ZestyAI
ZestyAI is an AI-powered Decision Intelligence Platform that serves U.S. P&C insurance carriers with property-level risk models (wildfire, hail, wind, storm, water, fire), property intelligence, and agentic AI regulatory tools, covering 99.7% of U.S. properties with 200+ state regulatory approvals.
- Company typePrivate
- Founded2018
- HeadquartersSan Francisco, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What ZestyAI does
ZestyAI (legal entity Zesty.ai, Inc.) is a Decision Intelligence Platform serving U.S. property and casualty (P&C) insurance carriers, founded in 2018 by Attila Toth and headquartered in San Francisco as a fully remote organization with 51–100 employees. The company applies computer vision to aerial imagery and machine learning to structured property, climatology, permit, and loss data to produce property-level risk scores across six peril models (Z-FIRE wildfire, Z-HAIL hail, Z-WIND, Z-STORM, Z-WATER non-weather water, Z-SPARK non-weather fire) and two property intelligence products (Z-PROPERTY 3D roof and parcel insights, Roof Age), with the platform covering 99.7% of U.S. properties. ZORRO Discover, an agentic AI product, extends into regulatory and competitive intelligence by analyzing over 2 million filings and 200 million pages. Models run on a proprietary Monster Pod inference architecture built on NVIDIA Triton Inference Server and Kubernetes, delivering sub-second API response times and processing millions of requests daily for top U.S. carriers. As of 2026, the platform holds 200+ state regulatory approvals.
The company monetizes through enterprise SaaS/API subscriptions and platform licensing on quote-based annual contracts, with pricing tied to carrier size, property volume, and modules deployed. Go-to-market is enterprise field sales supported by an inside sales motion for mid-market and specialty insurers; distribution channels include direct enterprise sales, inside sales, and API-first integration into carrier underwriting, rating, renewal, and reinsurance workflows. Customers span national carriers (Allstate, Berkshire Hathaway Homestate, Lemonade, Cincinnati, TruStage), regional mutuals (West Bend, Harford Mutual, Donegal, Amica), specialty and E&S carriers (Kingstone, Southern Oak, VYRD, DUAL North America, Coterie), broker channels (Marsh McLennan Agency), and state residual markets (Colorado FAIR Plan, California FAIR Plan). The company reported processing 31 million risk assessments in 2024, enabling coverage for nearly 1 million previously uninsurable families and businesses in 2025, achieving cash flow positive in 2026 while more than doubling product usage and adding 26 new carrier customers. Total capital raised is $46 million ($33M Series B led by Centana Growth Partners in July 2022 plus a $15M credit facility from CIBC Innovation Banking in June 2025).
ZestyAI firmographics
Firmographics- Name
- ZestyAI
- Legal name
- Zesty.ai, Inc.
- Website
- https://zesty.ai
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- ZestyAI is an AI-powered Decision Intelligence Platform that serves U.S. P&C insurance carriers with property-level risk models (wildfire, hail, wind, storm, water, fire), property intelligence, and agentic AI regulatory tools, covering 99.7% of U.S. properties with 200+ state regulatory approvals.
- Ownership category
- akta.pro rank
Where ZestyAI is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ZestyAI business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Marketing or Sales, Operations
Revenue model
- Enterprise SaaS/API Subscriptions: ZestyAI provides its risk analytics platform to insurance carriers through enterprise subscriptions with API access. Carriers integrate ZestyAI's property intelligence into their underwriting, rating, and portfolio management workflows. Pricing is based on usage volume and the number of properties analyzed or APIs called.
- Platform Licensing: Licensing of specific risk models (Z-FIRE, Z-HAIL, Z-WIND, Z-STORM, Z-WATER) and property insights (Z-PROPERTY, Roof Age) to insurance carriers for use in underwriting, pricing, and compliance workflows.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise licensing with quote-based pricing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
ZestyAI product offering
Product offeringCore offering
ZestyAI sells an AI-powered Risk and Decision Intelligence Platform to U.S. property and casualty insurance carriers, delivering nine named products across peril-specific risk models, property intelligence, and competitive intelligence. The platform is consumed via API by carriers to underwrite, price, and portfolio-manage individual properties at sub-second response times, covering 99.7% of U.S. properties with 200+ state regulatory approvals.
Product overview
ZestyAI is a Decision Intelligence Platform for the P&C insurance industry, offering a unified portfolio of AI-powered risk models and property intelligence products. The platform consists of six peril-specific risk models (Z-FIRE for wildfire, Z-HAIL for hail, Z-WIND for wind, Z-STORM for severe convective storm, Z-WATER for non-weather water, and Z-SPARK for non-weather fire), two property insight solutions (Z-PROPERTY and Roof Age), and a competitive intelligence tool (ZORRO Discover). These products work together to enable property-level risk assessment across the insurance value chain—from new business underwriting and renewals to rating, reinsurance, and regulatory compliance. The platform delivers 200+ regulatory approvals, 99.7% U.S. property coverage, and 10x carrier ROI, processing property insights at sub-second API response times.
