New AI-native solution turns carrier appetite and live business intelligence into faster, source-backed underwriting decisions

Carpe today announced the Minerva Reasoning Engine, an AI-native commercial underwriting solution that uses live business intelligence to turn each carrier’s small commercial appetite into evidence-backed quote, decline, or refer recommendations.

Across the industry, small commercial underwriters face the constant challenge of ensuring that the time and resources spent researching a business do not outweigh the policy’s potential profit. Managing that balance effectively requires speed and accuracy. Carriers need to quote more of the right risks, move straightforward submissions through faster, and focus underwriter judgment where it creates the most value. Yet traditional workflows hamper that growth with time-consuming manual research, disconnected data, and inconsistent appetite application.

The Minerva Reasoning Engine gives carriers the necessary speed and precision to grow their small commercial books profitably by converting each carrier's appetite into named, testable rules. In a single workflow, it resolves the business, enriches the record, applies those rules to current Carpe intelligence, and returns a source-backed reasoning path. Carriers can apply the same logic across submissions and distribution channels while keeping underwriters in control of judgment-intensive risks.

"Carriers need better decisions from the data already available to them," said Max Drucker, Chief Executive Officer at Carpe. "We’ve spent more than a decade building exceptional commercial intelligence, and the Minerva Reasoning Engine gives carriers the reasoning they need to expand capacity while keeping underwriting judgment focused on the risks that deserve it. That creates room to grow the book with greater control over both loss and expense performance."

The Minerva Reasoning Engine helps carriers:

• Reduce underwriting touches by up to 25% by moving straightforward risks through automated workflows.
• Save 30-45 minutes per submission by replacing manual business research with decision-ready intelligence.
• Evaluate more than 200 business characteristics to identify the risks that fit the carrier's growth strategy.
• Apply and configure appetite across 50M+ U.S. business profiles with consistent rules, source-backed evidence, and plain-language tuning when appetite shifts.

The Minerva Reasoning Engine is available to commercial carriers seeking to increase underwriting capacity, improve decision consistency, and grow their small commercial books profitably. Learn more at www.carpe.io.

About Carpe

Carpe gives insurers the shortest path from data to decision. The company's AI-native solutions transform online data and public records into decision-ready intelligence for fraud detection, claims management, and underwriting. Carpe serves leading insurers with products designed for real insurance workflows, helping teams evaluate risk, act faster, and make more confident decisions. Learn more at www.carpe.io.

View source version on businesswire.com: https://www.businesswire.com/news/home/20260820327968/en/

The Minerva Reasoning Engine gives carriers the necessary speed and precision to grow their small commercial books profitably by converting each carrier's appetite into named, testable rules.