Solutions / Carpe Loss Control
From a Phone Walkthrough to a Carrier-Grade Report
Walk in with a phone, walk out with a carrier-grade report. Carpe Loss Control turns an on-site walkthrough into a structured, explainable survey, with AI drafting every finding and a professional consultant making the call.
Risk Quality Grade
A deterministic Superior-to-Poor grade with every driver shown
First by Design
Every capture is stored on-device and syncs when signal returns
Every Finding Reviewed
AI drafts, and a consultant accepts, edits, or rejects each one
Industry Frameworks
Resolved automatically from the account industry (NAICS)
How Carpe Loss Control Works
The Loss Control Workflow, End to End
A survey request lands from the carrier, a consultant walks the site with a phone, the AI drafts findings from the captured media, and the platform returns a complete, explainable report ready to push back into the ordering system. Four pillars carry the work from the field to the file.
Four Pillars
Everything a Survey Needs, in One Product
Field capture, AI media assessment, explainable grading, and reporting, built to hand off to each other. Hover a tile to see the detail.
Field Capture Built for the Real World
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AI Media Assessment
Explainable Risk Grading
Survey Lifecycle and Reporting
Field Capture Built for the Real World
The capture workspace is tuned for the devices consultants actually carry and the conditions they actually work in. A single guided walkthrough produces a complete, structured record, whether or not there is signal in the building.
Phone-First Survey App
A purpose-built mobile capture workspace for on-site risk consultants, available as an installable web app and a native iOS app, tuned to work reliably on the devices consultants actually carry.
Guided Walk Scripts
Inspection-specific, ordered prompts per occupancy type point the camera where it needs to go, so a single video walkthrough produces a complete, structured report instead of freeform footage. Quick Intake forms cover the same risk sections for consultants who prefer a checklist.
Offline by Design
Every capture is stored on-device and syncs automatically when connectivity returns, so dead Wi-Fi in a warehouse basement never costs a photo. The full survey framework downloads in one fetch, so a complete survey can run with zero connectivity.
Evidence Integrity
Every capture is bound to its survey at the moment of capture, and misdirected uploads are rejected automatically, so the evidence on the report is the evidence from the site.
GPS Geo-Verification
Captures are geo-stamped and verified against the property address, producing a carrier-trustable signal that a photo was really taken at the site, surfaced on the survey and in the final report.
Voice-Memo Intelligence
Spoken field observations are transcribed, cleaned of dysfluencies, and graded through the same assessment pipeline, with tap-to-edit at the word level so nothing gets lost between the walk and the write-up.
AI Media Assessment
AI Reads Every Photo, Video, and Voice Memo
Each photo gets a plain-English description plus loss-control hazards graded against the specific occupancy type and the underwriter areas of interest, not generic image captioning. Video frames and narration are analyzed together, voice memos are transcribed and graded, and the whole survey is synthesized into one coherent assessment.
AI Drafts, and a Consultant Decides
Every finding arrives as a draft with a confidence score, marked pending consultant review, so a professional accepts, edits, or rejects it before it reaches the report. The result is the speed of an AI first pass with the judgment of a loss control expert on every hazard.
Findings are graded against the underwriter areas of interest for the account, so the report speaks directly to what the carrier flagged when the survey was ordered.
Risk Grading and Industry Frameworks
An Explainable Risk Quality Grade
The survey resolves to a deterministic Superior-to-Poor grade on a 0 to 100 scale, computed from hazard severity and survey completeness. Every grade ships with its drivers, so an underwriter can audit it, override it, and defend it, because underwriting decisions have to be defended.
Survey-Level Synthesis
Every photo, video, and voice memo is combined into a single plain-English assessment of the account, not a pile of disconnected findings.
Ranked, Graded Issues
Findings are ordered by severity with color-coded badges an underwriter can scan in seconds, each carrying a specific recommendation.
Traceable to the Evidence
Each issue links back to the captured media and the occupancy-specific reasoning behind it, so the grade never floats free of its proof.
Explainable by Default
Every grade decomposes into the hazard severity and survey completeness that produced it. Underwriters can see the drivers, override them, and defend the number.
