Carpe Data, a leading provider of next-generation data solutions, and Harbor.ai, an underwriting platform that applies AI to complex insurance workflows, have announced a strategic partnership designed to help excess and surplus (E&S) insurers act decisively on hard-to-place risks.
The partnership aims to enhance underwriting efficiency and decision-making by combining Carpe Data’s actionable business signals with Harbor.ai’s AI-driven underwriting platform.
Together, the firms will enable E&S carriers to accelerate quote speed, refine pricing accuracy, and improve renewal monitoring — all while maintaining control and reducing operational friction for underwriters.
Carpe Data, based in Santa Barbara, California, delivers predictive data and analytics to the insurance industry.
The company leverages real-world business signals, location insights, and performance indicators to improve underwriting, claims, and risk assessment processes.
Harbor.ai, meanwhile, is an AI-powered underwriting platform focused on simplifying complex insurance workflows. The platform delivers embedded insights and automation tools that help insurers and MGAs streamline decision-making, reduce manual effort, and maintain underwriting consistency at scale.
The collaboration allows Carpe Data’s intelligence — such as operational characteristics, index signals, and late-emerging exposure flags — to be delivered directly within Harbor.ai’s workflow. This integration removes the need for underwriters to switch between systems and ensures that critical data is presented at the right moment. The result is more accurate pricing recommendations, sharper technical adequacy, and targeted exclusions that help control loss severity.
In addition to enhancing underwriting outcomes, the partnership benefits E&S carriers and managing general agents (MGAs) with cleaner, more explainable pricing and improved model performance. Wholesale brokers also gain faster clarity for difficult placements, while actuarial teams receive consistent, audit-ready data that supports renewal strategies.
“E&S premiums grew to more than $80bn in 2024, fuelling intense competition where being first to quote often wins,” said Carpe Data CEO Max Drucker. “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.”
“Carpe Data brings real-world business signals that E&S underwriters can act on in minutes,” said Harbor.ai CEO Paul Gaglioti. “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.”
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