ZestyAI, an AI risk platform, has expanded its partnership with Standard Casualty Company, a manufactured home insurer, as the carrier adopts its ZORRO Discover tool to strengthen regulatory and competitive intelligence.
ZestyAI focuses on delivering AI-powered risk insights to insurers, helping them refine underwriting, pricing and portfolio management. Its platform includes tools such as Z-PROPERTY, Z-FIRE and Z-HAIL, which provide property-level risk analytics. Standard Casualty Company, meanwhile, specialises in property insurance for manufactured homes, leveraging technology to better understand and manage risk across its portfolio.
The partnership between the two firms began in 2024, when Standard Casualty adopted ZestyAI’s underwriting tools to improve property-level risk assessment. In 2025, the insurer expanded its use of Z-PROPERTY to include Roof Age and Wildfire Mitigation Prefill, applying these insights at portfolio level to strengthen its overall view of risk exposure.
With the introduction of ZORRO Discover, the insurer is extending its use of AI beyond underwriting into areas such as rate strategy, competitive benchmarking and state-by-state filing execution. The tool automates the analysis of more than 2m property and casualty rate and form filings, replacing what has traditionally been a manual and time-consuming process.
Historically, insurers have relied on teams to review extensive regulatory documentation across multiple jurisdictions to understand competitor filings. ZORRO Discover streamlines this process by continuously analysing new submissions and regulatory outcomes, enabling insurers to identify trends, benchmark competitors and anticipate regulatory challenges more efficiently.
For Standard Casualty, this is expected to translate into stronger pricing strategies, improved submission readiness and fewer delays caused by regulatory objections. The platform also provides ongoing insights into market shifts, allowing teams to adapt their strategies proactively rather than reacting after competitors have already made changes.
Standard Casualty underwriting director Rick Smith said, “The ZestyAI platform has become core to how we underwrite and manage risk. ZORRO Discover was the natural next step, giving us structured visibility into how the market is moving and helping us strengthen our products and move through filing cycles more efficiently.”
ZestyAI founder and CEO Attila Toth said, “Insurance is quickly moving toward AI as core infrastructure. Standard Casualty has been putting that into practice across their business for years – and with ZORRO Discover, they’re turning market moves and regulator signals into structured intelligence they act on in minutes instead of months.”
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