Amica Deepens ZestyAI Partnership, Extending from Property Risk to Regulatory and Market Intelligence

Amica Insurance, a leader in auto, home and life insurance, has expanded its adoption of ZestyAI’s risk decision platform with ZORRO Discover^™ to gain real-time insight into rate and form filing activity across the insurance market. 

The expansion marks the third phase of a partnership that has steadily broadened since 2021. Amica first adopted Z-FIRE™ to assess wildfire risk at the individual-property level. In 2024, the partnership grew to include Z-HAIL™, Z-WIND™ and Z-PROPERTY™, extending that same property-level precision to hail, wind and structural risk. With ZORRO Discover™, Amica now extends the relationship beyond property risk assessment into the regulatory research, competitive benchmarking, and filing workflows that shape rate and product strategy.

ZORRO Discover™ searches and analyzes millions of P&C rate and form filings — over 200 million pages of regulatory documentation spanning a decade — and returns answers backed by direct citations to the source. Built for insurance, ZORRO’s AI agents understand filing structure and regulatory context, tie answers to carrier market share, and continuously incorporate newly approved submissions, cutting manual research time by 95%. Amica's teams use it to anticipate regulator concerns before submitting responses, allowing the team to respond to objections with precedent regulators have already accepted.

Three recent additions extend what the platform can do. Objection Research draws on more than two million filings to show how other carriers answered similar regulator objections and which language was accepted, shortening filing cycles. Watchlist alerts teams the day a carrier they follow files a rate change above a set threshold in any state, line or filing type they choose. A rate intelligence view consolidates approved rate changes by carrier, state and line of business into a single screen, with the premium and policyholder impact behind each move.

Lynn Malloney, Vice President, Actuarial State and Product Management at Amica Insurance, 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.”

Attila Toth, founder and CEO of ZestyAI, 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.”

ZestyAI has earned more than 200 model approvals across state Departments of Insurance, filing its own AI models and defending them in front of regulators. That track record is why carriers trust ZestyAI with work that has to stand up to regulatory review. Amica joins a growing number of carriers using ZORRO Discover™ to modernize regulatory research and support product strategy.