Qlo

Legora for commercial insurance carriers

3.3Score#287 of 999 agents#2 of 4 in Insurance underwriter

Why it ranks #287

Qlo, an AI insurance underwriter from YC S26, ranks #287 of 999 AI agents and #2 of 4 in Insurance underwriter, with a score of 3.3 of 10. Data as of 3 Oct 2026.

The score adds four parts, each 0 to 10, by weight. Every point comes from public evidence. How scoring works ·

Proof 2 × 30% 0.6
Scale 1 × 30% 0.3
Momentum 6 × 25% 1.5
Autonomy 6 × 15% 0.9
= 3.3

Proof
Do customers use it? 30% of the score
2
Claims a customer result.
- +2
  A customer result
  “One enterprise client signed a two-year contract, went live in May, and has since tripled weekly primary quote throughput.”
  Launch YC post · 20 Aug 2026
Not found: revenue or growth (+4), named customers (+3), a customer count (+2), work done at scale (+2)
Scale
Is there a real company behind it? 30% of the score
1
2 people.
- +1
  2 people on its YC page2 people
Not found: funding round in its news (+3)
Momentum
Is it shipping and growing now? 25% of the score
6
Shows a recent launch, a new claim and a new batch.
- +3
  Launched in the last 6 monthsQlo - AI agents that run commercial underwritingLaunch YC post · 20 Aug 2026
- +2
  A new traction claim
  “One enterprise client signed a two-year contract, went live in May, and has since tripled weekly primary quote throughput.”
  Launch YC post · 20 Aug 2026
- +1
  New: YC Summer 2026
Not found: open roles on YC (+2), funding news in the last year (+2)
Autonomy
How much of the job does it do on its own? 15% of the score
6
Supervised agent: takes actions in other systems; a person approves key steps.
- +6
  Level 2 of 4: Supervised agentTakes actions in other systems; a person approves key steps.
What the model read
- Acts in other systems: 82% likely
- Finishes whole tasks: 41% likely
- Calls itself an agent: 98% likely
Level 2: Takes actions in other systems; a person approves key steps.

About Qlo

Qlo builds AI agents to run commercial insurance underwriting. We start by fully automating the operational work around risk decisions, become the system of record, and earn autonomy workflow by workflow toward the autonomous AI underwriter.

We’re rebuilding underwriting infrastructure from the ground up so human underwriters and AI agents can share the same accounts, rules, documents, permissions, and workflow state.

We believe every commercial insurance program will eventually be built and operated end to end by AI agents on Qlo.