Carpe Data and Harbor AI struck a partnership designed for one of insurance’s fastest-growing battlegrounds – excess and surplus lines.
Their joint pitch is simple: give underwriters speed, accuracy, and control when dealing with risks that are hard to place.
The collaboration blends Carpe Data’s real-world business signals with Harbor’s AI-powered workflow platform.
Operational characteristics, location and index data, and book-level monitoring come from Carpe Data. Harbor AI pipes those signals into underwriting steps where they matter most.
The result: underwriters can segment submissions, price more confidently, and apply targeted exclusions without bouncing between tools.
Renewal monitoring runs at scale, so clean accounts get retained without dragging on resources.
The E&S insurance market passed $80 bn in premiums. Competition is fierce, and being first to quote often decides who wins. Messy submissions slow that down.
According to Carpe Data CEO Max Drucker, Harbor.ai’s workflow keeps underwriters in control while layering in evidence-based signals that cut through the noise. Decisions move faster, and they stay consistent.
Paul Gaglioti, CEO of Harbor AI, called the integration a direct lift for underwriters, actuaries, and wholesale partners. Embedding Carpe Data’s signals into the Harbor.ai platform removes the need for endless web searches, surfaces the right accounts, and flags complex risks for review. The goal is clarity in minutes, not days.
Speed is essential, but submissions can be messy and hard to place. Harbor closes that gap with a clear, pragmatic workflow that keeps the underwriter in control.
Max Drucker, CEO of Carpe Data
“With Carpe Data’s evidence-based signals inside Harbor.ai’s platform, their customers segment and price faster for swift, confident decisions,” said Max Drucker.
For carriers and MGAs, the partnership means higher submission flow, sharper pricing adequacy, and cleaner exclusions on complicated risks.
Brokers benefit too – quicker clarity on tough placements and fuller submissions headed back to carriers. Actuarial teams see audit-ready, consistent inputs tied to real-world business activity, which strengthens model performance and renewal planning.
Carpe Data has built its brand on turning millions of online data points into insights insurers can use for claims and underwriting.
Harbor AI, built for specialty and E&S lines, provides the infrastructure to run those insights seamlessly from quote to bind.
Put together, the two companies argue, this isn’t about removing underwriters from the loop. It’s about equipping them to act decisively in a crowded market where speed is currency.
