ZestyAI, the risk decision platform for the insurance industry, has partnered with Georgia Farm Bureau Mutual Insurance Company, the farmer-founded mutual insurer that serves rural communities across the state, to sharpen the carrier’s regulatory research and competitive intelligence work.
Georgia Farm Bureau Mutual has selected ZORRO Discover, ZestyAI’s regulatory research tool, to speed up how it researches the market and to give it clearer sight of rate, form and competitive filing activity across the wider insurance industry.
Georgia Farm Bureau Mutual was established in 1959 by the Georgia Farm Bureau Federation, the largest voluntary agricultural body in the state, and has built up decades of knowledge about the farms, homes and businesses that sit within an industry contributing more than $91.4bn to Georgia’s economy annually. Understanding customers well is only part of the equation, however, as building suitable products also depends on reading rate trends, tracking competitors and interpreting how regulators have treated comparable filings, much of which sits buried across millions of pages of public filings.
That level of insight has typically only been within reach of the largest national carriers, which have the resources to dedicate whole teams to sifting through scattered databases and years’ worth of objection letters. ZORRO Discover is designed to remove that barrier. Built specifically for the insurance sector, its AI agents scan and interpret more than 200 million pages of property and casualty rate and form filings stretching back a decade, delivering cited answers, linking filings to carrier market share, and folding in new submissions as they gain approval.
As a result, Georgia Farm Bureau Mutual’s team can now surface relevant precedent, monitor competitor moves and flag likely regulatory concerns ahead of submitting a filing, turning work that previously took days into a matter of minutes and giving staff more capacity to focus on sharper products and pricing for the Georgians the company covers.
Georgia Farm Bureau Mutual Insurance Company principal actuary Steven Reslie said, “Our actuarial team needs to understand not only what’s changing in the market, but how regulators are responding to those changes. ZORRO Discover gives us a much faster way to find that information and put it to work. Spending less time compiling filings gives us more time to do what we are here to do: build better products for the farm families and rural communities we serve.”
ZestyAI founder and CEO Attila Toth said, “Georgia Farm Bureau Mutual Insurance Company has spent more than 65 years learning its farm families better than anyone. What they haven’t had is the regulatory intelligence a national carrier can afford to build. ZORRO Discover closes that gap, giving their team fast, cited answers from a decade of filings so they can spend their time where it matters most: building better products for the people who power Georgia’s largest industry.”
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