Qlo
<!-- hacklab:yc-profile -- YC company profile Legora for commercial insurance carriers Qlo builds AI agents to run commercial insurance underwriting. We start by fully automatin…
About Qlo
YC company profile
Legora for commercial insurance carriers
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.
- YC batch: Summer 2026
- Founded: 2025
- Team size: 2
- Location: San Francisco
- Country: US
- Status: Active
- Industry: Fintech
- Stage: Early
- Tags: Insurance, Enterprise Software, AI
- YC partner: Gustaf Alstromer
Founders
Ryan Hu — Founder
Founder of Qlo. Previously bootstrapped a B2B product studio to $500K ARR and built a commercial insurance marketplace that received an acquisition offer from a public insurer. Moved from Taiwan to build in the U.S. Studied Electrical Engineering at National Taiwan University before dropping out.
Liv Huang — Founder
Co-Founder at Qlo. Previously Cloud Engineer at CuboAi, building scalable backend infrastructure and driving cross-functional AI adoption. Self-taught engineer with an academic background in Counseling and Educational Psychology.
Source: Y Combinator · Retrieved 2026-11-02. Company information is self-reported on YC.