ZestyAI Expands ZORRO Discover for All P&C Lines, Enhancing Regulatory Intelligence
ZestyAI has expanded its ZORRO Discover™ platform to encompass all lines of property and casualty (P&C) insurance, offering carriers comprehensive regulatory and market intelligence derived from millions of state filings.
The platform accelerates regulatory approval processes by up to 50%, reduces adverse selection, and enhances analytical capabilities by more than twenty times. It covers diverse P&C segments such as Commercial Auto and Property, Personal Auto and Property, Financial and Specialty Lines, Liability and Professional Lines, and Workers' Compensation, integrating all major filing types across the United States.
Leveraging ZestyAI's Agentic AI technology, ZORRO Discover transforms a decade's worth of insurance filing data into a unified system that enables insurers to benchmark competitors, identify rating trends, and foresee regulatory objections. This data-driven approach allows product, actuarial, and regulatory teams to anticipate and address regulatory inquiries proactively, streamlining filing approvals and improving compliance workflows.
The platform's real-time monitoring capabilities keep insurers informed of new submissions and competitor activity, allowing for agile response to market shifts. By converting traditionally fragmented and manual processes into an automated, transparent decision system, ZORRO Discover supports carriers in making faster, more confident underwriting and pricing decisions.
ZestyAI’s overall mission is to enhance decision intelligence within the insurance industry with solutions that unify property-level data, predictive AI modeling, and automation. Its AI-driven tools cover a range of perils including wildfire, severe storms, and non-weather water damage—the fourth costliest homeowners insurance peril—providing precise risk insights validated by climate science and historical loss data.
The expanded ZORRO Discover platform exemplifies the industry's pivot towards digital transformation in regulatory and compliance analytics, helping insurers reduce costs and improve operational resilience. Insurers using such AI-driven platforms are positioned to improve pricing accuracy, streamline reinsurance outcomes, and maintain agility in a complex regulatory environment.