Get expert answers to assess any risks, in hours not days. Built for underwriters.
Every underwriting submission raises legal, tax, financial and sector-specific questions that you can't always answer in-house. You need those answers to get comfortable with the risk. Carn gives you access to vetted experts in hours, with AI answering 80% of the questions up front, at a fraction of what a lawyer would charge.
Which of the 10 data centres did the technical DD actually cover, and what condition or defect issues did it flag?
The technical DD covered 3 of the 10 sites1, all in good condition, with backup power and no major outages. The other 7 were never reviewed1, so anything wrong with them isn't disclosed to us.
For the 7 sites with no review, what condition would you expect assets this age and build to be in, and is that a material risk for us?
Sites this age should be in good shape. Most of the equipment lasts 15-30 years2. The exception is the backup batteries3 (3 to 5 years) and the top cause of outages. At this age, condition is likely down to how well maintained they are.
Every complex risk surfaces questions only experts can answer. Lawyers typically answer these, but should they?
To get comfortable with a risk expert knowledge is often required. The current options are relying on client-side diligence, lawyers or vague AI claims. None of these is efficient.
Limited time
Once the underwriting window opens, you've often got a matter of days to get key questions answered from a wide variety of experts.
Lost in translation
You're reading the broker submission and supporting diligence, or using external lawyers. They're not the operator, the engineer, or the regulator who actually knows the answer.
Expensive
Relying on law firms for expert guidance doesn't always add up in the age of AI. Carn cuts the bill and the time-to-answer while increasing the quality of response.
From a one-line heads-up to expert answers.
You approve every step, and nothing that identifies the risk leaves your side unless you say so. Here's how a single underwriting submission runs.
Tell us the sector. That's all.
A line is enough: "a London real estate submission", "a Spanish data-centre placement". No names, no numbers, no documents. We start finding the right experts while you're still quoting.
We get the right people ready.
We retain an expert bench covering the areas that arise across complex risks, as well as the sectors you need. We line up reliable experts who confirm they're available for the coming weeks.
You say "live". We confirm the bench.
Once the submission is live, we put a selection of experts on call for the underwriting window, picked to cover different kinds of question. You approve them before we send any questions.
Ask your hardest questions.
Ask Carn the way you'd ask a colleague, in the email or chat the submission already lives in. It writes an answer from the diligence, similar past submissions, and public sources, and tells you what it can't confirm.
The real unknowns go to an expert.
Carn writes the exact question and sends it to the right expert on your approved bench. They reply with a written response or through a call with an AI agent. Request a follow-up if anything is unclear.
Answers you can rely on.
You get the answer, the expert's reasoning, the sources, and a record of what was shared. We keep it, so the next risk in that sector is quicker. Only for you, never shared with other carriers.
It tells you what it knows, and what it doesn't.
No underwriter wants to rely on a guess. Every answer is marked, so you can see exactly where the proof stops.
Backed by a primary source: the diligence you've shared, filings, public records, or a past expert answer. You can check where it came from.
"Change-of-control consent is standard in this sub-sector's enterprise contracts."
DD report · §4.2Worked out from several proven points, and labelled as such, never passed off as certain. You decide whether it's enough to price on.
"Around one in eight enterprise accounts by value carries an assignment restriction."
from 4 sourcesCarn won't guess. It writes the exact question and sends it to the right expert on your bench, with your approval.
"Did this account actually get consents on its top exposures?"
send to expertAI does the legwork, reading the diligence, checking the sources, and getting the question right. The judgment still comes from an expert who's done it before. The AI sits underneath; it isn't the answer.
Carn gives you the experts a risk actually needs.
Most risks need more than one specialist. So the bench has two parts: a core that recurs across submissions, and sector experts mapped to the questions and loss drivers in the risk you are underwriting.
The experts nearly every risk needs
Most submissions already have legal, financial (QoE) and tax diligence. Carn adds the independent operator and second opinion alongside them.
Sector experts, brought in when you need them
Mapped to the questions and loss drivers in the risk you are underwriting, and sourced against the sectors that are actually trading: energy & infrastructure, renewables, data centres, fiber, healthcare & pharma.
Tech, software & AI
Data centres, fiber & digital infra
Energy, infrastructure & renewables
Healthcare, pharma & life sciences
Financial services, fintech & insurance
Industrials, manufacturing & logistics
Real estate, construction & built environment
Consumer, retail, food & leisure
Media, communications & telecom
Trade, sanctions & defense
Business services
And other fields
One clear specialism
Each expert covers one specific area. No general advisors or strategy consultants. A narrow specialist who can answer in 15–30 minutes beats a generalist.
Operators, regulators, partners
Retired and semi-retired operators, former regulators, and ex-Big-4 transaction partners - people who've made the call before, not researchers.
Checked before you see them
Work history, credentials, relevant transaction experience and references, all checked before we put anyone in front of you.
Conflict-cleared
Checked against the insured, the parties, the advisers and direct competitors before they go near your risk.
Answer at sector level
Able to give a useful view from the sector and the question alone, without needing details about the insured.
Quick, and checked
Held to a response time, and reviewed by us before the answer reaches you. Speed is the point.
Built for the way you handle confidential risks.
Nothing that identifies the risk leaves your side unless you say so.
Sector-level by default
We work from the sector, the area, the country, and the question. No insured name, parties, numbers, or documents, unless you choose to share more.
Your paperwork first
If a question needs account-specific detail, the expert signs your NDA, NRL, or HHL, or your agreed equivalent, before anything confidential is shared.
You approve everything
The expert, the question, and anything shared beyond sector level, you approve it all before we contact anyone.
Conflict checks
Every expert is checked against the insured, the parties, the advisers, and direct competitors first.
A record of what was shared
Every step is logged: what was shared, with whom, when, and under which paperwork. An audit trail you can hand to compliance.
Experts stay in control
We may use expert answers to improve the system, but never confidential, private, restricted, or material non-public information.
Next generation underwriter intelligence
| Lawyers | Expert networks · GLG / Third Bridge | Carn | |
|---|---|---|---|
| What it's for | Legal drafting and opinions | Expert calls on any topic | Sector answers during the underwriting window |
| Speed | Days, billed by the hour | Book a call, then wait | Same day. The experts are lined up before the submission is live |
| Cost | Expensive retainer + hourly rate | Subscription or per-call | Typically 50-70% cheaper than the alternatives |
| Confidentiality | Full, but slow | Covered but not tailored to you | Sector-level by default; your paperwork when needed |
| If the answer's missing | Bills more time | Book another call | Tells you, then finds it |
| What you keep | A memo | A transcript | The expert responses, and an AI trained on them, so you have the answers next time |
Try it on a live submission.
At quote stage, tell us the sector and we'll line up the experts. When the submission is live and the hard questions come up, you get expert answers in time to use them. Or start with an account you reviewed last quarter. See the work for yourself.