Sub-Second Property Intelligence for Faster Carrier Decisions
ZestyAI has cut response times across its property intelligence APIs to under one second per property. Quoting, inspection targeting, renewal scoring, and portfolio reviews can now access property-level intelligence faster, even at the scale of millions of requests a day from more than half of the top U.S. carriers. That speed matters because the ground has shifted underneath the insurance. Carriers are competing to grow, and shoppers, conditioned by every other digital experience they touch, expect quotes in seconds, not days. When the data layer behind those quotes lags, policies slip to whoever is faster.
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Engineered for the Scale Carriers Demand
Holding sub-second response times at this scale, across billions of data points spanning property, imagery, and risk sources, requires infrastructure purpose-built for speed and reliability.
For our clients, faster response times aren't a nice-to-have; they're necessary to support the workflows their teams rely on every day. And as underwriting becomes more automated, carriers need data products that can keep pace with real-time decisioning.
Sub-second response times are the latest step in a multi-year effort to push the boundaries of what carriers can expect from a property intelligence API. In late 2024, we redesigned our ML inference platform, halving API response times. A year later, we cut latency in half again, bringing the typical call below one second.
A Smoother Customer Journey
Faster responses also improve the experience at the point of decision. When property intelligence returns in under a second, quotes can move forward without making underwriters, agents, or policyholders wait on data behind the scenes.
Policyholders now bring Amazon-shaped expectations to every digital purchase: answers in seconds, not days, with zero tolerance for a spinning loader—and insurance is no exception. When property intelligence returns in under a second, carriers can deliver that experience without the data layer holding them back, and shoppers don’t drift to a competitor mid-quote. Customer experience also drives business performance: McKinsey found that P&C insurers ranking among customer-experience leaders outperformed peers in total shareholder return by 65 percentage points over a five-year period (McKinsey & Company, 2023).
This is the gap ZestyAI closes. Property intelligence that responds instantly helps keep the customer journey moving, giving carriers a faster, smoother path from quote to decision.
Workflow Integration Without the Friction
Sub-second responses also make it far easier to embed property intelligence right where your teams already work: your rating systems, underwriting workbenches, and internal dashboards.
As a property intelligence partner, ZestyAI delivers insights fast enough to support the workflows carriers rely on every day. For technical teams, that means a more reliable foundation to build on. For business users, it means the data is simply there when they need it, with no extra steps.
Faster Batch, Faster Books
Quicker responses also matter at the portfolio level. When each API call returns faster, large jobs like portfolio reviews, renewal runs, and book-level analysis can be completed more efficiently. That helps carriers refresh their view of risk more often and act on it sooner.
What Faster Response Times Mean for Carriers
Faster property intelligence pays off in two compounding ways:
- Higher workflow capacity: With each API call returning in under a second, teams can move from risk evaluation to action sooner and process more work with less delay.
- Higher conversion potential: Decisions that keep pace with the customer reduce the delay between quote and bind.
ZestyAI's recent infrastructure investments help carriers access property intelligence with the speed and scale their workflows require, while keeping the reliability carriers depend on. This combination of speed, scale, and reliability is why leading carriers use ZestyAI to support critical risk decisions.
Want to experience it firsthand? See how ZestyAI's risk models assess property-level risk across the major perils driving insured losses. Contact our team for a tailored demo built around your line of business.
