TruStage partners with ZestyAI on AI-driven property risk analytics

December 22, 2025

TruStage, a financially strong insurance and financial services provider serving middle-market consumers and businesses, has partnered with ZestyAI, a Risk and Decision Intelligence Platform for the insurance industry, to deploy advanced commercial property analytics solutions across its underwriting operations.

TruStage provides insurance and financial services guided by a people-first philosophy, supporting individuals and organisations with products designed to help them make confident financial decisions throughout different stages of life.

Under the agreement, TruStage will implement a suite of ZestyAI’s property risk analytics models, including Z-HAIL, Z-FIRE and Z-PROPERTY. These solutions are designed to deliver detailed insights during commercial property underwriting, enabling insurers to better understand exposure to climate-driven perils at an individual property level rather than relying on broader geographic averages.

Z-HAIL is an AI-powered climate risk model that predicts the frequency and severity of hail claims for every property in the US by analysing climatology, geography and structure-specific characteristics such as roof condition and accumulated damage. Z-FIRE complements this by providing a predictive wildfire risk model built on decades of insurer loss data, while Z-PROPERTY applies computer vision and machine learning to aerial and satellite imagery to generate insights for more than 150 million residential and commercial properties.

In addition, TruStage will use ZestyAI’s Wildfire Mitigation Pre-Fill solution to support compliance with California’s new wildfire mitigation requirements.

ZestyAI CEO Attila Toth said, “Global insured catastrophe claims are expected to top 100 billion dollars again this year, driven increasingly by secondary perils like hail and wildfire. By using AI‑driven, property‑specific intelligence instead of coarse territory‑level averages, TruStage can price risk more precisely, respond to California’s new wildfire mitigation requirements, and better protect its commercial policyholders.”