Zywave
Zywave is an insurtech platform serving 15,000+ insurance carriers, brokers, MGAs, and agencies with proprietary rating engines, insurance data, loss analytics, agency management systems, and an Agentic AI suite that automates the full insurance lifecycle.
- Company typePrivate
- Founded1992
- HeadquartersMilwaukee, United States
- Headcount501–1,000
- GTM typeB2B
- OfferingSoftware
What Zywave does
Zywave is an insurance technology company founded in 1992 and headquartered in Milwaukee, Wisconsin, that operates the most comprehensive cloud platform in the insurtech industry. The company serves more than 15,000 insurance carriers, brokers, MGAs, and agencies — including all of the top 100 U.S. insurance firms and 8,000+ connected agencies — across personal lines, commercial lines, group benefits, cyber, E&S, and reinsurance. Its platform combines rating engines, proprietary insurance data, loss analytics, agency management systems, content, and a 2025-launched Agentic AI suite that automates prospecting, quoting, renewal, and servicing workflows.
The product portfolio is organized around three insurance-native data assets that competitors cannot easily replicate: 30+ years of rating intelligence, 4M+ commercial company records and 85M household profiles (miEdge), and 1M+ verified loss events (Loss Insight). Core products include TurboRater for personal lines comparative rating, ClarionDoor for rating-quote-bind workflows, Agency Matrix, Partner Platform and BrokerageBuilder as AMS offerings, Content Cloud with 10,000+ attorney-reviewed pieces, and WCL for reinsurance treaty placement. The platform exposes nine named APIs (Personal Lines Quoting, Group Benefits Quoting, MGA Hub, Commercial Policy Benchmark, Lead Insights, Content, Accounts & Contacts, BrokerageBuilder, Policies) with certified integrations into Salesforce, Microsoft Dynamics 365, Vertafore, Applied Systems, and Employee Navigator. AI is delivered through the Producer Agent, Advisor Agent, and four specialized workflow agents.
Revenue is generated primarily through B2B SaaS subscriptions priced per organizational size and product scope, supplemented by usage-based API/connectivity fees and a Professional Services Organization for implementation, education, and outsourced services. The company executes a hybrid direct enterprise field sales motion combined with API-first embedded distribution, and pursues an aggressive roll-up M&A strategy that has delivered 12+ acquisitions since 2015 (including miEdge, Advisen, ITC, Enquiron, ClarionDoor, IBQ Systems, and SIS). It operates events such as Insuring Growth, Cyber Risk Awards, Digital Distribution Insights, and Casualty Insights to drive pipeline, and maintains a global footprint spanning North America and the UK (Bermuda and London Market via WCL). The company is privately held with no disclosed institutional investors in the source material.
Zywave firmographics
Firmographics- Name
- Zywave
- Legal name
- Zywave, Inc.
- Website
- https://zywave.com
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Zywave is an insurtech platform serving 15,000+ insurance carriers, brokers, MGAs, and agencies with proprietary rating engines, insurance data, loss analytics, agency management systems, and an Agentic AI suite that automates the full insurance lifecycle.
- Ownership category
- akta.pro rank
Zywave industry classification
Industry- Product category
- Insurance Technology Platform (Insurtech SaaS)
- NAICS
- Custom Computer Programming Services (541511), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370), Services-Prepackaged Software (7372), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)
- akta.pro secondary industry
- Insurance Program Administration & MGA/MGU Services (FSAEADAK)
Keywords
Where Zywave is headquartered
LocationHeadquarters
- HQ city
- Milwaukee
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Zywave business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Platform Subscriptions: Zywave operates primarily as a B2B SaaS platform serving insurance carriers, brokers, MGAs, and agencies. Revenue is generated through recurring platform subscriptions with tiered access to different product modules including rating engines, AI agents, data products, content libraries, and agency management systems. The company offers annual and multi-year contract billing with pricing based on organizational size and product scope.
- API and Connectivity Fees: API access and connectivity services provide additional revenue through embedded integrations with carrier systems, agency management platforms, and enterprise customer tech stacks. Pricing tied to usage volume and integration scope.
- Professional Services & Training: Dedicated Professional Services Organization (PSO) provides product implementation, ongoing education, and outsourced services that complement the core SaaS subscription.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | AI Agent Suite (Early Adopter) |
| Subscription | Annual | Enterprise SaaS Platform |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels12 records
Zywave product offering
Product offeringCore offering
Zywave provides a cloud-based insurance technology (insurtech) SaaS platform serving insurance carriers, brokers, MGAs, and agencies. The platform combines comparative rating engines, proprietary commercial insurance and loss data assets, agency management systems, and agentic AI agents that autonomously execute prospecting, quoting, renewal, and servicing workflows. Offerings are delivered via direct enterprise subscriptions and API-first embedded integrations across the insurance ecosystem.
