Regional Insurers Turn to ZestyAI to Strengthen Property-Level Intelligence Across Diverse Markets

San Francisco, CA - 12 March 2026: As insurers expand across regions with increasingly diverse risk profiles, regional carriers are increasingly using advanced analytics to strengthen property-level intelligence and improve underwriting discipline. 

Two insurers operating across multiple US states - Harford Mutual Insurance Group and American European Insurance Group (AEIG) - are today announcing partnerships with ZestyAI, the Risk and Decision Intelligence Platform for the insurance industry, to enhance exposure visibility and portfolio resilience through verified, structure-level insight.

Regional insurers operating across multiple states must navigate an ever more complex mix of weather patterns, building characteristics, and regulatory environments. Traditional underwriting signals often lack the precision needed to fully understand the drivers of loss volatility across diverse portfolios.

By applying computer vision and machine learning to aerial imagery, building permits, and verified property data, ZestyAI enables insurers to evaluate property risk at the individual structure level. These insights help carriers refine underwriting decisions, improve pricing alignment, and better manage exposure concentration across expanding regional portfolios.

Harford Mutual Insurance Group has selected the ZestyAI Platform to enhance property-level exposure insight across its commercial portfolio serving markets across the Mid-Atlantic and South.

The insurer is adopting ZestyAI’s Roof Age and Z-PROPERTY™ models to ground its book in verified, structure-level intelligence. Roof Age cross-validates building permit records with more than 20 years of aerial imagery to detect roof replacement events and assign confidence scores across 97% of U.S. properties. Z-PROPERTY™ further evaluates roof complexity, materials, condition, and surrounding risk factors that materially influence underwriting outcomes and exposure management.

Wayne Gearhart, Senior Vice President and COO of Harford Mutual Insurance Group said: “With ZestyAI, we have verified property-level intelligence that changes how we evaluate and manage risk. The platform improves our visibility into exposure across the portfolio and supports disciplined, resilient growth in our commercial book.”

American European Insurance Group (AEIG) has selected a suite of ZestyAI models to enhance underwriting, pricing, and exposure management across its property portfolio spanning states including New Jersey, New York, Pennsylvania, Maryland, Massachusetts, New Hampshire, Rhode Island, Nevada and Arizona.

Through the ZestyAI platform, AEIG has adopted models for non-weather water (Z-WATER™), hail (Z-HAIL™), wind (Z-WIND™), along with Z-PROPERTY™ to deliver property-level risk insight. These models analyze the interaction between property characteristics, environmental conditions, and peril behavior to predict claim frequency and severity at the individual property level, helping the insurer align underwriting and pricing with expected loss performance while managing exposure across diverse markets.

Steve Hartman, President and CEO of AEIG said: ““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. 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.  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.”

Attila Toth, Founder and CEO of ZestyAI, said:“Regional insurers like Harford Mutual Insurance Group and American European Insurance Group are balancing expansion with the need to stay highly disciplined in how they evaluate property risk. Harford Mutual has a long history of doing what’s right for its agents and policyholders, and that starts with understanding risk accurately at the property level, while AEIG is applying the same principle across a highly diverse, multi-state portfolio. By grounding underwriting and pricing decisions in verified property-level intelligence, both organizations are strengthening underwriting discipline, improving portfolio resilience, and showing how regional carriers can leverage trusted AI to navigate today’s risk environment.”