Differentiator
Problem solved
Functional benefit
Brands
- Z-FIRE: AI-powered wildfire risk model for predicting property damage likelihood from wildfire events
- Z-HAIL
- Z-WIND
- Z-STORM
- Z-WATER
- Z-SPARK
- Z-PROPERTY
- Roof Age
- ZORRO Discover
Products and services
- Z-FIRE
Quantifiable outcome
- 10x carrier ROI
- +6 more outcomes
Companies that use ZestyAI
Customer profileNamed customers16 records
Segments5 records
Ideal customer profiles3 records
ZestyAI technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability7 records
Feature10 records
ZestyAI partnerships and signals
Strategic signalPartnerships
28 partnerships are on record, tiered leadership and core.
- David FriendleadershipAppointed as Chief Financial Officer, bringing experience from enterprise software and property casualty insurance markets.
- John RossleadershipAppointed as Senior Vice President of Client Development, bringing experience from enterprise software and property casualty insurance markets.
- Columbia Lloyds Insurance CompanycoreSelected ZestyAI's Risk and Decision Intelligence platform to strengthen underwriting accuracy and property risk visibility across its homeowners portfolio in Texas, Oklahoma, and Arkansas. Using Z-PROPERTY platform and Roof Age model.
- Standard Casualty CompanycoreExpanded partnership to adopt ZORRO Discover AI-powered tool for regulatory and competitive intelligence analysis. Previously using ZestyAI's property underwriting tools since 2024.
- Kingstone CompaniescorePartnership to deploy Z-FIRE wildfire risk analytics for California homeowners market entry on excess and surplus lines basis. The model supports property-level rating and underwriting decisions using machine learning to assess wildfire exposure.
- Harford Mutual Insurance GroupcoreDeployed AI-powered property risk evaluation platform using Roof Age and Z-PROPERTY models across commercial portfolio covering Mid-Atlantic and South markets.
- American European Insurance GroupcoreAdopted broader suite including Z-WATER, Z-HAIL, Z-WIND and Z-PROPERTY models across multi-state portfolio spanning New Jersey, New York, Pennsylvania, Maryland, Massachusetts, New Hampshire, Rhode Island, Nevada and Arizona.
- Southern Oak Insurance CompanycoreExpanded partnership after nine months of demonstrated impact across Florida homeowners portfolio. Using ZestyAI's computer vision and machine learning platform for property-level risk assessment.
- Lilypad-Centauri InsurancecoreAdopted ZestyAI's Roof Age and Z-PROPERTY solutions for coastal underwriting and catastrophe risk management. Using aerial imagery and building permit data to evaluate roof condition and parcel attributes.
- Marsh McLennan AgencycoreAdopted Z-FIRE, Roof Age, and Z-PROPERTY solutions for wildfire risk evaluation for high-net-worth private clients with catastrophe-prone properties. Deployed through MM Private Client Services division.
- Augusta MutualcoreSelected ZestyAI's Roof Age and Z-PROPERTY products to enhance underwriting and rating accuracy for property insurance in Virginia, replacing traditional imagery and inspection approaches.
- TruStagecoreLeveraging ZestyAI's property risk analytics solutions including Z-HAIL, Z-FIRE, Z-PROPERTY, and Wildfire Mitigation Pre-Fill for commercial property underwriting. Enables precise pricing without costly on-site inspections.
- Coterie InsurancecoreAgreement to deliver property risk and value insights through ZestyAI's platform.
- DUAL North AmericacoreAdopted Z-STORM model for enhanced storm-risk underwriting and pricing as part of continued U.S. expansion. AI-powered model analyzes property-level risk factors including roof condition, materials, and local climatology.
- California CasualtycoreEnhanced wildfire risk assessment and underwriting in California using advanced AI models, improving accuracy in premium pricing and risk mitigation.
- Applied Home National UnderwriterscoreIntegrated ZestyAI's regulatory-approved peril-specific models including Z-Water, Z-Fire, Z-Hail, Z-Wind, and Z-Storm to enhance underwriting accuracy, pricing, and portfolio management.
- VYRDcoreBringing AI-powered risk analytics to Florida homeowners portfolio. Using Z-PROPERTY's Digital Roof and Location Insights to assess roof degradation, vegetation, and debris for hurricane-related loss reduction.
- Colorado FAIR PlancorePartnership to help expand insurance accessibility using AI-powered risk analytics. ZestyAI's models help bring greater fairness and resilience to the market.
- Colorado FAIR PlancorePartnering with ZestyAI on risk analytics to expand insurance accessibility amid climate risks.
- EarthDaily AnalyticscorePartnership to provide advanced analytics for insurers to mitigate climate-related risks, combining satellite imagery with ZestyAI's property risk models.
- LemonadecoreAdopted ZestyAI platform to optimize underwriting for catastrophe perils across the U.S., leveraging advanced AI models to analyze climatology, geography, and property characteristics.
- NEXT InsurancecoreAdopted ZestyAI's property risk models for small business insurance underwriting enhancement.
