Qlo
Qlo provides an AI-native system of record for commercial insurance underwriting that operates directly inside Microsoft Outlook, eliminating the need for underwriters to switch between systems. The platform uses AI agents to automate mechanical tasks like document filing, submission triage, and quote letter generation, while capturing every underwriting decision to train an autonomous AI underwriter over time. Underwriters can issue instructions in plain language—such as overriding a premium or requesting revenue details—and the system executes those commands and updates the record automatically.
- Insurance Technology
- AI Agents
- Artificial Intelligence
- Software Only
Funding
Raised to date
$500KRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Founder details are not available yet.
Product
Problem
Commercial insurance underwriting is dominated by hundreds of mechanical actions—keying documents, managing workflow handoffs, and chasing submissions—that surround only a few critical risk decisions. Underwriters spend days on operational busywork while submissions sit unseen, burying scarce judgment under manual processes and slowing the entire quoting cycle.
Solution
Qlo provides an AI-native system of record for commercial insurance underwriting that operates directly inside Outlook, eliminating the need for underwriters to switch between systems. The platform uses AI agents to automatically execute mechanical underwriting actions, draft quote options based on carrier guidelines and underwriter defaults, and handle workflow handoffs between brokers and underwriters. When underwriters provide instructions in plain language—such as overriding a premium or asking for revenue details—the system executes those commands and captures every decision, exception, and discretion to learn the underwriter's judgment over time. The platform generates quote letters, files broker emails and attachments against submission records, and updates the system of record automatically, while a built-in Inbox Agent flags which submissions are worth writing and prepares worksheets.
Target Audience
Primary customers are commercial insurance carriers, MGAs, and underwriting teams who need to reduce operational overhead while maintaining full control over risk decisions. The platform is designed for underwriters who want to keep their existing email-based workflow but eliminate the mechanical busywork around their judgment calls.
Features
- Native Outlook integration enabling underwriters to work entirely from their inbox without learning new software
- AI agents that automate mechanical underwriting tasks including document filing, submission triage, and quote letter generation
- Natural language instruction interface allowing underwriters to make adjustments (e.g., premium overrides) and issue quotes conversationally
- Judgment capture engine that records every decision, exception, and discretion to train an autonomous AI underwriter over time
- Automated submission assessment that evaluates carrier guidelines, coverage details, policy period, and attached documents to determine appetite
- Quote preparation from underwriter default values with the ability to adjust limits, retentions, and premiums on the fly