Minerva API
Embed Minerva Intelligence Where Your Underwriters Already Work.
Minerva API delivers the same commercial underwriting intelligence that powers Minerva Explorer, straight into the carrier systems your quoting, rating, and underwriting teams already use.
Minerva API
Embed Minerva Intelligence Where Your Underwriters Already Work.
Minerva API delivers the same commercial underwriting intelligence that powers Minerva Explorer, straight into the carrier systems your quoting, rating, and underwriting teams already use.
Carpe Instant Response
Sub-second sync calls at quote
Small Business Profiles
~90% of insurable SMBs in the U.S.
Points of Pricing Lift
On top of traditional datasets
Modern API
JSON in, JSON out, OAuth-secured
Profitable Growth Lives in the System of Record, Not the Side Tool
Growing a small commercial book profitably means writing more of the right business and less of the wrong, at the moment of decision. That decision happens inside the quoting system, the rating engine, the underwriter workbench, the renewal queue. Intelligence that only lives in a side portal cannot move the loss ratio.
Minerva API delivers Carpe Data commercial intelligence directly into those systems. The same Carpe Risk Score, anomaly score, loss propensity, NAICS validation, AI business summaries, and 200+ business characteristics that power Minerva Explorer are available over a modern REST API, with sub-second response on Carpe Instant and AI-enhanced match on Carpe Thinking.
The Results Carriers Are Seeing in Production
reduction in adverse selection
increase in straight-through processing
points of pricing model lift
loss ratio improvement
expense ratio reduction
return on investment
Results based on carrier production data across BOP, General Liability, Workers Compensation, and commercial property lines. Individual results vary based on book composition and implementation depth.
Two Modes, One API
Carpe Instant and Carpe Thinking share a single API surface, so a carrier can use either mode (or both) depending on the moment of decision in the workflow.
Carpe Instant
Sub-second responses from the Carpe data layer, designed to run synchronously inside a quote flow, triage decision, or rating engine call. Carpe Instant returns risk indexes, Carpe Risk Score, NAICS validation, anomaly detection, location insights, and the 200+ boolean business characteristics needed for automated underwriting at scale. Built for the volume of submissions that should clear without human touch.
Carpe Thinking
AI-enhanced match for the cases that need real underwriting judgment. Carpe Thinking combines the datastore with live online search and AI analysis to return deeper context, AI-generated business summaries, and reason-coded scoring in one to three minutes. Used for referred quotes, complex renewals, and any submission where the answer matters more than the millisecond. Carpe Thinking lifts match rate by approximately 30% over Instant alone.
Where Minerva API Plugs In
Quote and Bind Systems
Wire Minerva API into the quoting workflow so every submission gets scored in real time. Sub-second response keeps the quote experience fast for agents while feeding pricing models the differentiated commercial signal they need.
Rating Engines
Carpe Risk Score, anomaly score, loss propensity, and 200+ business characteristics return as structured fields, ready for direct use in rating algorithms, segmentation models, and pricing factors. Reason codes and source evidence travel with every signal.
Underwriting Workbench
Surface Carpe data inside the underwriter workspace, with AI business summaries, NAICS validation reasoning, and direct links to the supporting evidence. Carpe Thinking adds depth on the files that earn an underwriter’s time.
Batch Scoring
Send portfolio files for offline scoring against the full Minerva dataset for actuarial modeling, book reviews, and renewal prioritization, with full match rates and enriched attributes returned in a standard file format.
Built for Carrier Engineering Teams
JSON REST, OAuth-Secured
A modern REST API with JSON requests and responses. OAuth 2.0 client credentials for service-to-service auth, scoped per environment, with rotating credentials managed through a carrier-facing developer portal.
Sandbox With Real Sample Data
A non-production sandbox seeded with representative payloads across BOP, GL, Workers Compensation, and commercial property. Carriers can wire integration end-to-end before production keys are issued.
