About Hedge Insurance · Specialty for hard-to-place risks
HEDGE  /  ABOUT SAN FRANCISCO · 2026

A specialty placement shop for retail agents.

Hedge exists because the path between a retail agent and the right specialty market is longer than it needs to be. We shortened it. Direct access, one file, and the same four people on every account.

Founders
Luke Button, Hedge Insurance co-founder & CEO

Luke Button

CEO, Co-founder

Prev. founded Fernstone (AI-powered retail insurance brokerage), led a growth team at Traba (Series A, backed by Founders Fund), Head of Growth at Antimetal, cofounder at Contrast (acquired).

Luke Rosa, Hedge Insurance co-founder & COO

Luke Rosa

COO, Co-founder

Prev. Head of Scaled Systems at Traba (Series A, backed by Founders Fund, Khosla), replaced humans with AI agents to manage $20MM+ in revenue. Econ at UChicago.

How we work

Three non-negotiables. Everything else is a preference.

These are the three things we refuse to compromise on. The rest. Tooling, workflow, office location. We'll change if it makes the work better.

01.

The same four people.

Every account has a dedicated team of four. They stay with the file through intake, quote, bind, renewal. No rotating inboxes, no re-explaining.

02.

Named access to hard-file markets.

A named broker on every account, direct lines to specialty markets. No sub-brokering, no layered commissions, no "let me check with the market."

03.

Response time is the product.

Fast first reply. Full quotes when the file is ready. If we're slow, we owe you a reason.

Meet the team

Two Lukes. Both on every file.

Direct lines to specialty markets where the standard market won't quote.

General   hello@hedgespecialty.comBased in San Francisco