Regulatory Zest

Expanding Regulatory & Government Affairs

ZestyAI's Regulatory team has formally expanded into Regulatory & Government Affairs, reflecting a broader and more strategic role.

These are the four key areas:

1. Product Approval & Enablement

‍End-to-end filing strategy support, leveraging ZestyAI's Rate Service Organization (RSO) licenses to streamline approvals and reduce time to market.

2. Regulatory Policy & Standards

Monitoring and interpreting emerging state and NAIC requirements, and translating them into actionable guidance for product development and filings.

3. Government & External Affairs

Building trusted relationships with regulators and policymakers to drive alignment on AI-driven risk models.

4. Technical Leadership & Education‍

Delivering transparent, technically rigorous explanations of ZestyAI models to support regulatory review and build industry understanding.

This expanded scope enables ZestyAI to serve not just as a model provider, but as a strategic partner in navigating an increasingly complex regulatory environment.

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ZestyAI enables end-to-end compliance through a unified platform:

• Mitigation Integration — Z-FIRE incorporates defensible space, structure characteristics, vegetation, wildfire history, and fuel exposure directly into risk scoring.
• Consumer Transparency & Disclosures — Scores, ranges, relative position, key drivers, and mitigation impacts are delivered via API and Z-VIEW for clear, plain-language communication.
• Appeals & Governance — Z-VIEW provides a structured appeals workflow with audit trails, data correction, and regulator-ready documentation aligned with 10/30-day requirements.
• Filing & Model Transparency — Full support for filing documentation, including model methodology, rate impact analysis, and underwriting integration.‍
• Ongoing Policyholder Engagement — Quarterly imagery refresh and scenario planning ensure mitigation actions are continuously reflected in risk assessments.

National insurance carriers have long relied on sophisticated models to drive underwriting accuracy and profitability.

But even the most advanced systems can benefit from fresher, more granular, and unique data inputs.

That’s where ZestyAI comes in. With 97%+ U.S. property coverage and exclusive data points—like roof condition and building permits—ZestyAI provides national carriers with the data needed to supercharge their existing models and achieve unparalleled accuracy in risk assessment.

Every insurance model thrives or falters based on the quality of its inputs. Using computer vision and AI-powered insights, ZestyAI captures property-specific features with unmatched precision and is updated multiple times annually. This allows carriers to access insights they’ve never had before, including:

• Roof Condition and Complexity: ZestyAI’s 3D analysis evaluates every facet, penetration, and angle of a roof, providing a complete view that powers complex rating models.
• Parcel-Level Features: Detailed property-level data, such as driveway condition, building permits, lot debris, and overhanging vegetation, reveal nuanced risks for underwriting.
  Climate, Geography, and Infrastructure Variables: Comprehensive data encompassing topography, slope, climate factors, and critical infrastructure.

Why National Carriers Choose ZestyAI as a Data Partner

Adopting an off-the-shelf solution isn’t always the right fit for national carriers with robust internal modeling teams. Instead, these insurers benefit from ZestyAI’s ability to integrate powerful datasets into their existing infrastructure seamlessly. Key advantages include:

• Data Uniqueness: Proprietary insights like property updates and nuanced parcel-level conditions unavailable from public or conventional sources.
• Broad and Deep Coverage: 97%+ U.S. property coverage ensures nationwide relevance.
• Change Detection and Data Recency: AI-driven updates keep your models ahead of evolving risks with near-real-time insights.

By integrating ZestyAI’s data, carriers can complement their models and ensure their outputs are informed by the latest, most comprehensive property-level information.

Driving Precision with a Science-Driven Approach 

At ZestyAI, science and a hypothesis-driven approach form the foundation of our offerings. Hundreds of variables are tested for each model, carefully selected and validated to ensure they meet both logical and causal standards—not just correlations. This rigorous methodology ensures compliance with regulatory scrutiny and real-world risk prediction.

Immediate Benefits, Long-Term Value

• Enhanced Model Accuracy: ZestyAI’s data serves as a diagnostic lens, revealing what’s missing in your existing frameworks and sharpening predictions.
• Operational Efficiency: Recent upgrades to ZestyAI’s API infrastructure, including a 50% reduction in response times and a 10x increase in data processing power, ensure carriers can seamlessly integrate real-time insights into their workflows. These enhancements enable faster decision-making and improved scalability, helping insurers stay ahead in an evolving risk landscape.
• Regulatory Readiness: Transparent, explainable data sources ensure compliance with even the most stringent underwriting regulations.

Filing Strategy: Scaling Adoption of Risk Models

ZestyAI continues to advance a proactive, scalable filing strategy focused on accelerating adoption of all of our models.

Across all programs, ZestyAI’s approach emphasizes:

• Clear documentation of model methodology and validation
• Alignment with state-specific regulatory requirements
• Reusable filing artifacts to improve speed and consistency
• Early and direct engagement with regulators to streamline review

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