- NEXT InsurancecorePartnership to bring AI-powered risk insights to small business insurance using ZestyAI's property risk analytics.
- Safepoint HoldingscoreSelected ZestyAI to implement precision underwriting and streamline inspections with AI for property insurance operations.
- American Farmers & Ranchers InsurancecorePartnered with ZestyAI to enhance property risk management using AI-powered analytics.
- Donegal Insurance GroupcorePartnered with ZestyAI for property risk assessment solution to enhance underwriting precision.
- West Bend InsurancecoreExpanded partnership to use Z-PROPERTY for enhanced precision in underwriting and renewal processes for personal lines insurance.
- Amica Mutual InsurancecoreExpanded partnership to enhance property risk assessment in the face of increasing climate risks, integrating Z-FIRE for wildfire risk prediction.
Scale indicators12 records
Recent moves7 records
Expansion highlights7 records
ZestyAI competitors and assessment
Company assessmentDirect peers
- Cape Analytics: Cape Analytics applies computer vision to aerial imagery to deliver property-level risk intelligence for P&C insurers, directly competing with ZestyAI's Z-PROPERTY and peril models in the same carrier underwriting workflows.
- Earnix: Earnix provides AI-driven pricing and rating analytics for P&C and life insurers, directly competing with ZestyAI on the rating factor and underwriting decision intelligence layer used by actuarial teams.
- Shift Technology: Shift Technology applies AI to insurance claims, fraud detection, and underwriting, competing with ZestyAI for carrier AI budgets and overlapping on AI-driven underwriting decision workflows.
- Betterview: Betterview (now part of Nearmap) is a property intelligence platform using aerial imagery and computer vision for P&C insurers, directly competing with ZestyAI's Z-PROPERTY and peril-specific models.
- Cytora: Cytora uses AI to digitize and risk-score commercial insurance submissions, competing with ZestyAI's broader decision intelligence positioning while focused more on commercial lines intake and underwriting workflows.
Broad incumbents
- Verisk Analytics: Verisk is the dominant insurance data analytics incumbent, offering broad property, claims, and underwriting analytics. It overlaps with ZestyAI across peril modeling and is the primary incumbent ZestyAI must displace in carrier workflows; its former CEO now sits on ZestyAI's board.
- CoreLogic: CoreLogic is a major property data and analytics provider serving mortgage, real estate, and insurance markets. It competes broadly with ZestyAI on property-level risk intelligence, particularly for carriers using its property data layers.
- LexisNexis Risk Solutions: LexisNexis Risk Solutions provides insurance-grade data and analytics including property, casualty, and identity data. It is a broad incumbent that competes with ZestyAI on underwriting data and risk scoring.
- Guidewire: Guidewire is the leading core systems platform for P&C insurers, providing underwriting, claims, and billing infrastructure. While not a direct peril-model competitor, its analytics ecosystem competes with ZestyAI for embedded carrier spend and integration mindshare.
Emerging players
- Akur8: Akur8 provides AI-powered insurance pricing and rate-making software for P&C and health insurers. It overlaps with ZestyAI's rating and actuarial use cases, though with a stronger focus on transparent pricing model development.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
ZestyAI social profiles
Digital presenceZestyAI financial estimates
Financial estimateRevenue estimate
Valuation estimate
ZestyAI leadership team
Management profileNumber of profiles
Profiles9 records
ZestyAI funding detail
Funding detailFunding overview
Funding rounds6 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ZestyAI M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ZestyAI
What does ZestyAI do?
ZestyAI sells an AI-powered Risk and Decision Intelligence Platform to U.S. property and casualty insurance carriers, delivering nine named products across peril-specific risk models, property intelligence, and competitive intelligence. The platform is consumed via API by carriers to underwrite, price, and portfolio-manage individual properties at sub-second response times, covering 99.7% of U.S. properties with 200+ state regulatory approvals.
Is ZestyAI a public or private company?
ZestyAI is a private company. It is classified as venture growth investor backed and is currently operating.
When was ZestyAI founded?
ZestyAI was founded in 2018. It employs 51 to 100 people.
Where is ZestyAI based?
ZestyAI is headquartered in San Francisco, United States, in the North America region.
How does ZestyAI make money?
Two revenue lines are on record. Enterprise SaaS/API Subscriptions are the primary driver. The others are platform Licensing.
Who are ZestyAI's main competitors?
Direct peers on record are Cape Analytics, Earnix, Shift Technology, Betterview and Cytora. Broad incumbents are Verisk Analytics, CoreLogic, LexisNexis Risk Solutions and Guidewire. Akur8 is listed as an emerging player.
Does ZestyAI have an API?
Yes. ZestyAI offers a property intelligence API that provides sub-second response times (under one second per property) for real-time property risk insights. The API supports workflows including quoting, inspection targeting, renewal scoring, and portfolio reviews at scale, handling millions of requests per day from carriers. The platform was redesigned in late 2024, halving API response times, and further optimized in 2025 to achieve sub-second latency.