Qlo YC Application

Summer 2026Active

San Francisco

Qlo went through Y Combinator in the Summer 2026 batch as a Fintech company. Below: what the company does, who founded it, and its application to YC, reconstructed question by question in the real YC form.

YC batch: Summer 2026
Industry: FintechInsurance
Location: San Francisco
Team size: 2
Status: Active
Launched: 2026

Founders

Ryan HuFounder/CEO
Liv HuangFounder

What Qlo does

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.

Qlo's YC application, reconstructed

Y Combinator application

Qlo, Summer 2026 batch. The real form questions, answered from public data.

Founders2
Company7
Progress7
Idea4
Equity3
Curious2
Batch Preference1

Company

Company name

Qlo

Describe what your company does in 50 characters or less.

AI agents for commercial insurance underwriting.

What is your company going to make? Please describe your product and what it does or will do.

We build AI agents to run the operational and decision work in commercial insurance underwriting. Qlo automates the day-to-day tasks and workflows for underwriters, manages rules, documents, permissions, and builds the system of record for carriers. Over time, Qlo aims to become an autonomous AI underwriter that can handle accounts alongside humans.

Where do you live now, and where would the company be based after YC?

We live in San Francisco, CA and the company will stay based here after YC.

Explain your decision regarding location.

San Francisco is the best place to build enterprise AI companies, especially for insurance and fintech. Access to customers, talent, and community is strong here.

21 more answers in the full application

Founders, Progress, Idea, Equity, Curious, Batch Preference are in the full version. Create a free account to open it in YC Insights, next to every other YC batch.

See full application

Frequently Asked Questions

Is this the real Qlo YC application?

No. Y Combinator keeps submitted applications private. This is a reconstruction: the real YC form questions, answered from Qlo's public data (launch notes, founder backgrounds, product description). It shows how a company like Qlo would present itself to YC, not the text they submitted.