Amica Insurance, a US-based provider of auto, home and life cover, has widened its use of ZestyAI’s risk decision platform by adopting ZORRO Discover™, a tool designed to give real-time visibility into rate and form filing activity across the insurance sector.
The move builds on a relationship between the two firms that has grown in stages since 2021, when Amica began using Z-FIRE™ to evaluate wildfire exposure at the level of individual properties.
That scope widened in 2024 with the addition of Z-HAIL™, Z-WIND™ and Z-PROPERTY™, bringing the same property-specific approach to hail, wind and structural risk.
ZORRO Discover™ marks a shift beyond property assessment, pulling Amica into the regulatory research, competitor tracking and filing processes that inform rate and product decisions.
The platform scans and interprets millions of property and casualty rate and form filings, drawing on more than 200 million pages of regulatory material collected over ten years, with every answer linked to its original source.
Designed specifically for the insurance industry, ZORRO’s AI agents are built to interpret filing structures and regulatory nuance, connect findings to carrier market share, and update continuously as new filings are approved, reducing the time spent on manual research by 95%. Amica’s teams are using the tool to get ahead of likely regulator questions before filings are submitted, drawing on precedent that has already won approval.
Three new features have recently been added to the platform. Objection Research pulls from over two million filings to reveal how rival carriers have responded to comparable regulator objections and which wording was ultimately accepted, helping to speed up filing timelines. A watchlist function flags carriers on the day they file a rate change above a chosen threshold, filtered by state, product line or filing type. A separate rate intelligence view brings together approved rate changes by carrier, state and product line in one place, including the associated premium and policyholder impact.
ZestyAI has secured over 200 model approvals from state Departments of Insurance, having filed and defended its own AI models before regulators.
Amica Insurance Vice President, Actuarial State and Product Management Lynn Malloney said, “Understanding what is changing in the market — and how regulators are responding — is essential to making sound product decisions. ZORRO Discover™ gives our teams that context in a fraction of the time, allowing them to focus less on gathering information and more on execution of sound business decisions.”
ZestyAI founder and CEO Attila Toth said, “Amica has spent more than a century taking care of its policyholders, and behind that promise are thousands of decisions that have to be right. Our work together began with a single peril model. Today it informs those decisions across perils, across their entire portfolio — and, with ZORRO Discover™, across how their teams read the whole market. That kind of expansion only happens when the results earn it.”
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