Product overview
Zywave is an insurance technology platform providing a comprehensive suite of solutions for insurance carriers, brokers, MGAs, and agencies. The platform operates as a multi-product ecosystem built on 30+ years of insurance expertise, featuring rating intelligence, proprietary insurance data, and loss analytics activated by Agentic AI. Core products include TurboRater (personal lines comparative rating), miEdge (insurance-prospect database with 4M+ company records), Loss Insight (loss analytics with 1M+ verified loss events), Market Basket (premium/quote data), Commercial Analytics, ClarionDoor (rating-quote-bind workflows), and multiple agency management systems (BrokerageBuilder, Agency Matrix, Partner Platform). Content solutions include Content Cloud and ClientCloud. The AI layer includes Producer Agent, Advisor Agent, and four specialized AI agents (Prospect Identification, Lead Sourcing & Scoring, Research & Enrichment, Outreach & Optimization). A comprehensive API portfolio supports embedded integrations including Personal Lines Quoting API, Group Benefits Quoting API, MGA Hub API, and data APIs (Commercial Policy Benchmark, Lead Insights, Content). Additional products span Cyber Quoting, MGA Hub, Enterprise Quoting, Benefits CPQ, Zywave Websites, Marketing Automation, ModMaster, and WCL for treaty placement.
Differentiator
Problem solved
Functional benefit
Brands
- miEdge: Insurance-prospect database and broker-appointing engine for distribution growth
- TurboRater
- ClarionDoor
- BrokerageBuilder
- Partner Platform
- Agency Matrix
- Content Cloud
- ClientCloud
- ModMaster
- Loss Insight
- Market Basket
- Cyber Quoting
- WCL (Web Connectivity Limited)
- Zywave Websites
- Marketing Automation
- Advisor Agent
- Producer Agent
- Advisen
Products and services
- TurboRater Industry-leading personal lines comparative rating platform that enables insurance agents to quote personal line coverage (home, flood, auto) from multiple carriers quickly and accurately in one place. Stated as the industry's #1 personal lines quoting platform.
- miEdge Insurance-prospect database and broker-appointing engine providing 4M+ company records, 85M household profiles, broker-switching signals, and 400+ data points per employer from sources such as DOL, OSHA, and DOT. Used for lead generation and market intelligence.
- Loss Insight Loss intelligence platform providing over 1 million verified loss events covering cybersecurity, D&O, EPLI, and excess casualty losses benchmarked by industry, size, and geography. Used by carriers for risk modeling, limit-setting, and product launches.
- Market Basket
Companies that use Zywave
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles3 records
Zywave technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability9 records
Feature17 records
Zywave partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- WCL (Web Connectivity Ltd)coreWCL, a Zywave company, launched an enhanced platform for treaty risk placement in Bermuda, developed with stakeholders in the reinsurance industry including Ark Bermuda and Vantage Risk as pilot users.
- Willis (WTW business)coreWillis expanded its partnership with Zywave by integrating Zywave's Benchmark API into Willis' Risk IQ analytics suite. The integration combines Willis's proprietary data with Zywave's external loss data and benchmarking intelligence to enhance risk analysis depth, transparency for board reporting, and pattern detection such as social inflation.
- Verisk (ISO Electronic Rating Content)coreZywave partnered with Verisk to integrate ISO Electronic Rating Content (ISO ERC) within the ClarionDoor platform, enabling precision and efficiency in commercial rating workflows for carriers and brokers.
Scale indicators24 records
Recent moves7 records
Expansion highlights6 records
Zywave competitors and assessment
Company assessmentDirect peers
- Majesco: Majesco provides a cloud insurance platform (Policy, Claims, Billing, L&A) targeting mid-market insurers, competing with Zywave's enterprise carrier solutions across digital transformation, AI, and core system modernization initiatives.
- Vertafore: Vertafore provides agency management, rating, and connectivity solutions for insurance agencies, overlapping with Zywave's personal lines and AMS offerings; the two firms are simultaneously integration partners and competitors across agency-side workflows.
- EIS Group: EIS Group provides a digital insurance platform for life, health, and P&C carriers with low-code configuration capabilities that directly rival Zywave's ClarionDoor and Enterprise Quoting offerings in carrier product configuration.
