San Francisco-based Harbor has emerged from stealth with $10 million in seed funding from Base10 Partners, Abstract, and 8VC to help companies manage the risks of deploying AI agents.

Harbor works with banks, insurers, and other regulated companies in the United States, Europe, and Latin America, helping them measure and mitigate the operational, security, and regulatory risks of AI agents — and insuring them if an agent fails or causes a loss.

The Problem With AI Agent Risk

Historically, when an employee makes a mistake, professional liability, cyber, and tech E&O policies cover the resulting damage. With AI agents, however, a mistake can be repeated thousands of times before anyone notices.

Insurers currently lack the claims history needed to price AI agent risk accurately, leading some to exclude AI from existing policies entirely.

How Harbor Works

Harbor’s solution operates on two levels:

  • Risk platform: Harbor identifies every AI agent a company runs and builds a full inventory. It measures the operational, security, and regulatory risk of each agent using a framework developed with research and enterprise partners, mapped to major AI standards and regulations including NIST AI RMF, SR 26-2, and the EU AI Act. The platform checks every agent decision against the company’s own rules and blocks noncompliant actions before they execute. Whenever an agent’s model, tools, or data change, Harbor re-evaluates the risk.

  • Insurance: The measurement data is what makes the risk insurable. Harbor insures the risk that remains after controls are applied. This structure also aligns incentives: when the insurer is responsible for covering losses, it has a direct interest in ensuring that measurements are rigorous and controls are effective.

“Companies need to understand the risk of their agents, and at the current pace of adoption and development, assessing the risk at a specific point in time seems useless. There is a need for an innovative solution for managing the risk in real time,” said Jesús Santos, co-founder of Harbor.

Santos is one of four co-founders who met at Stanford University. Daniel Elechiguerra, Cristian Bartolomé, and Luis Botín are the other members of the founding team.