Enquiron

What Enquiron does

Zywave is an insurance technology company that has operated for approximately 30 years, building a vertically integrated platform serving insurance carriers, brokers and agents, and Managing General Agents (MGAs). The portfolio spans more than 25 products organized around three pillars — carrier solutions, broker/MGA solutions, and the Zywave Apex AI platform — including data products (Loss Insight, Market Basket, Commercial Analytics, Lead Insights API, miEdge), rating-quote-bind and CPQ tools (TurboRater, ClarionDoor, Benefits CPQ, Cyber Quoting, Enterprise Quoting, MGA Hub, BrokerageBuilder), agency management (Agency Matrix, Partner Platform), content and client engagement (Content Cloud, Client Cloud, Marketing Automation, Zywave Websites), and data connectivity (Web Connectivity Ltd). The underlying technology is a cloud-based platform built on 40+ data sources accumulated over 30 years, claimed to include 4M+ employer records, 85M+ household profiles, 1M+ verified loss events, and 15,000+ attorney-reviewed content assets.

Zywave monetizes primarily through annual quote-based enterprise SaaS subscriptions sold via direct enterprise field sales targeting top-100 brokerages, large carriers, and MGAs, with an additional API-first distribution channel exposing nine documented APIs (personal lines quoting, group benefits quoting, MGA hub, commercial policy benchmark, lead insights, content, accounts & contacts, BrokerageBuilder, and policies) for embedded integration into customer systems. The newest strategic layer is Zywave Apex, which delivers autonomous AI agents (Producer Agent for prospecting, Advisor Agent for renewal management) and an Apex Model Context Protocol (MCP) server that connects proprietary insurance intelligence directly to Claude, ChatGPT, Copilot, and Gemini assistants. The company is privately held, headquartered in Milwaukee, Wisconsin, and reports being trusted by 15,000+ insurance companies and the top 100 brokerages.

Name

Enquiron

Legal name

Zywave

Website

https://enquiron.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

Zywave is an insurance technology platform serving carriers, brokers, and MGAs with 25+ products spanning data analytics, quoting workflows, agency management, content distribution, and the Zywave Apex AI platform featuring autonomous Producer and Advisor agents grounded in 30 years of proprietary insurance intelligence.

Ownership category

akta.pro rank

Product category

Insurance Distribution Software

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Other Insurance Related Activities (52429), Insurance Carriers (5241)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

akta.pro secondary industries

Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE), Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Insurance technology platform
• Insurance distribution software
• Agency management systems
• Insurance rating and quoting
• AI insurance agents

Headquarters

HQ city

Boston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Platform Subscriptions: Subscription-based access to Zywave's insurance technology platform including AI agents, data products, quoting tools, and content libraries. Multiple product tiers and add-ons available.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels8 records

Core offering

Enquiron (operating as Zywave) sells a B2B insurance technology platform — Zywave Apex and its broader product suite — that helps insurance carriers, brokers/agents, and MGAs execute prospecting, quoting, rating, renewal, and servicing workflows. The platform combines purpose-built AI agents, proprietary insurance data (4M+ employer records, 85M+ household profiles, 1M+ verified loss events), 1,000+ live carrier connections, and 15,000+ expert-reviewed content assets to power insurance distribution.

Product overview

Zywave is an insurance technology platform offering a unified portfolio of products organized around three core pillars: Insurance Carrier Solutions (for bringing products to market, powering distribution, streamlining underwriting/pricing, and improving retention), Broker & MGA Solutions (for analyzing data, attracting clients, simplifying servicing, and reducing risk), and the AI Platform (Zywave Apex). The platform comprises over 25 distinct products including data tools (Loss Insight, Market Basket, Commercial Analytics, Lead Insights API), quoting and rating solutions (TurboRater, ClarionDoor, Enterprise Quoting, Benefits CPQ, Cyber Quoting), agency management tools (Agency Matrix, BrokerageBuilder, Partner Platform), content platforms (Content Cloud, Client Cloud, Zywave Websites), marketing automation, and the AI-powered Apex platform with autonomous agents (Producer Agent, Advisor Agent) and MCP integration. The company serves 15,000+ insurance companies and operates the largest insurance-prospect database with 4M+ employer records and 85M+ household profiles.

Differentiator

Problem solved

Functional benefit

Brands

• Zywave Apex: AI platform for insurance distribution delivering systems of action through Apex MCP, Producer Agent, and Advisor Agent.
• Loss Insight
• Market Basket
• miEdge
• ClarionDoor
• Client Engagement Suite
• WCL

