Panta

About Panta

Panta Insurance Services is an AI-native commercial insurance brokerage that provides coverage for hard-to-place risks in sectors often declined by standard insurers. Founded in 2024 by Vincent C. (CEO) and Frank Wang (CTO), and headquartered in San Francisco, the company is part of the Y Combinator Winter 2026 cohort. The founders, who have been friends since high school, combine their expertise in AI and engineering to address bottlenecks in the insurance industry. Vincent previously led AI/ML teams at Google, working on projects like Vertex AI and NotebookLM, while Frank was a senior engineer at Apple focused on Gen-AI and Rust infrastructure. Both founders are also licensed commercial insurance brokers. Panta operates as a technology-enabled surplus lines brokerage, using autonomous AI agents to automate up to 95% of the operational workflow. This includes filling out ACORD forms, negotiating with underwriters via email, and managing documents, which significantly reduces policy placement time from weeks to hours. The company focuses on the Excess & Surplus (E&S) market, which represents approximately $125 billion in annual premiums, by targeting businesses that require specialized underwriting. Its target clients are in high-risk, heavy industries such as construction, logistics, manufacturing, and hospitality, including businesses like trucking fleets, nightclubs, and hazardous material facilities. By automating the coordination-heavy tasks of a traditional broker, Panta aims to scale its client capacity tenfold. The firm is licensed to operate in all 50 U.S. states and works with over 100 A-rated carriers. It does not charge a fee to clients for quotes; instead, it earns a standard commission from the insurance carrier upon placing coverage. The platform offers a comprehensive suite of commercial insurance products, including General Liability, Commercial Auto, Workers' Compensation, Property, Cyber, and Directors & Officers (D&O) liability. Panta has raised $500K in seed funding from investors including Y Combinator. Keywords: AI insurance brokerage, commercial insurance, high-risk insurance, surplus lines broker, excess & surplus, InsurTech, YC W26, construction insurance, logistics insurance, manufacturing insurance, trucking insurance, hospitality insurance, autonomous agents, automated underwriting, data-driven risk placement, hard-to-place risks, specialty insurance, commercial auto insurance, general liability, workers compensation, property insurance, cyber liability, D&O insurance, Frank Wang, Vincent Chen