Blog
Practical insights and data-driven perspectives for property & casualty insurance & risk professionals.
Who Is Accountable for AI Decisions in Insurance? Carriers and Vendors Weigh In.
When an insurer uses an AI model to price, underwrite, or settle a claim, who is accountable for the decision? Four panelists at ITC Vegas 2026 agreed: the carrier is accountable, and the vendor shares responsibility for how the model is explained and governed.
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Build, Buy, or Partner: The Strategic AI Decision Facing Insurers
Build vs. buy is an old question. AI changed the answer. Here is how four insurance leaders draw the line, from a panel at ITC Vegas 2026.
Why Insurance Capacity Is Returning to California—and What It Will Take to Keep It There
California's insurance capacity is coming back. Learn how property-level wildfire risk modeling from ZestyAI is making that recovery durable.
Mitigation-Aware Scoring: When a Property Changes, the Score Can Too
Property risk changes over time, but property data doesn't always keep up. A roof is replaced. Defensible space is cleared. Vegetation is removed. These improvements can materially change risk, yet the data behind a score often lags behind the property itself. That can mean overpricing lower-risk homes and frustrating policyholders who invested in mitigation. Mitigation-Aware Scoring gives carriers a governed, auditable way to update verified property attributes within the ZestyAI platform and recalculate risk when those changes affect the score.
Five ZORRO Discover Updates That Turn Rate Filings Into Market Intelligence
Rate filings are where competitors reveal their strategy. Every day, competitors signal where they are heading: which segments they want, which risks they are retreating from, which states they are prioritizing, and how regulators are responding. That information is public, but it is scattered across filings, PDFs, exhibits, objections, revisions, and supporting documents. Most teams still need to stitch that picture together manually: finding the relevant filings, extracting the data, adding market context, and interpreting what it means for pricing, product, and competitive strategy. The latest ZORRO Discover release adds five capabilities that help remove the biggest bottlenecks in filing research: benchmarking rate activity, researching objections, interpreting filings in market context, monitoring competitor moves, and getting filing data ready for analysis. Together, these updates reflect the pace of innovation behind ZORRO Discover: a platform built to expand how carriers use agentic AI for competitive and regulatory intelligence.
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