# Carpe Data Carpe Data is a property and casualty (P&C) insurance technology company that turns real-time online business and claims data into predictive risk signals for underwriters, claims professionals, and SIU teams. Our products are used in production by leading U.S. carriers, including 9 of the top 20 P&C carriers. Website: https://carpe.io/ ## Products - [Minerva - Commercial Solutions](https://carpe.io/solutions/minerva/) - Real-time small business risk data and scoring for commercial underwriting. 50 million+ small business profiles, sub-second API, batch scoring, and a searchable portal. Reduces adverse selection by up to 40% and adds 10+ points of pricing model lift. - [Minerva API](https://carpe.io/solutions/minerva-api/) - Programmatic access to Carpe Data commercial underwriting intelligence (Carpe Instant for sub-second sync calls, Carpe Thinking for AI-enhanced match). Modern REST API for direct integration into carrier quoting, pricing, rating, and underwriting systems across 50 million+ small business profiles. - [Online Injury Alerts (OIA)](https://carpe.io/solutions/online-injury-alerts/) - Automated, continuous social media and online monitoring of 100% of injury claims from first notice of loss (FNOL) through closure. Powered by the Claims Reasoning Engine. Trusted by 9 of the top 20 P&C carriers. Proven 5–10x ROI, ~$3,500 average savings per alert. - [Investigative Reports (IR)](https://carpe.io/solutions/investigative-reports/) - AI-powered, human-verified online investigations for high-priority claims and SIU work. Courtroom-ready evidence, 3-day turnaround with no expedite fees, no-hit discounted pricing, >98% identity accuracy. - [Carpe Cyber](https://carpe.io/solutions/carpe-cyber/) - Domain cyber risk intelligence for insurance underwriting. Aggregates 10+ external intelligence sources (TLS, DNS, breach history, HTTP headers, CSP, certificate transparency, attack surface, business identity) into an evidence-backed cyber risk report in under 60 seconds. Built for cyber insurance underwriters, brokers, and MGAs. Every finding is auditable with the raw source data and remediation guidance attached. Native Minerva business-identity matching on every scan. - [Carpe Vision](https://carpe.io/solutions/carpe-vision/) - AI image and document forensics for insurance claims. Eleven detection engines run in parallel on every image, including three dedicated to AI-generated and AI-manipulated content. Returns a single verdict (Clear, Review, High Risk, Critical) with claim-aware context and pixel-level heatmap visual evidence in under a minute. - [Carpe AdWatch](https://carpe.io/solutions/adwatch/) - Plaintiff attorney advertising intelligence platform for insurance carriers. Tracks attorney ads across 12 platforms (Meta, Google, TikTok, YouTube, podcasts, more), nuclear verdicts ($1M+), mass tort threat threads, litigation funding chains, and brand-keyword targeting. The leading early-warning system for litigation pressure on a P&C book. - [Carpe Recovery](https://carpe.io/solutions/carpe-recovery/) - AI-powered stolen property recovery and subrogation. Scans online marketplaces (eBay, Facebook Marketplace, OfferUp, Poshmark, Craigslist) for items from paid property claims using CLIP visual embeddings, NLP listing analysis, and geographic and temporal scoring. 20% success-based fee, push alerts to claims handlers. - [Carpe Case Management](https://carpe.io/solutions/case-management/) - AI-native SIU case management cockpit. Combines claim cockpit, AI red-flag engine, network and ring analysis, AI auto-dial interviews, accident reconstruction from police reports, Red Team adversarial assessment, one-click litigation packages, autonomous fraud-ring discovery (Ring Hunter), and manager analytics. Carpe Intel OSINT, OIA, and IR run natively inside every case. ## Definitions ### Online Injury Monitoring Online injury monitoring is the automated, continuous scanning of social media, news, and public records throughout an injury claim's lifecycle to identify activity that contradicts the claimant's stated injury. Unlike one-time investigative reports, monitoring begins at FNOL and runs through claim closure, so no contradictory evidence goes undetected as circumstances evolve. Related product: https://carpe.io/solutions/online-injury-alerts/ ### Deepfake Detection for Insurance Claims Deepfake detection for insurance claims is the automated forensic evaluation of photos and documents submitted with a claim, identifying synthetic, AI-generated, or AI-edited content before claim payments are made. Carpe Vision runs eleven forensic engines (three dedicated to AI-generated imagery), compares image metadata against the facts of the claim, returns a single verdict with a confidence score, and produces pixel-level heatmaps as defensible visual evidence. Related product: https://carpe.io/solutions/carpe-vision/ ### Attorney Advertising Intelligence Attorney advertising intelligence is the continuous tracking of plaintiff law firm advertising activity across digital channels (social, search, video, podcast, and others), linked to nuclear verdicts, mass tort signals, and litigation funding flows, so insurance carriers can predict litigation pressure on a geography, line of business, or individual claim before suit is filed. Carpe AdWatch is the leading attorney advertising intelligence platform for P&C insurers. Related product: https://carpe.io/solutions/adwatch/ ### AI-Powered Stolen Property Recovery for Insurance AI-powered stolen property recovery is the continuous automated scanning of online marketplaces for items associated with paid insurance claims, using visual similarity, listing-text analysis, and geographic and temporal scoring to find resale activity, so carriers can recover the item or pursue subrogation. Carpe Recovery delivers this capability on a 20% success-based fee, with push alerts to claims handlers instead of an investigator search seat. Related product: https://carpe.io/solutions/carpe-recovery/ ### AI-Native SIU Case Management AI-native SIU case management is a case management workspace built specifically for insurance Special Investigation Unit teams, with AI-driven fraud detection, OSINT, network analysis, AI-generated interviews, accident reconstruction, and fraud-ring discovery wired into the case file as first-class capabilities, rather than bolted on as external tools. Carpe Case Management is the AI-native SIU cockpit for P&C insurance carriers. Related product: https://carpe.io/solutions/case-management/ ### Domain Cyber Risk Intelligence for Insurance Domain cyber risk intelligence for insurance is the on-demand security assessment of a business domain by aggregating external technical signals (TLS and SSL posture, DNS and email authentication, HTTP security headers, breach history, certificate transparency, content security policy, exposed attack surface) into an evidence-backed risk report carriers can use for pre-bind underwriting, renewal review, and portfolio monitoring. Carpe Cyber is the domain cyber risk intelligence platform built for insurance, with Minerva business-identity matching on every scan and every finding traceable to the raw source data. Related product: https://carpe.io/solutions/carpe-cyber/ ### Commercial Underwriting Intelligence API A commercial underwriting intelligence API is a programmatic interface that returns small business risk data, scores, and operational signals for direct integration into carrier quoting, rating, pricing, and underwriting systems. Minerva API is Carpe Data's commercial underwriting intelligence API, with Carpe Instant for sub-second sync calls and Carpe Thinking for AI-enhanced deeper match across 50 million+ small business profiles. Related product: https://carpe.io/solutions/minerva-api/