answers about any account from the AMS, emails and policies, with the source; COIs, coverage checks and follow-ups drafted and ready to send.
• Renewals: reminders 90, 60 and 30 days before the X-date, and remarketing to carriers when the premium jumps.
• Cross-sell: the book scanned for coverage gaps, each one turned into a new opportunity. See the Cross-sell workflow.

Some workflows are confirmed with Covera before they are activated for a US agency.

How the workflows fit with your team

Each workflow runs inside the agency's own tools and prepares its work for a person to review. Emails are placed as drafts in the mailbox, carrier portals are filled but never submitted by Covera, and client messages are prepared for a person to send, never sent automatically. Nothing goes to a client or a carrier without someone at the agency. Covera does not train any AI model on agency data.

What Y Combinator changes

Y Combinator speeds up Covera's growth in the United States. For independent agencies, the workflows already connect to agency management systems such as EZLynx and Momentum (NowCerts), and quoting runs on US carrier portals. Covera also works with brokerages in France, with the same workflows adapted to the French market.

On the quoting side, the US catalog covers lines such as personal auto, homeowners, commercial auto, trucking, general liability and workers compensation.

Talk to the team

If you run an agency and want to see which tasks the workflows can take over in your own work, book a call with the team.

Thanks to Nicolas Dessaigne and Nemil Dalal at Y Combinator.