ZORRO DISCOVERTM
Agentic AI
for Competitive Intelligence in Insurance
ZORRO Discover™ turns regulatory filings into cited, real-time insights so your team can make pricing, product, and filing decisions faster with confidence.
Turn Regulatory Complexity into a Competitive Advantage
ZORRO Discover™ helps insurers spot competitor moves early, anticipate regulatory objections, and identify market shifts before they affect their book. The result: faster approvals, less adverse selection, and up to 20x more analytical capacity.
2M+ Filings in Market Context
Analyze 10+ years of filings alongside NAIC market share, SEC financials, and 50+ curated web sources to understand what changed and why it matters.
Every State, Every P&C Line
Search rate, rule, and form filings across all P&C lines and states, so your team can research any state or line in one place.
Every Insight, Cited
ZORRO Discover™ retrieves only from the sources you select, cites every answer to the exact source page, and flags insufficient evidence, so your team can verify and defend every finding.
Full Market Visibility
Run market-wide Deep Research in minutes. Track rate changes and premium impact, and how objections affect approval times in interactive dashboards, so your team can decide what to file, where, and when.
1M+ Objections, Searched in Seconds
See how regulators challenged filings like yours and how carriers answered, so your team can anticipate objections with precedent.
Private by Design
Keep your research confidential with zero training on your queries. ZORRO Discover is built by the team behind 500+ regulatory approvals.
"Understanding what is changing in the market—and how regulators are responding—is essential to making sound product decisions. ZORRO Discover gives our teams that context in a fraction of the time, allowing them to focus less on gathering information and more on applying it."
Lynn Malloney
Vice President, Actuarial State and Product Management, Amica Insurance
Ask Anything About the Market
Ask questions in natural language across every filing in the market. Use Filing Finder to narrow down to the filings that matter, then compare up to 10 side by side in ZORRO Grid or move that set into Focus Mode for targeted analysis.
Go Deep on Any Topic
Turn 10–20 hours of manual research into a cited report in minutes, with Deep Research across filings, market share, and financial data.
Benchmark Against Competitors
Use Rate Intelligence to analyze approved rate changes by carrier, state, and line, and compare pricing against competitors. Use Filing Intelligence to investigate approval timelines and objection rates by state and carrier, so your team can see where filings stall.
Answer Objections with Precedent
Upload an objection letter and Objection Research breaks it into individual objections, then builds a precedent report for the ones you select, showing how other carriers responded and which responses regulators accepted.
How ZORRO Discover Works
ZORRO Discover™ is an Agentic AI platform for regulatory and competitive intelligence, built by the team behind 500+ regulatory approvals.
It analyzes more than 2 million filings across nearly 240 million pages, adds market context, and checks every answer against the evidence before you see it.
Every filing in the country, searchable within 24 hours of going public.
Key Details
Rate, rule, and form content across approved, pending, and withdrawn filings, with rate tables kept intact.
NAIC market share and SEC financials matched to every carrier.
50+ curated web sources, plus your own documents.
New filings searchable within 24 hours.
Result: the complete record, ready to research.
ZORRO Discover™ plans the research, runs it across every source in parallel, and turns scattered evidence into coherent, cited insights.
Key Details
Breaks each question into steps and runs them in parallel.
Searches by meaning and by exact keyword across full filings.
Refines until the answer is complete.
Tailors results to your team's focus areas and personalization preferences.
Result: multi-source research, no manual legwork.
Every answer is checked against the evidence before it reaches you.
Key Details
Answers come only from the sources retrieved, never from general AI knowledge.
Every claim is cited to the exact page, one click from the source text.
When the evidence falls short, it says so instead of guessing.
Result: cited, defensible findings; never hallucinated or approximated.
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"Our actuarial team needs to understand not only what's changing in the market, but how regulators are responding to those changes. ZORRO Discover gives us a much faster way to find that information and put it to work. Spending less time compiling filings gives us more time to do what we are here to do: build better products for the farm families and rural communities we serve."
Steven Reslie
Principal Actuary, Georgia Farm Bureau Mutual Insurance Company
"The ZestyAI platform has become core to how we underwrite and manage risk. ZORRO Discover was the natural next step, giving us structured visibility into how the market is moving and helping us strengthen our products and move through filing cycles more efficiently."
Rick Smith
Underwriting Director, Standard Casualty
“Insurance filings contain critical information about how risk is being priced and why—but extracting that information across dozens of companies and multiple states has traditionally required an enormous investment of time and effort."
Alfonso Pating
Global Financial Regulations Specialist, NRDC
Bring Us Your Toughest Market Question
See how you stack up against competitors, decode their pricing and filing strategies, and run a market-wide report in minutes, with cited evidence behind every answer. Book a demo today.
Proven Results
The product described on this website may be covered by one or more U.S. patents. For additional information, visit zesty.ai/patents.