Qlo

Qlo is an AI native system of record for commercial insurance underwriting that sits beneath the tools underwriters already use. Outlook is the interface: a broker submission arrives by email, and Qlo's agents read the attachments, run clearance, assess appetite against carrier guidelines, build the underwriting worksheet, draft quote options with default limits and retentions, and produce the quote letter for the underwriter to approve and send back. The underwriter holds the pen on every risk decision; the agents handle the mechanical work around it. It is built for carriers, MGAs and program administrators launching or running a line of business, particularly in specialty and executive lines. Supervisor agents live in Outlook, Word and Excel and coordinate specialized agents for submission intake, rating, endorsement selection and document processing. The rater converts an existing Excel rating workbook into a parity checked model on Qlo, so a program keeps its own forms and rates while an existing policy administration system stays in place. Because Qlo executes the workflow, it captures every decision, exception and discretion, which the company describes as the path toward an autonomous AI underwriter working alongside human ones. Qlo does not publish pricing. Onboarding runs through a partner application: submit the form, schedule a call, share materials and go live within two weeks, with the company noting a limited number of partner slots for 2026. Terms are quoted per program. Founded by two operators based in New York and advised by underwriting leaders from specialty carriers, Qlo has published a case study with an executive lines program that reports higher primary quote throughput since going live.