Tesora

Overview

San Francisco company founded in 2025 by chief executive Vivek Rao, formerly of McKinsey and the private equity firm Sycamore Partners, and chief technology officer Federico Reyes Gomez, a Stanford computer science graduate who worked on document understanding at Google before joining a graph neural network startup. Backed by Y Combinator in its Summer 2025 batch and still very small, with a founding team of two to four and a former chief actuary working alongside it. The product is an AI native actuarial workbench for specialty property and casualty carriers, reinsurers and managing general agents, built as agents rather than as software with models attached. Two agent families are described: insight agents covering loss modeling, on-levelling and market research, and rating agents covering base rates, factors, increased limits factors and a callable pricing interface. The agents read loss runs, statements of value, broker submissions and state rate filings in almost any file format, then build, audit and deploy raters and pricing analyses. The company positions itself against the assembly work rather than the mathematics, arguing that trending, on-levelling, severity fits, generalized linear models and reserving were settled decades ago and what slows actuaries is finding the data, picking the method and writing the memo. It states that its agents record where data and logic came from so they can cite the source later, that analyses are fully reproducible, and that a customer can upload an existing spreadsheet rater to have its formulas parsed, factor tables identified and a versioned model rebuilt, tested and deployed. Reviews are described as aligned to actuarial professional standards and the audit trail is described as meeting the standard expected for financial reporting controls.

Details

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