Exzeo
- Company typePublic
- Founded2012
- HeadquartersTampa, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
Exzeo firmographics
Firmographics- Name
- Exzeo
- Legal name
- Exzeo Group, Inc.
- Website
- https://exzeo.com
- Company type
- Public
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Exzeo industry classification
Industry- Product category
- Insurance Technology Platforms (Insurtech)
- NAICS
- Computer Systems Design Services (541512)
- SIC
- Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
- akta.pro secondary industry
- Data Engineering, Integration & ETL/ELT Services (BPAEAHAB)
Keywords
Where Exzeo is headquartered
LocationHeadquarters
- HQ city
- Tampa
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Exzeo business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Insurance-as-a-Service Platform Fees: Exzeo generates revenue primarily through its Insurance-as-a-Service (IaaS) platform, providing a comprehensive suite of integrated capabilities to insurance carriers including policy administration, underwriting, claims management, and analytics. The company earns platform fees from carriers who use its technology to manage their insurance operations. HCI Group is the anchor customer representing approximately 93% of platform premium, with three non-HCI customers representing 7%.
- Premium Under Management / Managed Premium: Exzeo earns revenue based on the volume of premium managed through its platform. Managed Premium grew 139% to $1.39 billion as of year-end 2025, with the company raising its 2026 full-year managed premium outlook to $1.55 billion.
- Premium-Based / Pay-as-you-go: Described as a pay-as-you-go model, with revenue tied to the volume of insurance premium written by carriers using the Exzeo platform. The model provides revenue stability through HCI Group's anchor ownership while building external traction.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier — 10 PDFs per month, 1 user seat |
| Subscription | Monthly | Basic — $199/month, 50 PDFs, 5 user seats |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Exzeo product offering
Product offeringCore offering
Exzeo provides a cloud-based Insurance-as-a-Service (IaaS) platform for property and casualty insurance carriers, integrating policy administration, underwriting, claims management, mapping, and analytics into a unified digital ecosystem. The platform is sold to insurance carriers and includes standalone products such as WindForm Pro (AI-powered Florida wind mitigation compliance) and a set of insurance contracts (flood, homeowners, commercial residential) that Exzeo designs, markets, underwrites, and administers for carrier partners.
Product overview
Exzeo offers a unified Insurance-as-a-Service (IaaS) platform for the property and casualty insurance industry, comprising multiple integrated modules covering the full insurance lifecycle. The core Exzeo Platform integrates policy administration, underwriting, claims management, mapping visualization, and analytics. Key modules include: Casaclue (intelligent data repository), Harmony (policy administration), AtlasViewer (mapping and visualization), ClaimColony (claims management), JustEZ (mobile adjuster app), Mercury (workflow automation), SAMS (policy management), ExaHub (centralized data platform), and ExzeoIQ (reporting and analytics). WindForm Pro is a separate AI-powered tool for Florida wind mitigation compliance. The company was founded in 2012 as an internal division of HCI Group and completed its IPO in November 2025.
Differentiator
Problem solved
Functional benefit
Brands
- WindForm Pro: AI-powered platform for Florida carriers that simplifies wind mitigation data capture and compliance
Products and services
- Exzeo Platform Insurance-as-a-Service (IaaS) platform providing a complete, turn-key technology solution for the property and casualty insurance industry. Integrates policy administration, underwriting, claims management, mapping, and analytics into a single cloud-based system for U.S. insurance carriers.
- Casaclue Intelligent data repository that transforms structured and unstructured data from multiple sources into actionable inputs for Exzeo's advanced underwriting models, enabling precise risk selection.
- Harmony Comprehensive policy administration platform that streamlines the entire policy lifecycle from quoting to binding, with advanced underwriting capabilities and an intuitive design.
- AtlasViewer Mapping and data visualization platform that integrates location-based data from multiple sources into a comprehensive, tailored view of risk, turning data into actionable insights for smarter business decisions.
- ClaimColony End-to-end claims management platform used by carriers, third-party administrators, independent adjusters, and insurance litigation services to run the full claims lifecycle.
- JustEZ Claims adjuster mobile application that syncs inspections from various carriers, schedules appointments, syncs photos to cloud storage, and generates scoping reports for the field.
- Mercury Integrated workflow solution designed to ensure uniform routing and seamless policy change tracking, with automated processes for enhanced efficiency and compliance.
- SAMS Web-based system designed to automate and streamline the process of managing insurance policies within the Exzeo platform.
- ExaHub Centralized data platform built to efficiently store and manage complex, diverse datasets, designed for large-scale data analytics, enterprise data warehousing, and cloud-based solutions with scalability, speed, and reliability.
- ExzeoIQ Transparent reporting platform for customers including month-end financials, data calls, exposure management, and overall risk management.
- WindForm Pro Purpose-built AI tool for Florida insurance carriers that simplifies wind mitigation data capture and compliance, converting PDF wind mitigation forms into OIR-ready data via AI/LLM extraction, with batch processing and Excel export.
- Flood Insurance Insurance contract designed, marketed, underwritten and administered by Exzeo for carrier partners, providing flood insurance coverage to property owners.
- Homeowners Insurance Florida homeowners insurance contract designed, marketed, underwritten and administered by Exzeo for carrier partners.
- Commercial Residential Condominium Insurance Commercial residential condominium insurance contract designed, marketed, underwritten and administered by Exzeo for carrier partners.
