Huscarl

Huscarl is an AI-native actuarial advisory firm that assists corporations in managing their risks in the same manner as insurance companies. Founded in 2025 by Alex Musy (CEO) and Paulien Jeunesse (CTO), the company is backed by Y Combinator and operates in the US and Europe. The founders, both with backgrounds as actuaries and former underwriters, identified that insurance submissions often do not serve the buyers' best interests, leading to coverage gaps, over-insurance, and a lack of optimization. CEO Alex Musy holds a PhD in actuarial science and has experience building risk assessment models, including the world's first cyber parametric model. CTO Paulien Jeunesse is a former underwriter who has created insurance products for corporations and was a member of the French captive federation (FFCE). Their combined expertise forms the foundation of Huscarl's mission to empower corporate risk managers. The firm targets large companies, typically with revenues over $50 million, operating within the $1 trillion corporate insurance market. Huscarl's core service provides actuarial intelligence to help these clients optimize their insurance programs. By analyzing a company's entire risk portfolio across Property & Casualty, Specialty, and Benefits, the firm identifies and quantifies exposures. Their technology scans policies to find coverage gaps and instances of over-insurance, aiming to reduce the total cost of risk. Huscarl reports that early customers have achieved an average premium reduction of 30% while maintaining or improving coverage. Huscarl also offers captive and self-insurance advisory, assisting with feasibility studies, structuring, and ongoing actuarial support. This includes helping clients manage high deductibles and explore alternative risk transfer solutions like parametric insurance and Insurance-Linked Securities (ILS). The firm's approach is designed to produce underwriter-friendly submissions backed by forward-looking modeling to improve negotiations and outcomes with carriers. Keywords: AI-native actuarial, corporate risk management, insurance optimization, total cost of risk, captive insurance advisory, self-insurance, alternative risk transfer, premium reduction, coverage gap analysis, property & casualty insurance, specialty insurance, benefits insurance, loss modeling, Y Combinator, risk exposure quantification, actuarial intelligence, policy analysis, underwriting submission, corporate insurance, risk retention.