Products and services

• Zywave Apex AI platform for insurance distribution that delivers systems of action — Apex MCP, Producer Agent, and Advisor Agent — to grow the front office through automated prospecting, quoting, renewal, and servicing workflows.
• Loss Insight Portfolio risk analysis product providing over 1 million verified loss events to model risk, set limits, and launch products without blind spots, primarily for insurance carriers.
• Market Basket Premium and quote analytics tool that leverages millions of anonymized records to refine rate-making, validate product fit, and enter new markets, primarily for insurance carriers.
• miEdge Largest insurance-prospect database and broker-appointing engine for distribution growth, providing carrier connections and market intelligence for carriers, brokers, and agencies.
• ClarionDoor Modern rating-quote-bind workflows for connected carriers and brokers, supporting low-code standalone rating across multiple lines of business.
• Client Engagement Suite Centralized client engagement portal connecting consumers to content, compliance resources, and insurance solutions across risk management, cyber, benefits, and learning management, primarily for insurance carriers.
• Marketing Automation Email and campaign automation platform built for insurance professionals to attract and convert new clients.
• Zywave Websites Insurance agency website platform claimed as the largest provider of insurance agency websites in the US.
• Commercial Analytics Comprehensive data and analytics product for benchmarking, risk analysis, and market intelligence across commercial lines.
• ModMaster Workers' compensation modifier analysis tool for cost reduction and strengthening client retention strategies.
• Benefits CPQ End-to-end employee benefits quoting and renewals solution simplifying quote management across group benefits.
• TurboRater Personal lines quoting tool for quick and accurate quoting from multiple carriers in one place.
• MGA Hub Blindable options platform for Excess & Surplus (E&S) coverage in a single view, designed for MGAs.
• Cyber Quoting Cyber insurance quoting tool providing best price and coverage combinations comparing carriers, premiums, and coverages side-by-side.
• Enterprise Quoting Scalable, customizable API-first portal consolidating an entire carrier panel and all lines of business into a single interface.
• BrokerageBuilder Request for proposal process management tool that streamlines renewals and eliminates time-consuming processes.
• Partner Platform Platform for managing large, complex commercial accounts with simplified workflows.
• Agency Matrix Agency management system supporting client, policy, plan data, commissions, and accounting management across pre-sales, servicing, renewals, and policy lifecycle.
• Content Cloud Centralized library of insurance content, compliance resources, and regulatory intelligence supporting safety programs, risk management, cyber, benefits, and AI.
• Client Cloud Self-service portal giving clients access to on-demand resources and tools generating required reports and forms for ACA, FMLA, OSHA and more.
• WCL (Web Connectivity Ltd) Data connection and standardization tool for accounting, placing, and claims data, integrated into carrier solutions for streamlined underwriting and data management.
• Personal Lines Quoting API API embedding TurboRater data for real-time home, flood, and auto quotes from hundreds of carriers.
• Group Benefits Quoting API API for quoting group benefits with 100,000+ plans for medical and ancillary lines from more than 1,000 carriers.
• MGA Hub API API supporting Excess & Surplus (E&S) commercial GL and property quoting from multiple carriers with portal integration.
• Commercial Policy Benchmark API API providing peer benchmarking data and loss examples to elevate client presentations and advisory services.
• Lead Insights API API access to over 4 million employer profiles with 400+ data points from sources like DOL, OSHA, and DOT.
• Content API API for distributing industry-leading content directly into client portals with 10,000+ pieces of expert-created, attorney-reviewed content.
• Accounts & Contacts API API connecting Zywave accounts/contracts with CRMs and other tools for cleaner workflows.
• BrokerageBuilder API API bridging Zywave's BrokerageBuilder system with other platforms for centralized data and analytics.
• Policies API API for moving policy data between CRMs, AMS, benefits platforms, compliance tools, and carrier portals.
• Producer Agent AI agent that finds, researches, and engages the best prospects automatically, sending personalized outreach whether or not producers log in.
• Advisor Agent AI agent that monitors every account in renewal window, surfaces at-risk accounts, and delivers prioritized action plans to producers.
• Zywave Apex MCP Model Context Protocol server connecting Zywave insurance intelligence directly to AI assistants including Claude, Copilot, ChatGPT, and Gemini.

Quantifiable outcome

• Surfaces renewals 90 days early
• +3 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability9 records

Feature12 records

Partnerships

One partnership is on record.

• Web Connectivity Ltd (WCL)coreTechnology or IntegrationWCL provides connectivity solutions for connecting and standardizing data across accounting, placing, and claims - integrated into Zywave's carrier solutions for streamlined underwriting and data management.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Vertafore: Vertafore is a leading provider of insurance agency management systems (AMS360, Sagitta, BenefitPoint) and rating/quoting tools, directly competing with Zywave's Agency Matrix, TurboRater, and ClarionDoor products across the same agency and brokerage customer base.
• Applied Systems: Applied Systems is one of the largest insurance technology platforms globally, with Applied Epic (AMS), EZLynx (rating/quoting), and Applied CSR24, competing head-to-head with Zywave across agency management, quoting, and carrier connectivity for the same broker and carrier customers.
• Duck Creek Technologies: Duck Creek provides core insurance SaaS for policy administration, billing, and claims to P&C carriers, overlapping with Zywave's ClarionDoor rating/quote/bind workflows and competing for the same carrier-side IT modernization budgets.
• Guidewire Software: Guidewire is the leading core insurance platform for property & casualty carriers (PolicyCenter, BillingCenter, ClaimCenter), competing with Zywave's carrier-side solutions including rating, underwriting, and policy administration workflows.
• Insurity: Insurity is a core insurance SaaS provider offering policy administration, claims, and analytics to P&C carriers, directly comparable to Zywave's carrier-focused products such as ClarionDoor, Loss Insight, and Market Basket.
• EZLynx (a division of Applied Systems): EZLynx is a leading personal and commercial lines rating and quoting platform for insurance agents, directly overlapping with Zywave's TurboRater and Enterprise Quoting products and the same multi-carrier agency workflow.

Emerging players

• Tarmika: Tarmika provides multi-carrier commercial lines quoting workflows for agencies, an emerging direct competitor to Zywave's BrokerageBuilder and Enterprise Quoting tools in the commercial insurance distribution workflow.
• NowCerts: NowCerts offers a cloud-based agency management system focused on comparative rating and carrier connectivity, an emerging alternative to Zywave's Agency Matrix and TurboRater stack, particularly for small to mid-sized agencies.

Broad incumbents

• Salesforce (Financial Services Cloud): Salesforce is a broad enterprise CRM and marketing automation incumbent with Financial Services Cloud for insurance; it competes with Zywave's marketing automation, client engagement, and CRM-adjacent workflows, especially among larger carriers and brokerages.
• HubSpot: HubSpot is a broad marketing automation and CRM incumbent used by many insurance agencies for lead nurturing and content, providing an alternative to Zywave's Marketing Automation and Zywave Websites offerings in the brokerage segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Enquiron