AI for commercial insurance underwriting

One instruction in Outlook replaces all the handoffs.

Outlook is the interface.
Qlo is an AI-native system of record underneath it.

Built with commercial underwriting teams

Distinguished Executive Lines

Distinguished Programs Executive Lines is already achieving 3× primary quote throughput with Qlo.

“Our quote throughput is up considerably since going live on Qlo. Quoting is significantly faster, and the team has fully embraced it.”
Ryan Becker
Ryan Becker President, Distinguished Executive Lines

Everything starts with one observation:

Underwriting contains a few critical risk decisions, surrounded by hundreds of mechanical actions.

Today,

We use AI agents to fully automate commercial underwriting operations.

By executing the workflow, Qlo captures every decision, exception, and discretion to learn the judgment.

Eventually

Qlo will build
the autonomous AI underwriter.

Human underwriters won’t be replaced, they’ll become more valuable instead.

In the future

Every commercial insurance program will be built and operated end to end by AI agents on Qlo.

Human underwriters review the decisions and focus on building relationships with brokers.

Today

AI agents that run underwriting operations.

Supervisor agents live in your existing channels. Ask in natural language, and they'll coordinate the right specialized agents to do the work.

Supervisor Agents
Qlo Qlo Agent
Outlook Inbox Agent
Excel Excel Agent
Word Word Agent
Ask a supervisor agent…

Specialized Agents

Your rating workbook on Qlo,
parity checked to match your Excel rating spreadsheet.

More agents are in development.

The Qlo Platform

Your team and the AI agents share the same underwriting workspace.

They share the same account data, documents, and rules. Every action they take is visible, traceable, and fully auditable.

A few partner slots open for 2026

Run your own book on Qlo today

Onboard a new program onto Qlo’s underwriting stack, on your own forms and your own rates. Your existing PAS stays exactly where it is.

  1. Submit the form
  2. We’ll schedule a call
  3. Share your materials
  4. Go live within two weeks

This opens your email app with your enquiry. Review and send the draft to hello@qlo.technology.