Amica Insurance, a US-based insurer offering auto, home and life cover, has widened its partnership with ZestyAI, an AI-driven risk decision platform for the insurance industry, by adopting ZORRO Discover™, a tool built to give carriers real-time visibility into rate and form filing activity across the market.
ZORRO Discover™ scans and interprets millions of property and casualty rate and form filings, drawing on more than 200 million pages of regulatory material gathered over ten years, and provides answers linked directly to their original source documents.
The platform has been designed specifically for insurers, with AI agents that grasp filing structures and regulatory context, connect answers to carrier market share, and update continuously as new filings are approved. Amica said the tool has cut the time its teams spend on manual research by 95%, and is now being used to pre-empt regulator concerns and respond to objections using precedent that regulators have previously accepted.
This latest step builds on a relationship between the two firms that has grown steadily since 2021, when Amica first began using ZestyAI’s Z-FIRE™ tool to evaluate wildfire exposure at the level of individual properties. That scope widened in 2024 with the addition of Z-HAIL™, Z-WIND™ and Z-PROPERTY™, bringing the same property-level analysis to hail, wind and structural risk.
ZORRO Discover™ takes the partnership further still, moving beyond property risk assessment into the regulatory research, competitor benchmarking and filing processes that inform rate and product strategy.
Three new capabilities have recently been added to the platform. Objection Research pulls from over two million filings to reveal how rival carriers have responded to similar regulatory objections and which arguments were successful, helping to speed up filing cycles.
A Watchlist feature notifies teams on the same day that a monitored carrier files a rate change above a chosen threshold, for any state, line or filing type they specify. A separate rate intelligence view brings together approved rate changes by carrier, state and line of business in one place, showing the premium and policyholder impact tied to each change.
Amica Insurance Vice President, Actuarial State and Product Management Lynn Malloney said, “Understanding what is changing in the market — and how regulators are responding — is essential to making sound product decisions. ZORRO Discover™ gives our teams that context in a fraction of the time, allowing them to focus less on gathering information and more on execution of sound business decisions.”
ZestyAI founder and CEO Attila Toth said, “Amica has spent more than a century taking care of its policyholders, and behind that promise are thousands of decisions that have to be right. Our work together began with a single peril model. Today it informs those decisions across perils, across their entire portfolio — and, with ZORRO Discover™, across how their teams read the whole market. That kind of expansion only happens when the results earn it.”
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