Qlo
Qlo is a YC Summer 2026 (S26) company. Based in San Francisco, CA, USA. Team of 2.
About Qlo
Summary
Qlo builds an AI-native underwriting platform for commercial insurance carriers. Specialized AI agents handle each step of the underwriting workflow, from new submission through renewal, while supervisor agents coordinate between them and communicate with underwriters. The product replaces the manual handoffs, document reviews, and data gathering that underwriters currently perform across email, spreadsheets, and legacy systems, with Outlook serving as the underwriter's interface into the system.
Go-to-market
Commercial insurance carriers are the buyer; underwriters interact with the product directly through Outlook, lowering the barrier to adoption by embedding into their existing workflow rather than requiring a tool switch.
From the Y Combinator listing
Legora for commercial insurance carriers
Qlo uses AI agents to run commercial underwriting operations from submission to renewal. Specialized agents handle each operational step, while supervisor agents coordinate the work and communicate with the underwriter. Every commercial insurance program will be built and operated end to end by AI agents on Qlo.
Facts
- Fintech / Fintech -> Insurance
- San Francisco, CA, USA
- 2
- Active
- Early
Founders (1)
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