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For insurers evaluating new data partners, transparency isn’t just about the model. It’s about the process. And at ZestyAI, that process is shaped by people who’ve actually operated inside carrier environments. Former actuaries, underwriters, product leaders, and regulatory specialists built our platform with a deep understanding of how difficult it is to integrate new technology inside a regulated ecosystem.

From day one, carriers get immediate value: full portfolio scoring, access to our web application, and the ability to validate data, explore properties, and begin applying insights right away.

Working with ZestyAI means:

• Real carrier experience behind the platform, not outsider assumptions.
• Direct access to industry experts across actuarial, underwriting, and regulatory domains.
• Instant time-to-value, with portfolio scoring and platform access available at kickoff.
• A focus on ROI, with every step designed to deliver measurable impact quickly.

Here’s what that looks like in practice — from kickoff to full production.

ZestyAI’s Onboarding Process: From Kickoff to Deployment

ZestyAI provides a structured onboarding experience aligned with your goals, whether focused on underwriting, rating, or operational efficiency. After the kickoff meeting, we work through a clear sequence designed to move fast while staying aligned with internal governance and IT workflows:

• Define objectives and use cases
• Align on data needs and file structure
• Establish integration protocols (API or batch)
• Support internal testing and model validation
• Provide regulatory guidance for rating, underwriting, and filings (state-specific documentation, actuarial support)

Our approach emphasizes speed-to-value while ensuring the process fits cleanly within your organization’s governance, compliance, and operational requirements. We don’t just integrate a model; we drive measurable outcomes such as improved segmentation, faster quoting, and operational efficiency.

ZestyAI’s models are designed to support a wide range of underwriting and rating workflows. Whether carriers use raw scores, tier bands, or mitigation indicators, the outputs align naturally with existing processes and program designs.

Integration with Guidewire, Duck Creek, Cogitate, and Other Platforms

ZestyAI is platform-agnostic and supports integration with:

• Guidewire
• Duck Creek
• Cogitate
• Custom core systems and middleware

We provide configuration support via secure APIs, batch ingestion, or prefill mapping. Our scores can be embedded into workflows across underwriting, inspection triage, mitigation eligibility, and renewals.

Data Requirements for Pilots or Backtests

To initiate a pilot or backtest, we typically request a dataset that includes:

• Property address or coordinates
• Policy effective and expiration dates
• Claims history (dates, causes, amounts)

Additional fields—such as construction type, roof material, or occupancy—can enhance model matching or segmentation. We’ll review your available data and finalize the format before ingestion.

Batch Scoring, API Integration, and Z-VIEW Access

ZestyAI models can be accessed via:

• Batch processing – ideal for backtests, portfolio scoring, and operational refreshes
• Real-time APIs – for use at quote, renewal, or mid-term policy changes
• Z-VIEW web application – a no-integration option for viewing property scores, risk drivers, and imagery

We support REST API and SFTP-based workflows, depending on your system architecture and compliance requirements. Most carriers start with batch mode and transition to real-time as production expands.

Need to evaluate before integration? ZestyAI’s portfolio scoring option enables carriers to assess entire books of business—no IT lift required.

Technical and Regulatory Support for a Custom Onboarding Experience

We offer hands-on support throughout the onboarding process, including:

• Data mapping and API testing
• Documentation walkthroughs and QA
• Score interpretation and regulatory consulting
• Workflow and dashboard design

We also provide custom analytics—such as lift charts or correlation studies—to support actuarial, underwriting, and product stakeholders across your organization.

For carriers preparing for rating or filing workflows, we also provide full regulatory support, including:

• Filing exhibits and actuarial documentation
• Dislocation and rate-impact analyses
• ASOP-aligned model memos and methodology summaries
• State-specific guidance and responses to DOI questions

Our goal is to make onboarding smooth for every stakeholder—actuarial, underwriting, product, compliance, and regulatory.

Typical Timeline to Run a Pilot or Backtest

Most pilots or backtests are completed within 4 weeks, depending on data quality and scope. After receiving your dataset, we:

• Score policies using the relevant ZestyAI models
• Analyze performance across segments (e.g., lift by decile)
• Present findings and operational recommendations
• Compare portfolio to aggregated state baselines

More advanced use cases—like rating segmentation or mitigation tracking—may require slightly more time to align with stakeholders. Regardless of scope, we aim to deliver clear, actionable insights quickly.