Industry-Specific Frameworks
The right questionnaire resolves automatically from the account NAICS across retail, construction, manufacturing, wholesale, real estate, restaurant, campus, auto dealer, office, warehouse, and solar.
All-Lines Coverage
One survey supports Property, Workers Comp, Auto and Fleet, and General Liability, with a shared core question bank that makes true cross-segment benchmarking possible.
Answer Integrity
Every question tracks answered, N/A, or not-observed status, and high-signal questions require a documented reason or a bound voice memo, so nothing gets quietly skipped.
One Survey, One Carrier-Grade Report
The Loss Control workspace tracks surveys, accounts, and statuses across the whole operation, with a zoomable media gallery on every survey. When the work is done, the report is one click from a branded PDF and one webhook from the carrier ordering system.
Loss Control Workspace
A single dashboard for surveys, accounts, and statuses, with a zoomable media gallery that spans the whole operation, so nothing about a survey lives in a silo.
One-Click PDF Export
A complete, professionally structured report per survey, with hazards, grades, media evidence, cleaned transcripts, and geo-verification badges, downloadable as a branded PDF in one click.
Survey-Ordering Integration
Carriers submit requests through secure webhooks, and Carpe Loss Control pushes status updates from Requested to Completed and delivers the finished report payload back automatically, in both directions.
Purpose-Built for the Loss Control Team
Capture photos, a video walkthrough, and voice notes in one guided flow on the phone already in hand. Guided walk scripts keep the survey complete, offline capture keeps every photo safe in a dead zone, and the AI drafts findings the consultant reviews on the spot, so the days of post-visit write-up compress into a single walkthrough.
Part of the Carpe Pulse Platform
Field Loss Control, Wired Into Living Risk Intelligence
Carpe Loss Control is the field half of Carpe Pulse, the living risk intelligence platform for commercial insurance. The carrier-grade surveys it produces feed the same risk picture that Carpe Pulse keeps alive across the book between renewals, so a walkthrough today informs the account tomorrow.
Common Questions About Carpe Loss Control
How does Carpe Loss Control produce a carrier-grade report from a phone?+
A risk consultant walks the property with the Carpe Loss Control app, capturing photos, a video walkthrough, and voice memos through guided, occupancy-specific prompts. The AI grades every piece of media against the occupancy type and the underwriter areas of interest, the consultant reviews and finalizes each finding, and the platform assembles a complete report with hazards, an explainable grade, media evidence, cleaned transcripts, and geo-verification badges, exportable as a branded PDF.
What is the Risk Quality Grade and why is it explainable?+
The Risk Quality Grade is a deterministic Superior-to-Poor grade on a 0 to 100 scale, computed from hazard severity and survey completeness. Every grade ships with the drivers that produced it, so an underwriter can audit it, override it, and defend it rather than trust a black-box score.
Does the AI replace the consultant?+
No, Carpe Loss Control is human-in-the-loop by design, so the AI drafts findings from the captured media and a professional consultant accepts, edits, or rejects each one before it reaches the report. The speed comes from the AI first pass, and the judgment stays with the loss control expert on every hazard.
How does it handle poor connectivity in the field?+
Carpe Loss Control is offline-first, so every capture is stored on-device and syncs automatically when connectivity returns, and the entire survey framework downloads in one fetch. A full survey can be completed with zero signal, and a warehouse basement with dead Wi-Fi does not cost a single photo.
Can it connect to our existing survey-ordering system?+
Yes, carriers can submit survey requests directly through secure webhooks, and Carpe Loss Control pushes status updates from Requested to Completed or Cancelled. It delivers the finished report payload back automatically, in both directions, including cancel-with-reason.
Which industries and lines of business does it cover?+
The right survey framework resolves automatically from the account industry across retail, construction, manufacturing, wholesale and distribution, real estate, restaurant, education and campus, auto dealer, office, warehouse, and solar. One survey supports Property, Workers Comp, Auto and Fleet, and General Liability, with segment add-ons that attach when relevant.
See Carpe Loss Control on a Real Survey
Our team can walk you through a live survey on your classes of business, from a phone-first field capture to an explainable Risk Quality Grade and a carrier-grade PDF report.