ZestyAI, a pioneer in AI-driven risk analytics, has launched ZORRO Discover™, an advanced generative AI agent designed to revolutionise the way insurers access regulatory filings and competitive market data.
The insurance industry spends approximately $2.5bn annually on manual reviews of regulatory documents, which often run into thousands of pages across multiple jurisdictions.
These inefficiencies slow down insurers’ ability to analyse competitive pricing, product filings, and compliance requirements, hampering timely decision-making in a highly regulated market.
ZORRO Discover is built on a proprietary generative AI pipeline powered by large language models trained exclusively on insurance-specific content — including state-by-state filings, objections, regulatory responses, and compliance frameworks.
The platform’s agentic AI technology automatically scans, synthesises, and interprets regulatory data, providing insurance professionals with fast, reliable insights tailored to the complex language and structure of insurance filings.
The product enables insurers to conduct plain-language searches across carriers, states, and timeframes, simplifying the review of rate filings, product form changes, and regulatory objections without requiring deep regulatory expertise.
It also translates voluminous filings into concise, executive-level summaries that help compliance, actuarial, product development, and strategy teams make faster, more informed decisions.
ZORRO Discover supports side-by-side comparisons of competitor filings — such as evaluating pricing strategies or risk mitigation discounts in specific markets like Florida — enabling insurers to spot emerging market opportunities and regulatory trends early. The platform’s initial focus is on homeowners insurance, with rapid expansion planned for auto, commercial, and additional insurance lines.
Early users report that ZORRO Discover cuts research time by up to 95%, saving insurers thousands of hours and millions in associated costs. The platform replaces fragmented manual workflows with a consistent, repeatable process that enhances research accuracy and reduces regulatory risk, crucial in today’s competitive insurance landscape.
“For too long, regulatory filings have buried critical intelligence under layers of complexity,” ZestyAI chief product officer Kumar Dhuvur said. “Through years of working closely with regulators, we’ve come to deeply understand these challenges. ZORRO Discover puts that intelligence at insurers’ fingertips so they can act faster, stay compliant, and make smarter decisions in an increasingly competitive market.”
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