Stable Schemas, Versioned
Versioned response schemas with documented deprecation windows. Carriers integrating Minerva API once stay integrated, with new fields delivered additively and breaking changes telegraphed well in advance.
Reason Codes On Every Signal
Every score, flag, and characteristic ships with reason codes and pointers to the public-source evidence behind it. Critical for explainability, model documentation, and regulator conversations.
Generous Rate Limits
Limits tuned for quote-time integration and batch operations, with burst capacity for renewal cycles and book reviews. Dedicated capacity available for high-volume programs.
Observability and SLAs
Latency, availability, and match-rate SLAs documented per environment. Carriers get production telemetry and status visibility through the developer portal, with a documented incident protocol.
Testimonials
What Carriers Say About Carpe.
“By integrating new data elements from Carpe Data into our insurance programs for small businesses, we can better understand the challenges faced by business owners and identify options to address their commercial insurance needs.”
Sharon Fernandez · Farmers Insurance
President of Business Insurance
“Carpe Data is the latest addition to Zurich’s ongoing innovation programs focused on transforming the future of insurance…[Carpe Data] supports Zurich’s ongoing efforts to improve the claimant experience by expediting low-risk claims, and by providing new insights to help our people make informed, accurate, and timely decisions.”
Scott Clayton · Zurich Insurance Company Ltd
Head of Claims Fraud, UK
“Carpe Data has been a great partner in helping us strengthen the claims handling process…Online Injury Alerts helps [us] continue to meet our goals of increased efficiency, reduced potential fraud and improved customer experiences.”
Douglas L. Kratzer · The Hanover Insurance Group
Vice President, Claims
Common Questions About Minerva API
What is Minerva API?+
Minerva API is the programmatic access layer to Carpe Data Commercial Solutions. It returns the same commercial underwriting intelligence carriers use through the Minerva Explorer portal (Carpe Risk Score, anomaly score, loss propensity, NAICS validation, location insights, AI business summaries, and 200+ business characteristics), delivered as JSON over a modern REST API, ready to integrate into carrier quoting, pricing, rating, and underwriting systems.
What is the difference between Carpe Instant and Carpe Thinking?+
Carpe Instant returns risk signals in under one second from the Carpe data layer, optimized for synchronous integration into quote, bind, triage, and rating flows. Carpe Thinking combines the datastore with live online search and AI analysis to return deeper, AI-enhanced results in one to three minutes, designed for referred quotes, complex renewals, and any submission where match depth matters more than millisecond latency. Carpe Thinking lifts match rate by approximately 30% over Instant alone.
How quickly can a carrier integrate Minerva API?+
The sub-second REST API integrates with most carrier quoting, triage, and pricing systems in a matter of days. Carriers typically wire the sandbox first, run representative payloads against their systems, and move to production keys once the integration is verified. Most carriers generate value before their next committee meeting.
What lines of business does Minerva API support?+
Minerva API is built for small commercial and middle-market property and casualty lines, including Business Owners Policy (BOP), General Liability (GL), Workers Compensation, commercial property, and lessors risk. Coverage spans roughly 90% of insurable small businesses in the U.S. across 50 million+ profiles.
Is the underlying data available for model training and actuarial use?+
Yes. Beyond real-time API access, Carpe offers data licensing for actuarial and data science teams building proprietary commercial lines pricing models, segmentation engines, or AI underwriting tools. Licensing scope is sized to the use case across the full 50 million+ small business profile dataset, scored attributes, and historical online signals.
How does Minerva API differ from traditional commercial data vendors?+
Traditional commercial underwriting data is built on firmographics, credit, and property data that has already been priced into the market. Minerva API delivers a differentiated layer: real-time online business data sourced from company websites, review platforms, social media, and commercial sites, scored and structured for direct use in underwriting decisions. This layer adds 10+ points of model lift on top of traditional datasets, not instead of them.
Start in the Sandbox, Move to Production
Our engineering team can scope the integration, share sandbox credentials with representative payloads on your lines of business, and partner with your developers from wiring to production cutover.