- Duck Creek Technologies: Duck Creek provides a cloud-based core insurance suite for property/casualty carriers, directly competing with Zywave's carrier-facing rating and product distribution modules (ClarionDoor, Enterprise Quoting).
- Applied Systems: Applied Systems is the largest provider of agency management systems and insurance automation software for P&C agencies, directly competing with Zywave's BrokerageBuilder, Agency Matrix, and Partner Platform products across the same agency buyer base.
- Insurity: Insurity delivers insurance software and analytics for carriers, MGAs, and agencies, overlapping with Zywave in policy administration, rating, and data/analytics products across similar P&C and specialty buyers.
Broad incumbents
- Salesforce (Financial Services Cloud): Salesforce is an integration partner of Zywave's miEdge and Lead Insights APIs but its Financial Services Cloud and Einstein AI increasingly overlap with insurance-specific CRM, prospecting, and AI agent use cases targeted by Zywave.
- Guidewire Software: Guidewire is the dominant insurance core platform serving carriers (PolicyCenter, ClaimCenter, BillingCenter). It competes with Zywave's ClarionDoor and Enterprise Quoting in carrier rating/distribution and increasingly in insurance-specific AI through its Cytora acquisition.
- Verisk: Verisk is a major insurance data, analytics, and rating-content provider (ISO ERC) that overlaps with Zywave's Loss Insight, Market Basket, and ClarionDoor through ISO Electronic Rating Content partnerships and parallel cyber/risk analytics offerings.
Emerging players
- Earnix: Earnix is an AI-powered rating and price optimization platform for insurers that competes with Zywave's Market Basket and rating engine modules, particularly in carrier pricing analytics and AI-driven underwriting.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Zywave social profiles
Digital presenceZywave compliance and trust
Trust signalCompliance1 record
Zywave financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zywave leadership team
Management profileNumber of profiles
Profiles13 records
Zywave subsidiaries and ownership
Company hierarchySubsidiaries8 records
Zywave funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zywave M&A and investment
M&A and investmentM&A12 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Zywave
What does Zywave do?
Zywave provides a cloud-based insurance technology (insurtech) SaaS platform serving insurance carriers, brokers, MGAs, and agencies. The platform combines comparative rating engines, proprietary commercial insurance and loss data assets, agency management systems, and agentic AI agents that autonomously execute prospecting, quoting, renewal, and servicing workflows. Offerings are delivered via direct enterprise subscriptions and API-first embedded integrations across the insurance ecosystem.
Is Zywave a public or private company?
Zywave is a private company. It is classified as unknown and is currently operating.
When was Zywave founded?
Zywave was founded in 1992. It employs 501 to 1,000 people.
Where is Zywave based?
Zywave is headquartered in Milwaukee, United States, in the North America region.
How does Zywave make money?
Three revenue lines are on record. SaaS Platform Subscriptions are the primary driver. The others are API and Connectivity Fees and professional Services & Training.
Who are Zywave's main competitors?
Direct peers on record are Majesco, Vertafore, EIS Group, Duck Creek Technologies, Applied Systems and Insurity. Broad incumbents are Salesforce (Financial Services Cloud), Guidewire Software and Verisk. Earnix is listed as an emerging player.
Does Zywave have an API?
Yes. Zywave offers multiple API products including Personal Lines Quoting API (embeds TurboRater data for real-time home, flood, and auto quotes from hundreds of carriers), Group Benefits Quoting API (quotes group benefits for 100,000+ plans from more than 1,000 carriers), MGA Hub API (supports Excess & Surplus commercial GL and property quoting from multiple carriers), Commercial Policy Benchmark API (access peer benchmarking data and loss examples), Lead Insights API (access over 4 million employer profiles with 400+ data points from sources like DOL, OSHA, and DOT), Content API (distribute industry-leading content directly into client portals with 10,000+ pieces of expert-created content), Accounts & Contacts API (connects Zywave accounts/contacts with CRMs), BrokerageBuilder API (bridges BrokerageBuilder system with other platforms), and Policies API (moves policy data freely between CRMs, AMS, benefits platforms, compliance tools, and carrier portals). APIs are described as API-first with open architecture. Developer documentation is at www.zywave.com/api-guide.
What industry is Zywave in?
Zywave's product category is Insurance Technology Platform (Insurtech SaaS). Its primary akta.pro industry code is FSAGAGAB, Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS), with a secondary code of FSAEADAK, Insurance Program Administration & MGA/MGU Services. Its NAICS code is 541511 and its SIC code is 7370.