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ZestyAI

AI-powered property risk intelligence for P&C carriers and reinsurers

Underwriting & Risk Growth Series B
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Overview

ZestyAI is an underwriting and risk data platform for property and casualty carriers, reinsurers, and brokers. The company provides AI-based risk scoring and decision intelligence across multiple perils including wildfire, hail, wind, severe convective storms, non-weather water damage, and interior fire. Founded in 2017 by Attila Toth and Kumar Dhuvur, ZestyAI serves the U.S. P&C market with property-level risk models built on aerial imagery, permit data, parcel records, and loss signals.

The platform delivers its models via API integrations into carrier underwriting, rating, renewal, and reinsurance workflows. The product suite spans eight specialized risk modules plus ZORRO Discover, an agentic AI tool for competitive and regulatory intelligence that automates insurance filing analysis and market research. ZestyAI reports 99.7% U.S. property coverage and a 62x improvement in property-level risk segmentation.

The company raised USD 46M+ in equity funding through a Series B led by Centana Growth Partners, and secured additional debt financing through CIBC Innovation Banking in 2025. ZestyAI turned cash flow positive while adding 26 new clients in early 2026, including Applied Underwriters, Lemonade, California Casualty, and Marsh McLennan Agency. The customer base includes over 40 carriers, with policyholders enabled in approximately one million households and businesses.

Products & Services

Z-FIRE

Wildfire risk assessment tool providing property-level risk scores for underwriting, rating, and reinsurance decisions.

Key Features

  • Property-level wildfire risk scoring
  • Integration into underwriting and renewal workflows
  • Regulatory-approved model

Target Users: P&C carriers and reinsurers managing wildfire-exposed property books

Z-HAIL

Hail damage prediction and risk modeling for property portfolios.

Key Features

  • Property-level hail vulnerability scores
  • Historical hail event correlation
  • Carrier workflow integration

Target Users: P&C carriers with personal and commercial property exposure

Z-WIND

Wind exposure and vulnerability assessment for property underwriting and catastrophe management.

Key Features

  • Wind risk scoring at the property level
  • Concentration management support
  • Integration with pricing workflows

Target Users: Carriers managing wind-exposed property portfolios

Z-STORM

Severe convective storm risk analysis covering multiple peril types beyond hail.

Key Features

  • Multi-peril convective storm assessment
  • Property-level scoring
  • Workflow integrations

Target Users: Carriers underwriting severe weather-exposed properties

Z-WATER

Non-weather water damage and freeze risk modeling for interior loss prevention.

Key Features

  • Non-weather water risk scoring
  • Freeze risk modeling
  • Property-level intelligence

Target Users: Carriers managing water and freeze loss exposure

Z-SPARK

Interior fire risk assessment for residential and commercial properties.

Key Features

  • Interior fire risk scoring
  • Property-level model
  • Underwriting decision support

Target Users: Carriers underwriting fire risk

Z-PROPERTY

3D roof modeling with parcel-level property intelligence, including roof age verification.

Key Features

  • 3D roof geometry modeling
  • Roof age verification
  • Parcel-level property attributes

Target Users: Carriers requiring detailed physical property data for pricing and underwriting

ZORRO Discover

Agentic AI platform for competitive intelligence and insurance regulatory research, automating filing analysis and market monitoring across all P&C lines.

Key Features

  • Automated insurance filing analysis
  • Market and competitive intelligence research
  • 95% reduction in research time reported
  • Coverage across all P&C lines

Target Users: Carrier strategy, underwriting, and actuarial teams tracking market and regulatory changes

At a Glance

Founded
2017
Headquarters
San Francisco, CA
Employees
51-200
Funding
Series B

Category & Focus

Category
Underwriting & Risk
Subcategories
Property Risk Scoring Climate Risk Analytics Regulatory & Market Intelligence
Insurance Verticals
P&C Personal P&C Commercial Specialty/E&S Reinsurance
Target Customers
Carriers, MGAs/MGUs, Reinsurers, Brokers

Customers

  • Farmers Insurance
  • Berkshire Hathaway Homestate Companies
  • Amica Mutual Insurance
  • Cincinnati Insurance Companies
  • Lemonade Insurance
  • California Casualty
  • West Bend Insurance
  • Applied Underwriters
  • Marsh McLennan Agency
  • Standard Casualty Company
  • Southern Oak Insurance Company
  • FAIR Plans

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Last updated: 2026-05-18