Rating
Smarter Rating, Built for Actuaries
AI-powered property insights and competitive rate intelligence give actuaries the precision to design, validate, and defend modern rating plans.
62X
Segmentation Power
Granularity vs. traditional territory-level models
2% - 7%
Loss Ratio Improvement
Proven results from risk-validated models
70+
Regulatory Appprovals
Approved models, factors, and expert regulatory support nationwide.
99.7%
U.S. Property Coverage
Comprehensive data set for rating frameworks and filings
Traditional rating falls short
Outdated data and territory-level segmentation fail to capture real property variation, leading to mispriced risk and regulatory scrutiny.
AI-driven precision for actuaries
ZestyAI provides property-specific risk factors, real-time model outputs, and transparent documentation to power credible, defensible rating plans.
APIs deliver continuously refreshed risk assessments—using the latest imagery and data so pricing stays current, not static.
How We Help Actuaries in Rating
Actuaries need more than data. They need clarity, credibility, and control. ZestyAI delivers all three
Verified Risk Inputs
Roof age, wildfire risk, water damage potential, and more—backed by permits, imagery, and climate science. Every variable is independently validated and regulator-reviewed.
Property-Level Segmentation
Move beyond coarse territories. ZestyAI enables fine-grained segmentation within territories for each peril—creating statistically credible and homogeneous groups for rating and loss cost assignment.
Transparent, Defensible Models
Loss-validated models built with gradient-boosted machines and interaction effects. Actuarial documentation, ASOP-compliant exhibits, and independent reviews make every model ready for regulatory scrutiny.
Regulatory & Filing Support
Hands-on partnership from framework design through DOI submission. ZestyAI provides portfolio concentration analytics, rate impact studies, and exhibits regulators recognize and trust.
Market & Regulatory Intelligence
Powered by ZORRO Discover. Track competitor rate filings, spot early loss trends, and benchmark rating factors and models across states, all in real time.
“Z-STORM gives us a more nuanced understanding of storm vulnerability, helping us recognize differences in risk that traditional models overlook, enhancing our team’s confidence in pricing decisions, and supporting our continued expansion across the U.S.”
Luke Wolmer
Chief Actuary, DUAL North America Inc.
ZORRO Discover
Intelligence that keeps actuaries ahead
Actuaries need more than risk scores. They need to understand how competitors justify their rate needs, what regulators are approving, and where market loss trends are headed. ZORRO Discover brings that intelligence into a single agentic AI platform.
Regulatory Precedent: Review competitor model documentation and filings to strengthen your own actuarial justification.
Rate Indication Benchmarking: See how peers justify rate increases, and how regulators respond.
Segmentation Insights: Understand how carriers are adjusting by customer segment, peril, or property characteristics.
Built for actuarial rigor
ZestyAI models and data aren’t black boxes. They’re designed to slot directly into actuarial frameworks, with the documentation, transparency, and validation regulators require.
Advanced Modeling Techniques
Gradient-boosted machines capture causal relationships between property features and losses, not just correlations—producing models that are statistically significant, credible, and regulator-ready.
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Rich Risk Segmentation
AI-driven variables produce stable, homogeneous risk groups with AALs tied directly to every score—supporting accurate pricing, cost alignment, and strong actuarial justification.
Loss-Validated, Objective Variables
Every feature is trained and tested against actual claims, ensuring it is objective, verifiable, inexpensive to administer, and reflects true drivers of loss—not proxy signals.
Regulatory-Grade Support
Model memoranda, support memos, and filing exhibits that accelerate approval and reduce pushback.
“Partnering with ZestyAI equips us with data-driven insights needed to price risk accurately, reward mitigation, and sustain our role as a long-term solution in California.”
Todd Brickel
Senior Vice President, Chief Risk and Product Officer, California Casualty
Build ratings you can trust
ZestyAI equips actuaries with verified data, transparent models, and regulatory-ready support to create fair, accurate, and defensible rating plans.
See Renewal Risk Before It Becomes Loss
ZestyAI turns renewal into a competitive advantage—helping carriers detect change early, protect retention, and reduce loss ratios with AI-powered insight. Book a demo today.