ZestyAI today announced that the Departments of Insurance in West Virginia, Georgia, South Dakota, Montana, Oregon, and Utah have reviewed and accepted its Severe Convective Storm (SCS) risk models, including Z-HAIL™, Z-WIND™, and Z-STORM™, for use in carrier rate and rule filings.

With these additions, ZestyAI’s SCS Suite is now ready for use in 29 states, supporting rating, underwriting, and reinsurance decisions across the most storm-exposed regions in the country.

Meeting the Growing Need for Transparent Storm Risk Assessment

As severe convective storm losses exceed $40 billion for the third consecutive year, regulators and carriers are accelerating the shift toward transparent, property-level models that clearly show what drives hail and wind losses.

ZestyAI’s SCS Suite is trained and validated on verified carrier claims data and delivers clear explanations of the factors behind each property’s risk score. By analyzing how local climatology interacts with individual property characteristics, the platform predicts the likelihood and severity of hail and wind claims with far greater precision than traditional territory or ZIP code–based methods.

Property-Level Storm Risk Models

• Z-HAIL: Quantifies hail risk using property-level drivers—roof geometry, accumulated damage, and local climatology—to pinpoint the buildings at greatest likelihood of hail damage, even within the same area.
• Z-WIND: Analyzes wind risk using AI-driven 3D analysis of roof condition, complexity, and potential failure points —together with localized wind climatology—to determine which buildings are most susceptible to wind damage.
• Z-STORM: Predicts the frequency and severity of storm damage claims, including hail and wind, examining the interaction between climatology and the unique characteristics of every structure and roof.

Bryan Rehor, Director of Regulatory Affairs at ZestyAI, said:

“Carriers and regulators are aligned around the need for transparent, property-specific evaluation of hail and wind vulnerability. “These filings reinforce the shift toward models that clearly explain the drivers of storm loss and support compliant, defensible decisions.”

New Capability: Mitigation-Aware Scoring

ZestyAI recently introduced Mitigation-Aware Scoring, allowing insurers to update model inputs and risk scores in real time based on verified changes to property attributes, such as:

• upgrading or replacing roof materials
• remediating visible roof or property condition issues
• correcting inaccurate data (e.g., misclassified roof type)
• modeling the impact of planned upgrades

Mitigation-Aware Scoring extends capabilities already widely used in Z-FIRE™ and ensures a consistent, carrier-controlled approach to reflecting verified improvements across perils. The functionality strengthens rating accuracy, supports fairer underwriting decisions, and aligns with evolving regulatory expectations around transparency and mitigation recognition.

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We’re proud to share that ZestyAI has been named to Sønr’s 2025 Beyond Boundaries Scale50, recognizing the top 50 established insurtechs driving measurable impact and transformation across the global insurance industry.

Produced by Sønr, a leading market intelligence firm tracking more than four million companies worldwide, the Beyond Boundaries 2025 report identifies the innovators redefining insurance through AI, data, and collaboration.

This year’s analysis underscores a clear shift in the market: the age of experimentation has given way to execution and scale—where efficiency, resilience, and real-world outcomes define success.

At ZestyAI, we’re proud to be part of that evolution. Our Decision Intelligence Platform brings together property-level data, predictive AI models, and Agentic AI automation to help insurers see, price, and manage risk with precision and confidence.

Trusted by carriers and regulators across the U.S., ZestyAI’s solutions deliver measurable improvements across underwriting, rating, reinsurance, and regulatory workflows—helping insurers make faster and more data-driven decisions.

Matt Connolly, Founder and CEO of Sønr, said:

The insurance industry has long talked about change. And now, we’re seeing it happen. After years of incremental steps, the market is finally embracing the opportunities technology brings - and the impact is tangible.

Read the full report: Beyond Boundaries 2025

DUAL North America Inc.’s (“DUAL”) personal property division has selected ZestyAI’s Z-STORM™ model to enhance storm-risk underwriting and pricing as it continues its rapid US expansion.

