Overview
Harbor.AI is an artificial intelligence-powered insurance technology platform built for the specialty and excess and surplus (E&S) lines market. Founded in 2017 by Paul Gaglioli (CEO) and Marc Hadfield (CTO), a Princeton-trained data scientist, Harbor.AI provides carriers, brokers, and distributors with modern infrastructure that automates the underwriting process from quote to bind. The platform combines proprietary machine learning with rules-based automation to enable faster, more accurate underwriting decisions.
Operating as a fully licensed E&S brokerage and MGA, Harbor.AI reached USD 2.2M in revenue with approximately 20 team members as of 2025, reflecting strong growth in the niche E&S market. The company has been backed by leading insurance and technology accelerators including AI Venture Labs, InsurTech NY, Plug and Play Tech Center, and Birchaven Group.
Harbor.AI targets the unique complexities of specialty lines -- where manual processes, heterogeneous data, and regulatory nuance traditionally slow underwriting -- by embedding AI and automation directly into the workflow. Strategic partnerships with Carpe Data and Attestiv further extend the platform's data enrichment and self-service capabilities.
Products & Services
AI Underwriting Platform
End-to-end underwriting automation for specialty and E&S risks, combining rules-based policy logic with machine learning for straight-through processing.
Key Features
- Automated straight-through processing for complex E&S risks
- Rules engine for policy logic, exclusion management, and pricing recommendations
- Real-time data ingestion from IoT and external data sources
- Renewal monitoring and portfolio management
- Targeted exclusion generation
Target Users: Carriers, MGAs, and brokers in specialty and E&S markets
AI Assistant
Automated data collection tool that communicates with insureds and brokers to gather underwriting information, track outstanding items, and reduce manual follow-up.
Key Features
- Automated outreach to insureds and brokers
- Document and data collection tracking
- Integration with underwriting workflow
- Reduction of underwriter administrative burden
Target Users: Underwriters, brokers, and program administrators
API Integrations
Carrier systems can integrate programmatically to quote, bind, and manage business via Harbor.AI's API layer.
Key Features
- REST API for carrier system integration
- Quote, bind, and policy management workflows
- Real-time data exchange with partner data providers
Target Users: Carriers and MGA technology teams
Compliance Documentation
Automated generation and filing of required insurance compliance documents for E&S transactions.
Key Features
- Automated document creation
- Compliance filing workflows
- E&S-specific regulatory document support
Target Users: Brokers and compliance teams
At a Glance
- Founded
- 2017
- Headquarters
- New York, New York, USA
- Employees
- 11-50
- Funding
- Bootstrapped
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- AI Underwriting Automated Straight-Through Processing E&S Platform
- Insurance Verticals
- Specialty/E&S
- Target Customers
- Carriers, Brokers, MGAs/MGUs
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Last updated: 2026-06-03