Carpe Data, a provider of data solutions for the insurance industry, and Harbor.ai, an AI-driven underwriting platform, have partnered to assist excess and surplus (E&S) insurers in making informed decisions on complex and hard-to-place risks.
The collaboration aims to increase underwriting speed and accuracy for E&S carriers. It integrates smart rules and scores to boost policy flow without increasing loss volatility, alongside at-scale renewal monitoring to ensure profitable retention. The partnership is also designed to provide precise pricing recommendations and targeted exclusions, intended to improve technical adequacy and reduce the severity of losses on intricate risks. These capabilities are delivered directly within the daily underwriting workflow, enabling E&S insurers to take prompt action.
The joint solution maintains underwriter control by integrating Carpe Data’s operational characteristics, location and index signals, and book-level monitoring for late-emerging exposures. Harbor.ai’s platform then delivers these insights at critical stages of the workflow, aiming to minimize manual data gathering and facilitate consistent, auditable decisions across large inventories of applications. Together, the companies seek to help carriers increase the volume of in-appetite accounts, support account-level pricing, recommend appropriate exclusions for complex risks, and conduct portfolio-wide renewal checks without requiring additional resources.
Max Drucker, CEO of Carpe Data, noted the intense competition within the E&S market, where premiums exceeded $80 billion in 2024. He stated, “Speed is essential, but submissions can be messy and hard to place. Harbor.ai closes that gap with a clear, pragmatic workflow that keeps the underwriter in control. With Carpe Data’s evidence-based signals inside Harbor.ai’s platform, their customers segment and price faster for swift, confident decisions.”
Paul Gaglioti, CEO of Harbor.ai, added, “Carpe Data brings real-world business signals that E&S underwriters can act on in minutes. With these insights embedded directly in our platform, our customers can cut down on manual web searches, segment more cleanly, and push the right accounts forward while holding complex risks for review. It is a direct lift for underwriters, actuaries, and wholesale partners who need clarity in minutes, not days.”
This partnership is anticipated to offer several benefits across the E&S ecosystem. E&S carriers and Managing General Agents (MGAs) are expected to experience higher flow and more transparent, explainable pricing decisions for challenging classes of business. Wholesale brokers may gain quicker clarity for difficult placements and deliver more comprehensive submissions to carriers. Actuarial and pricing teams could receive consistent, audit-ready inputs linked to real business activity, potentially enhancing model performance and renewal strategies.
Carpe Data specializes in transforming online data into actionable insights for the insurance sector. Its AI-powered solutions, including Online Injury Alerts, Investigative Reports, and Commercial Solutions, are designed to assist carriers in fraud detection, claims cycle automation, and understanding small business risks.
Harbor.ai provides a comprehensive insurance technology platform tailored for the specialty and E&S lines market. The platform offers modern infrastructure to streamline operations from quote-to-bind, facilitating faster underwriting decisions and improved risk assessment. Harbor.ai integrates rules-based automation with advanced analytics to support straight-through processing while maintaining the flexibility required for specialty insurance. The company partners with AM Best A+ rated carriers to deliver its distribution platform.