The partnership equips DUAL with sharper risk differentiation, more accurate underwriting and pricing, and a stronger foundation for sustainable growth in regions increasingly affected by severe convective storms.

By adopting ZestyAI’s severe convective storm model, DUAL will strengthen its ability to identify and price the combined effects of hail and wind with greater precision. This will enable faster, more informed decisions and profitable expansion while maintaining regulatory compliance.

The collaboration reflects DUAL’s continued investment in advanced analytics and technology to support long-term growth.

The specialty program administrator, offering more than 40 insurance products and surpassing $1.3 billion in gross written premium in 2024, continues to broaden its capabilities across commercial, specialty, and personal lines.

Luke Wolmer, Chief Actuary at DUAL, said:

“As we continue to grow across personal property lines, having accurate risk prediction at the property level is crucial."

Z-STORM gives us a more nuanced understanding of storm vulnerability, helping us recognize differences in risk that traditional models overlook. This enhances our team’s confidence in pricing decisions and will support our continued expansion across the U.S.”

Z-STORM is an AI-powered risk model that evaluates the combined effects of hail and wind to predict the frequency and severity of storm-related damage at the property level. By analyzing the interaction between local climatology and the unique characteristics of every structure—including roof condition, material, and surrounding exposure—the model delivers precise, property-specific insights into storm vulnerability.

In September 2025, ZestyAI introduced mitigation-aware scoring to its severe convective storm suite, allowing insurers to dynamically adjust risk scores to reflect verified improvements such as roof replacements, upgraded materials, or corrected property data. This enhancement gives carriers a scalable way to recognize mitigation within pricing and underwriting workflows, advancing transparency and regulatory alignment.

Attila Toth, Founder and CEO of ZestyAI, said:

“DUAL’s adoption of Z-STORM reflects a forward-thinking approach to storm risk management."

"By applying property-level risk analytics and mitigation-aware scoring, DUAL is positioned to underwrite more precisely, grow responsibly, and strengthen community resilience across the regions that are most exposed to extreme weather”.

ZestyAI’s storm models are regulatory reviewed and ready to use across the Great Plains, Midwest, and U.S. South, regions most impacted by severe convective storms, and are actively used by carriers for rating and underwriting.

ZestyAI today announced the expansion of ZORRO Discover™ to all property and casualty insurance lines.

ZORRO Discover analyzes millions of state filings to surface real-time regulatory and market intelligence, giving carriers actionable insights to make faster, more confident decisions. Carriers using the platform have reduced adverse selection, accelerated regulatory approvals by up to 50%, and expanded analytical capacity more than 20-fold—turning what was once a manual, fragmented process into a source of strategic advantage.

The platform now delivers unified visibility across all P&C lines, including Commercial Auto and Property, Personal Auto and Property, Financial and Specialty Lines, Liability and Professional Lines, Workers’ Compensation, and Administrative filings—covering every major filing type across the United States.

Built on ZestyAI’s Agentic AI platform, ZORRO Discover scales decision intelligence across the insurance industry, transforming over a decade of U.S. insurance filings into a single, transparent system of insight. Carriers can instantly benchmark competitors, analyze rating trends, and anticipate regulator feedback and objections in real time, turning regulatory filings from a compliance requirement into a strategic advantage.

Kumar Dhuvur, Chief Product Officer and Co-Founder at ZestyAI, said:

“Every corner of P&C faces the same challenge: too many filings and too little time. Now, whether it’s workers’ comp in Texas or commercial auto in California, teams can simply ask ZORRO and get instant, verified insights in real time.”

By analyzing past objections and outcomes, teams can anticipate regulators’ questions before they arise and move filings forward with precision. Live monitoring of new submissions keeps organizations current on competitor moves and market shifts, turning what was once a fragmented, manual workflow into a real-time decision system that helps teams act quickly and strategically.

With its conversational interface, users can simply ask ZORRO to surface insights that once took hours or days to uncover. Product, actuarial, and regulatory teams can now collaborate from a single, auditable source of truth, replacing manual searches and static spreadsheets with transparent, explainable intelligence that drives faster, smarter action.

ZORRO Discover is available now for all property and casualty insurance lines.

Start your trial.

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