Klaimee

YC company profile

Liability insurance for AI Agents. You deploy agents, we cover you.

Klaimee is the first insurance for your AI agents. It covers what traditional E&O and cyber explicitly carve out, so you can deploy agentic AI at scale with real peace of mind.
Built for companies deploying agentic AI, self-serve from day one.

The problem: AI agents are taking actions autonomously buying, emailing, modifying sensitive data. AB 316 already holds deployers liable. EU AI Act enforces in August. Cyber and E&O insurance are excluding AI claims. Companies shipping agents have zero coverage and no third-party proof their agent is safe. Enterprise legal asks "who pays if your agent breaks something?" and there's no good answer.

We built the answer. Critical-category risk evaluation, certification, financial guarantee, liability insurance and the documentation enterprise procurement needs to sign off.

Team: Ines (ex-General Manager at SafetyWing, grew insurance product from $5M to $60M revenue, 5 years launching insurance products from scratch and structuring a TokioMarine MGA into its own carrier) + Julien (AI software engineer + corporate strategy, enterprise compliance).

We understand how insurance works, what enterprises require, and why startups can't wait 6 months for either.

• YC batch: Spring 2026
• Founded: 2026
• Team size: 2
• Location: San Francisco
• Country: US
• Status: Active
• Industry: Fintech
• Stage: Early
• YC partner: Aaron Epstein

Founders

Ines Boutemadja — Founder/CEO

Co-founder and CEO. Building insurance for AI risk.

Former GM at SafetyWing (W18), where I built carrier insurance infrastructure and launched new insurance products from scratch. Now applying the same playbook to AI agents, giving companies the liability coverage they need to deploy AI with confidence.

HEC Paris (Grande École) and NUS (Msc in Management) graduate.
Multilingual (Arabic, French, Spanish, English, Mandarin).
First Algerian women in YC.

LinkedIn · X

Julien Catonnet — Founder/CTO

From corporate strategy to software engineering. Co-founder and CTO of Klaimee, AI agent risk certification and liability coverage. Self-serve

LinkedIn

What is the core problem you are solving? Why is this a big problem? What made you decide to work on it?

AI agents can now execute financial transactions, access sensitive data, and take real-world actions, but there is no insurance, no certification, and no clear liability framework for when they fail.

This is the same gap that existed with cyber risk in the early 2000s, before a $15B+ insurance market emerged. We’re at that same inflection point with AI.

The signals are already there: AI-related incidents are being carved out of traditional liability coverage, lawsuits are growing rapidly, and enterprises are still under pressure to deploy AI. The result is a fast-growing, unaddressed risk layer.

We saw this firsthand. We were building AI agents for claims processing: handling payments and decisions inside regulated environments. Every customer asked the same question: who is liable when the agent gets it wrong? There was no answer.

That’s when it became clear: this infrastructure has to exist before enterprise AI can scale.

Ines had already built insurance products from zero at SafetyWing, including carrier relationships and underwriting frameworks. We realized we were uniquely positioned to build the certification and insurance layer for AI agents - so we did.

What is your long-term vision? If you truly succeed, what will be different about the world?

Every transformative technology needs a trust layer before it can scale.
The internet needed cybersecurity. Cloud computing needed compliance and audit standards.

AI is next.

Today, AI agents can act but they can’t be trusted at scale. There is no standard for how they’re evaluated, no clear liability when they fail, and no infrastructure to make them safe to deploy in critical environments.

If we succeed, the liability and certification framework we build won't just protect enterprises, it will make AI itself safer, more accountable, and more auditable at a global scale. We are not just selling insurance. We are building the infrastructure that allows the agentic world to exist.

Source: Y Combinator · Retrieved 2026-11-02. Company information is self-reported on YC.