- TMH2O Flood Insurance Residential flood insurance product from Tokio Marine Highland, distributed through Exzeo's platform across 42 states, featuring building limits up to $1 million, contents limits up to $500,000, no waiting period, no coinsurance penalty, and replacement cost coverage.
Quantifiable outcome
- Managed Premium grew 139% year-over-year to $1.39 billion as of year-end 2025
- +5 more outcomes
Companies that use Exzeo
Customer profileNamed customers6 records
Segments2 records
Ideal customer profiles2 records
Exzeo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability9 records
Feature11 records
Exzeo partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Tokio Marine HighlandcoreExzeo announced a strategic partnership with Tokio Marine Highland, a subsidiary of Tokio Marine Kiln, to distribute TMH2O, Tokio Marine Highland's primary residential flood insurance product across 42 states. The partnership integrates TMH2O into Exzeo's technology platform, expanding its property insurance offerings to include homeowners, commercial residential, and flood insurance products. TMH2O coverage includes building limits up to $1 million, contents limits up to $500,000, and features no waiting period, no coinsurance penalty, and replacement cost coverage.
Scale indicators10 records
Recent moves8 records
Expansion highlights5 records
Exzeo competitors and assessment
Company assessmentDirect peers
- Guidewire Software: Leading provider of core insurance platform software (PolicyCenter, ClaimCenter, BillingCenter) for P&C carriers. Directly comparable to Exzeo as a mission-critical insurance core systems vendor with similar underwriting, policy, and claims functionality, though at much larger enterprise scale.
- Duck Creek Technologies: Cloud-native P&C insurance core system provider covering policy, billing, and claims. Closely comparable to Exzeo's Harmony/ClaimColony capabilities as a SaaS insurance platform sold to mid-market and enterprise carriers.
- EIS Group: Cloud-native insurance core platform for P&C, life, and benefits carriers with deep policy administration and underwriting capabilities. Directly comparable to Exzeo's Harmony platform for full-lifecycle carrier operations.
- Majesco: P&C and L&A core insurance software provider with P&C Suite, ClaimVantage, and analytics offerings. Comparable as an established mid-market insurance technology vendor serving carriers in similar workflows to Exzeo.
- Insurity: Insurance software and analytics platform for P&C carriers spanning policy, claims, and analytics. Comparable as a vertically integrated insurance technology vendor competing for similar carrier workloads.
Broad incumbents
- Applied Systems: Established insurance agency and brokerage management platform (Applied Epic, TAM) serving a broad P&C ecosystem. Comparable as a category-defining insurance workflow platform, though skewed toward distribution rather than carrier-side core systems like Exzeo.
- CCC Intelligent Solutions: AI-driven platform for the insurance economy, particularly auto claims and ecosystem connectivity. Comparable in applying AI/ML to insurance workflows and claims automation, though specializing in auto rather than property lines like Exzeo.
- Vertafore: Large insurance technology provider focused on agency management, rating, and carrier connectivity. Comparable as a long-standing insurance platform vendor, though primarily distribution-side rather than carrier core systems like Exzeo.
Emerging players
- Socotra: Cloud-native insurance core platform targeting digital insurers and MGAs with a developer-friendly core system. Comparable to Exzeo's policy administration ambitions, though smaller and more focused on greenfield digital carriers.
- Origami Risk: Cloud-based insurance risk, claims, and policy management platform serving insurers, MGAs, and TPAs. Comparable in offering integrated claims and policy workflows to mid-market insurance entities, with some overlap with Exzeo's ClaimColony and SAMS.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Exzeo social profiles
Digital presenceExzeo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Exzeo leadership team
Management profileNumber of profiles
Profiles12 records
Exzeo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Exzeo 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 Exzeo
What does Exzeo do?
Exzeo provides a cloud-based Insurance-as-a-Service (IaaS) platform for property and casualty insurance carriers, integrating policy administration, underwriting, claims management, mapping, and analytics into a unified digital ecosystem. The platform is sold to insurance carriers and includes standalone products such as WindForm Pro (AI-powered Florida wind mitigation compliance) and a set of insurance contracts (flood, homeowners, commercial residential) that Exzeo designs, markets, underwrites, and administers for carrier partners.
Is Exzeo a public or private company?
Exzeo is a public company. It is classified as public and is currently operating.
When was Exzeo founded?
Exzeo was founded in 2012. It employs 101 to 250 people.
Where is Exzeo based?
Exzeo is headquartered in Tampa, United States, in the North America region.
How does Exzeo make money?
Three revenue lines are on record. Insurance-as-a-Service Platform Fees are the primary driver. The others are premium Under Management / Managed Premium and premium-Based / Pay-as-you-go.
Who are Exzeo's main competitors?
Direct peers on record are Guidewire Software, Duck Creek Technologies, EIS Group, Majesco and Insurity. Broad incumbents are Applied Systems, CCC Intelligent Solutions and Vertafore. Emerging players are Socotra and Origami Risk.
Does Exzeo have an API?
No public API is recorded for Exzeo.
What industry is Exzeo in?
Exzeo's product category is Insurance Technology Platforms (Insurtech). Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms, with a secondary code of BPAEAHAB, Data Engineering, Integration & ETL/ELT Services. Its NAICS code is 541512 and its SIC code is 7373.