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Commercial Lines

ZestyAI provides accurate property characteristics and climate vulnerability scores for every property to enable better underwriting, rating, and renewal decisions. 

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Climate and property risk insights for every property.

Improve underwriting speed, accuracy, and customer experience.

High-Accuracy Commercial Property Insights

Risk & Value Insights

Pre-fill & Inspection

Improve efficiency by isolating the fraction of properties that need inspection and enabling inspectors with AI-based data.

Underwriting

Carriers use ZestyAI’s API-based platform to automatically analyze every property at the time of quote to take out the guesswork from underwriting.

Rating

A granular assessment of climate and property risk allows insurers to obtain premiums that are commensurate with risk.

Claims

Improve triage, dispatch, and cycle time with accurate property insights available at the beginning of the process. Recent aerial imagery is also available from prior to the date of a claim.

Regulatory Expertise

The Secret to Faster Filing

Regulatory Expertise

Streamlined regulatory support documentation and a world-class customer success team help our partners adeptly navigate the regulatory process in each state. 

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Climate Risk Models

Underwriting and Rating Climate Risk

When it comes to climate-related losses, the last decade was worst on record. ZestyAI‘s next-generation predictive risk models help carriers avoid losses while increasing transparency with their customers about these growing threats.

Wildfire

Trained using artificial intelligence (AI) on the world's largest wildfire loss database, Z-FIRE™ offers individualized wildfire risk scores for each property based on its unique characteristics.

Explore Wildfire

Hail

Z-HAIL™ is the first hail risk model to give insurers insights into a roof’s susceptibility to hail claims and the potential severity of those claims.

Explore Hail

Wind

ZestyAI's Z-WIND™ risk model scores each property for frequency & severity of wind claims.

Explore Wind

Flood

Z-FLOOD™ is a predictive flood risk model that takes property characteristics, such as First Floor Elevation (FFE), into account to accurately assess flood risk for every building.

Explore Flood

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