ZestyAI, a risk and decision intelligence platform serving the insurance industry, has signed partnerships with two U.S. regional insurers, Harford Mutual Insurance Group and American European Insurance Group. The deals are aimed at strengthening property-level underwriting across both carriers’ portfolios.
Both insurers will use ZestyAI’s platform to assess risk at the individual structure level. The system combines computer vision, machine learning, aerial imagery, building permit records, and verified property data.
The goal is tighter underwriting judgment, stronger pricing alignment, and better control over exposure concentration as regional books expand.
Harford Mutual, which writes business across the Mid-Atlantic and Southern markets, adopted ZestyAI’s Roof Age and Z-PROPERTY models for its commercial portfolio.
The Roof Age model compares building permit data with more than 20 years of aerial imagery to identify roof replacement activity.
It also assigns confidence scores across 97% of U.S. properties. Z-PROPERTY evaluates roof complexity, construction materials, physical condition, and nearby risk factors.
AEIG, which operates in New Jersey, New York, Pennsylvania, Maryland, Massachusetts, New Hampshire, Rhode Island, Nevada, and Arizona, selected a broader group of models. Its lineup includes Z-WATER, Z-HAIL, Z-WIND, and Z-PROPERTY.
These models examine how property features, environmental conditions, and peril behavior interact to predict claim frequency and claim severity at the individual property level.
Harford Mutual senior vice president and chief operating officer Wayne Gearhart said the platform gives the company verified property-level intelligence that changes how it evaluates and manages risk. He said the system improves visibility into portfolio exposure and supports disciplined, resilient growth across the commercial book.
AEIG president and chief executive officer Steve Hartman said the company needs consistent property-level insight as it operates across states with very different exposure profiles. He said ZestyAI gives AEIG the precision to match underwriting and pricing with expected loss performance, support agent partners with greater transparency, and preserve disciplined growth.
As we operate across states with varied exposure profiles, we need consistent, property-level insight into what drives losses across wind, hail, and non-weather water.
Steve Hartman, AEIG president and CEO
ZestyAI gives us the precision to align underwriting and pricing with expected loss performance, support our agent partners with greater transparency, and maintain disciplined growth,” Hartman said.
He also said corporate experience alone is no longer enough to compete intelligently in a crowded market, and the ability to use both traditional and nontraditional data in underwriting and pricing is now required for sustained profitability.
Corporate experience alone is no longer sufficient to intelligently compete in a crowded marketplace, and the ability to leverage both traditional and non-traditional data in best-in-class account underwriting and pricing is a requirement for sustained profitability.
ZestyAI founder and chief executive officer Attila Toth said regional insurers are trying to balance expansion with discipline in how they evaluate property risk.
He said Harford Mutual applies that approach through a long-standing focus on agents and policyholders, starting with accurate property-level risk assessment. He added that AEIG is applying the same principle across a broad multistate portfolio.
According to Beinsure analysts, carriers using verified property-level intelligence tend to improve underwriting discipline, strengthen portfolio resilience, and make faster pricing decisions in a more volatile risk environment.
