ZestyAI, a risk and decision intelligence platform for the insurance industry, has secured partnerships with two US regional insurers, Harford Mutual Insurance Group and American European Insurance Group (AEIG), to strengthen property-level underwriting across their respective portfolios.
Both insurers will use ZestyAI’s platform, which applies computer vision and machine learning to aerial imagery, building permits and verified property data, to evaluate risk at the individual structure level, according to FF News.
The technology is designed to help carriers refine underwriting decisions, improve pricing alignment and better manage exposure concentration across expanding regional portfolios.
Harford Mutual, which serves markets across the Mid-Atlantic and South, has adopted ZestyAI’s Roof Age and Z-PROPERTY™ models to improve exposure insight across its commercial portfolio.
The Roof Age model cross-validates building permit records with more than 20 years of aerial imagery to detect roof replacement events and assign confidence scores across 97% of US properties, while Z-PROPERTY™ evaluates roof complexity, materials, condition and surrounding risk factors.
AEIG, which operates across states including New Jersey, New York, Pennsylvania, Maryland, Massachusetts, New Hampshire, Rhode Island, Nevada and Arizona, has adopted a broader suite of models, including Z-WATER™, Z-HAIL™, Z-WIND™ and Z-PROPERTY™.
These models analyse the interaction between property characteristics, environmental conditions and peril behaviour to predict claim frequency and severity at the individual property level.
Harford Mutual Insurance Group senior vice president and COO Wayne Gearhart said, “With ZestyAI, we have verified property-level intelligence that changes how we evaluate and manage risk. The platform improves our visibility into exposure across the portfolio and supports disciplined, resilient growth in our commercial book.”
AEIG president and CEO Steve Hartman said, “As we operate across states with varied exposure profiles, we need consistent, property-level insight into what drives losses across wind, hail, and non-weather water. ZestyAI gives us the precision to align underwriting and pricing with expected loss performance, support our agent partners with greater transparency, and maintain disciplined growth. Corporate experience alone is no longer sufficient to intelligently compete in a crowded marketplace, and the ability to leverage both traditional and non-traditional data in best-in-class account underwriting and pricing is a requirement for sustained profitability.”
ZestyAI founder and CEO Attila Toth said, “Regional insurers like Harford Mutual Insurance Group and American European Insurance Group are balancing expansion with the need to stay highly disciplined in how they evaluate property risk. Harford Mutual has a long history of doing what’s right for its agents and policyholders, and that starts with understanding risk accurately at the property level, while AEIG is applying the same principle across a highly diverse, multi-state portfolio. By grounding underwriting and pricing decisions in verified property-level intelligence, both organizations are strengthening underwriting discipline, improving portfolio resilience, and showing how regional carriers can leverage trusted AI to navigate today’s risk environment.”
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