Trusted AI That Protects What Matters Most
ZestyAI helps insurers build smarter, more resilient systems using real-world data and trusted AI to align pricing with risk, reduce losses, and safeguard families, businesses, and communities.
Building a More Resilient World Through Smarter Risk
Insurance is more than a policy. It’s the backbone of economic resilience. When homes are rebuilt, when small businesses stay open after disaster, that’s insurance at work.
ZestyAI envisions a world where AI helps carriers anticipate and prevent loss, delivering protection that’s faster, fairer, and more precise.
Precision AI for the Toughest Insurance Decisions
The modern insurance industry faces unprecedented pressure: climate volatility, regulatory complexity, and systems built for a different era. ZestyAI exists to close that gap.
Our Decision Intelligence Platform delivers property-level risk insights and operationalizes them through agentic AI—transforming how carriers underwrite, price, file, and manage capital. We don't replace human expertise; we amplify it, making every decision faster, smarter, and more aligned with the mission of insurance: protecting what matters most.
“Insurance is one of society’s most powerful tools for resilience. Our job is to help carriers harness trusted AI to price risk accurately, reward mitigation, and keep coverage within reach for the people and communities who need it most.”
Attila Toth
Founder & CEO, ZestyAI
“Every model we build is grounded in science and proven in the market. We combine actuarial discipline with AI to bring insurers a transparent, defensible view of risk they can stand behind—with regulators and with their customers.”
Kumar Dhuvur
Co-Founder & Chief Product Officer, ZestyAI
What Drives Us
Our Purpose
We exist to protect people and property through technology.
Scientific Rigor
We validate everything we build with data and outcomes.
10X Mindset
Our goal is clear: deliver 10X ROI. We stay laser-focused on value creation, not vanity metrics.
Uncertainty to Confidence
We clarify property and climate risk, helping customers thrive and compete in an uncertain world.
Partnership
Trusted by carriers, reinsurers, and regulators to drive real-world results.
Innovation with Integrity
We never cut corners. If there’s any doubt, it isn’t right—yet.
Outdated Models Don’t Cut It Anymore
Legacy risk models miss what matters. They rely on coarse averages, outdated assumptions, and incomplete data.
ZestyAI delivers precision, transparency, and operational speed, using artificial intelligence to transform underwriting, rating, and portfolio management.
Trusted by the Industry’s Best
Today, more than half of the top 50 P&C insurers rely on ZestyAI’s platform.
Our models are approved by regulators and proven in the market—driving more accurate pricing, broader access, and stronger communities.
This Is Just the Beginning
We’re taking the next step in decision intelligence by embedding agentic AI into core insurance workflows, turning slow, manual processes into fast, intelligent, automated operations.
An Experienced Team
Meet the Leadership at ZestyAI
Attila Toth
Founder & Chief Executive Officer
Attila Toth spent two decades building high-growth businesses at the intersection of data and climate science. Prior to founding ZestyAI, Attila led Worldwide Sales at C3 AI and grew the Commercial, Industrial, and Government business at SunEdison from an upstart to a $330M business. Early in his career, Attila was a strategy advisor at McKinsey & Co. He holds an MBA from the Kellogg School of Management at Northwestern University.
Kumar Dhuvur
Co-Founder & Chief Product Officer
At Capital One Bank, Kumar led the development of credit risk models on 50+ million customers using non-traditional data from outside the credit bureaus. As part of the Risk Management Practice at McKinsey & Company, he advised the leadership of Fortune 500 companies on data analytics and risk management.
Andrew Merski
Chief Technology Officer
Andrew has more than 15 years of experience engineering complex and mission-critical platforms addressing climate risk, enterprise software, and geospatial infrastructure. He holds Master's degrees from both Hertie School of Governance and Columbia.
Bryan Rehor
Director of Regulatory Affairs
Bryan previously held various Product Management and Pricing roles at Progressive and Travelers, most recently serving as Product Manager for California. With extensive experience in collaborating with regulators, Bryan ensures compliance and advances the use of AI in the insurance sector.
Frederick Dube Fortier
VP of Product Management
Frederick brings a deep background in analytics, data science, and model-driven product development. Since joining ZestyAI in 2019, he has overseen the creation of advanced language-model, computer-vision, and climate-risk products that power underwriting and regulatory innovation for leading insurers. Prior to ZestyAI, he led analytics and digital transformation programs at McKinsey & Company and began his career at Capital One developing sub-prime underwriting risk models. Frederick earned his Bachelor of Commerce in Finance from McGill University.
John Ross
Senior VP of Client Development
John is a growth-focused P&C insurance executive with nearly 20 years of experience building and scaling high-performing commercial, sales, and client engagement teams. At LexisNexis Risk Solutions, he led the Auto and Home business portfolio, consistently exceeding revenue targets, integrating acquisitions, negotiating multi-million-dollar contracts, and earning multiple Circle of Excellence honors. Earlier roles at Giant Oak and State Auto deepened his expertise in analytics-driven risk insights, underwriting strategy, and carrier partnerships. John holds a master’s degree in Predictive Analytics from Northwestern University and an MBA from Cleveland State University.
Kim Krenzler
Head of People & Culture
Kim brings more than 20 years of People & Culture leadership across high-growth technology companies. She has built award-winning cultures and scaled global teams, including driving 500% growth and international expansion at GeoComply, a company now valued at over $1B. Kim is passionate about creating scalable environments where A-players can grow, thrive, and build the best chapters of their careers.
Leslie Molina
Director of Finance & Administration
Leslie is a proven finance leader with over 20 years of documented success in corporate financial oversight. Her attention to detail and flexible skills helped guide ServInt Corporation, a global web hosting company, through large-scale growth and its eventual acquisition where she continued to provide day-to-day executive leadership.
Ross Martin
VP of Risk Analytics
Product, Sales Engineering, and innovation leader with a strong background in both technology and the insurance industry. Over the past 15 years Ross has worked as a product manager, department leader and sales strategist over top national accounts. His passion for technology, innovation, and customer focused problem solving has been the force behind the new features, products, services, and deals he's architected throughout his career.
Sam Fetchero
VP of Marketing
Sam brings 15+ years of marketing and product leadership experience spanning Microsoft, Apptio, and several high-growth technology companies. As ZestyAI’s Head of Marketing, he leads the company’s brand, product marketing, communications, and go-to-market efforts. Sam began his career at Capital One developing credit policy models and enterprise loyalty strategies. He earned his finance and accounting degree from the Wharton School of the University of Pennsylvania.
Want to Tackle the Toughest Problems in Insurance?
Join a team using AI to solve real-world challenges, from climate-driven losses to risk selection and regulatory approval. At ZestyAI, you’ll be building the future of insurance with people who crave impact, ownership, and speed.
See How Trusted AI Protects What Matters
ZestyAI insurers operate with greater accuracy and confidence—aligning pricing with risk, reducing losses, and protecting families and communities.