Our mission

Founded by former actuaries and insurance underwriters, Huscarl was born from a simple observation: commercial insurance is fundamentally unbalanced.

Insurers price risk using policy terms they wrote themselves, decades of loss history, and sophisticated actuarial models. On the other side of the table, businesses navigate a handful of opaque offers that demand expertise they don't have. Most end up buying coverage that poorly matches their actual risks — and hoping it holds up when a claim comes.

Huscarl gives them the same weapons as the insurers. Through systematic, precise risk quantification, we identify and quantify every case of over- and under-insurance — with often dramatic results: an average of −30% on premiums at equivalent coverage.

Our approach

Acting as a supercharged advisor for CFOs and risk managers, Huscarl reinvents how businesses understand and optimize their insurance programs — from SMBs to enterprise. We build artificial intelligence systems to democratize a level of insight that was only available to the largest corporations: actuarial-grade risk quantification, delivered through technology entirely built around our clients' interests.