Why ZestyAI
Trained on Real Losses. Fueled by Proprietary Data.
ZestyAI delivers transparent, regulator-approved AI models that help insurers underwrite smarter, price more accurately, and improve portfolio performance.
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New Loss Patterns Are Breaking the Insurance Model
Once considered secondary, perils like hail, wind, wildfire, and water now account for the majority of property losses. Their growing frequency and severity are challenging long-standing actuarial assumptions.
As a result, insurers are experiencing elevated combined ratios, constrained growth, and increased scrutiny from regulators, reinsurers, and investors.
Insurance Needs a New Playbook. This Is It.
ZestyAI replaces outdated assumptions with property-specific intelligence. Our models are trained on real losses and powered by proprietary data extracted through computer vision and generative AI.
The result? Transparent, peril-specific insights that drive confident underwriting, pricing, and growth.
The Carriers Who Adapt Will Win the Market
The best carriers aren’t waiting for the market to stabilize. They’re outperforming it. With ZestyAI, they reduce combined ratios, grow premiums, and make faster, more accurate decisions across the portfolio.
Smarter Risk Decisions Start Here
ZestyAI transforms underwriting and pricing with proprietary data, explainable AI,
and regulator-trusted models, delivering faster insights, better segmentation, and proven ROI.
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“As you work with ZestyAI, you don't feel like you're partnering with any other technology company or solution provider that all other carriers adopt.
They truly are a thought partner."
Chris Rhodes
Chief Insurance Officer, NEXT Insurance
“Our commitment to delivering excellence in underwriting has led us to ZestyAI.
This collaboration enables us to leverage cutting-edge technology and data-driven insights to accelerate our underwriting, reduce losses, and significantly improve our producer partners' service.”
Andy Carvill
CEO, Avoca Risk Underwriting Solutions
“ZestyAI’s models will help us bring greater fairness and resilience to the market while equipping homeowners with practical mitigation guidance."
Kelly Campbell
Executive Director. Colorado FAIR Plan
“A modern solution like Z-FIRE allows us to leverage the power of AI to generate a clear picture of not only how likely it is that a home might be exposed to a wildfire, but also the probability of its damage."
B.J. Pitts
Senior Assistant Vice President, Amica Mutual Insurance
“ZestyAI’s AI-powered risk models offer the kind of granular, verified intelligence that strengthens risk evaluation across a broad spectrum of perils, from climate-related threats to non-weather water."
Brian Voorhees
Chief Operating Officer, Applied Home National Underwriters
“In leveraging ZestyAI’s advanced risk models, we're able to further support homeowners in securing comprehensive coverage while strengthening our underwriting capabilities as we continue to grow.”
Ori Hanani
Senior Vice President, Insurance, Lemonade
“We chose ZestyAI because their team knows the industry inside out, and no one else provides the regulatory support that they do.
The platform’s transparency and functionality allow us to actively partner with our policyholders on reducing risk."
Rick Smith
Underwriting Manager, Standard Casualty Company
Proprietary Data Advantage
Our advantage starts with data no one else has: nationwide imagery, deep unstructured sources, and proprietary loss experience, all transformed into high-resolution property insights with AI.
Proven with Carrier Loss Experience
We train and validate every model on proprietary loss data contributed by carrier partners and enriched with computed loss experience—grounding every variable in real claims outcomes.
Derived from Imagery at Scale
We partner with leading aerial providers to maximize coverage, then apply computer vision to extract parcel and structure-level data.
Built from Unstructured Sources
We apply generative and agentic AI to extract usable insights from permits, regulatory filings, and other sources.
Insurance-Grade AI Models
ZestyAI models are trained on real insurance losses, not simulations, and built with the transparency, rigor, and explainability regulators and actuaries demand.
Predictive, Not Simulated
No artificial scenarios. Just real loss outcomes powering smarter, property-specific predictions.
Peril-Specific GBM Models
Each peril is modeled independently with machine learning tuned to its unique loss drivers.
Built for Transparency
Every model is explainable, auditable, and regulator-ready, giving actuaries and filings teams full confidence in every score.
Trusted by Regulators
ZestyAI has a proven track record of regulatory success, with 70+ approvals across perils and states. Our models meet the highest standards of fairness, interpretability, and actuarial rigor.
70+ Regulatory Approvals
Approved for use across states and perils, including wildfire, hail, wind, storm, and roof condition.
Recognized Rate Service Organization
As a registered RSO, ZestyAI enables faster filings and smoother regulatory review.
Built by Industry Insiders
Our team includes former product managers, actuaries, and carrier veterans who understand what insurers and regulators need.
Built for Immediate Impact
ZestyAI delivers ROI fast, with flexible deployment options to match your team’s workflow. Whether it’s batch, web app, or API, we meet you where you are. No heavy IT lift required.
Flexible Deployment Options
Access insights through our web app, batch delivery, existing platforms, or API, tailored to your tech and workflow.
Designed for ROI
Every deployment is built around carrier goals, from loss ratio gains to new premium growth.
Insurance Experts, Not Outsiders
Our team of industry veterans has walked in your shoes; former underwriters, actuaries, and product leaders who know what success looks like.
Chosen by the Industry’s Best
Hear how top insurers use ZestyAI to sharpen pricing, streamline operations, and drive profitable growth with confidence.
AI Insurance Analytics for Smarter Decisions
ZestyAI delivers property risk insights that help insurers optimize underwriting, rating, renewals, and reinsurance. With AI-driven analytics, carriers gain accuracy, efficiency, and portfolio resilience across the entire insurance value chain.
Underwriting
Automate underwriting with AI-powered risk models and property intelligence, ensuring consistent, fast, and reliable decisions for every policy.
Rating
Leverage advanced insurance analytics to segment risk and set premiums with precision—aligning price to true exposure while supporting fairness and transparency.
Renewals
Use real-time property intelligence to detect changes, reduce surprises, and keep renewals aligned with current risk conditions.
Concentration Risk
Strengthen portfolio management with analytics that identify exposure hotspots, enabling proactive risk diversification and greater resilience.
Competitive & Regulatory Intelligence
Tap into AI-driven analysis of regulatory filings and competitor strategies to accelerate compliance, monitor trends, and shape winning products.
Purpose-Built Products. Proven Results.
ZestyAI’s platform powers a suite of AI-driven solutions, built to solve the industry’s biggest challenges in risk modeling, property intelligence, and competitive insight.
Peril-Specific Models
ZestyAI’s AI-powered risk models deliver unparalleled accuracy across wildfire, hail, water, and more, helping carriers price and manage risk with confidence.
Property Insights
Understand parcel and structure-level risk with data extracted from imagery, permits, inspections, and more, delivered with unmatched breadth and clarity.
Competitive Intelligence
Instantly analyze millions of filings with agentic AI, cutting research time by 95% and eliminating the need for manual review or outside consultants.
Protecting What Matters Most
ZestyAI helps insurers protect families, businesses, and communities by bringing precision, speed, and fairness to every risk decision. Together, we’re strengthening the resilience of our industry and the people it serves.
Ready to see how ZestyAI works on your book of business?
Tell us a little about your needs. We'll show you how we reduce losses and help you price with precision.
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