Carpe Data is now Carpe

Twenty years ago the scarce resource in insurance was data. Carriers built the pipelines, bought the feeds, added the sources. It worked. Today a claim file or an underwriting submission carries more signal than any team can read, and the constraint sits somewhere new: making a confident, defensible call on the evidence in front of you, faster than the market around you.

We rebuilt our company around that constraint. We dropped a word from our name to mark it.

Ten years of finding the signal

Carpe was founded in 2016 on a simple thesis: the signal carriers need lives outside their four walls. A claimant who says he cannot work while publicly posting videos of physical activity. A small business whose real operations look nothing like the class code on the application. The signal was sitting in the open, and the industry was built to miss it.

For a decade we built the machinery to find it.

• 10M+ claims processed
• 500K+ claims with fraud evidence surfaced
• $500M+ reclaimed for carriers since 2016
• 40+ carriers in production, including nine of the top twenty U.S. P&C carriers

More than a data company

For ten years, "data company" was the right description, and we were very good at it. Today it describes a fraction of what we are.

Carpe is a software company. A systems company. An intelligence company. An AI company. We design the engines, we build the workflows, and we deliver the decisions those workflows exist to produce. That is the pace the future moves at, and we rebuilt this company to move at it.

Our edge in that future is our history. AI talent is everywhere now, and the models themselves get cheaper by the quarter. Insurance depth is what stays rare. A decade inside claim files and underwriting submissions, tracking what actually happened across millions of outcomes, taught us how insurance decisions get made, defended, and paid. General-purpose AI companies are discovering insurance from the outside. We were built inside it. That is why this moment belongs to us: the hardest thing to acquire in the AI era is context, and ours is ten years deep and impossible to buy overnight.

What AI-native means at Carpe

"AI-native" is an easy phrase to overuse, so here is our definition. The same intelligence engines we use to build our solutions are the engines that run them in production, and they are steeped in a decade of insurance data and tracked outcomes. On that foundation, we put AI to work in three distinct ways.

1. AI to build. The quality, speed, and power of AI engineering lets us ship software at a pace this industry has never seen. A carrier asked whether our commercial data could catch fraud schemes in their specific use case. Leveraging our existing data and platform, we had a working proof of concept in under two weeks and a happy customer inside a month. We have shipped eight new solutions this way since we began our AI journey, and every one began as a conversation about a specific carrier pain point. Before we rebuilt the company around these principles, that same work and value proposition was just not viable.
2. AI to sharpen the core. The data products carriers have trusted for a decade get measurably better every quarter. Better matching, better fill, fewer false positives, higher confidence in every record we return. AI raises the floor of everything we already sell, and the carriers who have run Carpe for years feel it without changing a thing on their end.
3. AI to do what was never possible. Some capabilities simply could not exist before now. Reasoning engines that answer an underwriter's questions about a business in plain narrative, with the evidence attached. Claims workspaces that read the entire file, assemble the parties and the facts, and surface what an adjuster would have spent days piecing together. Loss control that monitors a risk continuously, a living assessment in place of an annual snapshot. This is the category we are most excited about, because it is brand new ground and we get to define it.

The old tradeoff between speed, quality, and cost is coming apart. When the machinery is already yours and already understands insurance, you stop rebuilding it for every idea. The iron triangle is dead.

Tomorrow, AI-native means the engines stop waiting for the ask. Systems that live inside the carrier's workflow, watch outcomes, and get smarter with every claim they touch. Capabilities built ahead of the request, because a decade of pattern data tells us where the next problem surfaces before the carrier feels it. We started as a product company. We are becoming decisioning infrastructure for the industry, and the same engines carry us there.

A partner in the decision

When the decision was about data, a vendor's job ended at delivery. Here is your feed, good luck. When the reasoning is the product, we are on the hook for the hardest part of the carrier's workflow, and the relationship changes with it.

A large national carrier has a data science team, and that team is spoken for. The niche problems that matter to a single line of business wait in a queue for years behind bigger priorities. A regional or mid-size carrier often has no such team at all, and bespoke decisioning has simply been out of reach. We serve both from the same engines. We pick up the problem the big carrier's roadmap will never get to, and we give the smaller carrier a capability it could never have staffed.

For many carriers we are embedded in the tools their teams already use. For a growing number, we build the workflow itself, around a problem they described to us and could not solve alone.

The carrier still makes the call. We get them there faster, with the evidence attached.

Carpe

Carpe means seize. For ten years we seized the data. Now we seize the moment between evidence and action, at every point from quote to claim closure. The next decade of insurance will be won on fast, confident, defensible decisions, and on building the next capability a carrier needs before the carrier loses the will to ask.

Bring us the problem your roadmap will never reach. See what we can do.

"I'm a builder. For ten years we built the machinery that found what everyone else missed. The moment AI matured enough to reason over what we had built, everything about this company got faster, and honestly, a lot more fun. Data was chapter one. This is the most exciting build of my career."

Max Drucker, co-founder & CEO

Learn more at carpe.io.