(Image source: Mutual Capital Group website.)
Mutual Capital Group (Wyalusing, Pa.) has selected ZestyAI (San Francisco) property analytics for underwriting, pricing and inspection decisions.
The deployment will support Mutual Capital Group companies Tuscarora Wayne Insurance Company, Keystone National Insurance Company and Lebanon Valley Insurance Company, according to a ZestyAI statement. The companies will use ZestyAI’s property analytics platform to bring real-time, property-level intelligence into personal and commercial lines underwriting operations.
Mutual Capital Group is adopting two ZestyAI solutions. Z-PROPERTY evaluates roof complexity, materials, condition and surrounding risk factors that influence loss potential and underwriting outcomes. Roof Age delivers verified roof age by cross-validating building permit records with more than 20 years of aerial imagery, identifying roof replacement events that traditional records may miss and assigning a confidence score to each property.
“Getting accurate, property-level data on roof quality, roof age, hail exposure, and wind risk without relying solely on physical inspections is a significant operational advantage,” comments Bruce White, AVP, Senior Commercial Lines Underwriting Officer, Mutual Capital Group. “ZestyAI gives our underwriters the verified intelligence they need to evaluate every risk with greater consistency and confidence. It also allows us to direct physical inspection resources more strategically, focusing on the policies that need them most.”
Comprehensive Approach to Property Analytics
“Mutual Capital Group recognized the value of adopting a comprehensive approach to property analytics,” comments Attila Toth, Founder and CEO, ZestyAI. “We’re proud to support their underwriting teams with trusted insights that help sharpen risk selection, align pricing with exposure, and strengthen overall portfolio performance.”
Mutual Capital Group is a property/casualty insurance organization that includes Tuscarora Wayne Insurance Company, Keystone National Insurance Company, Lebanon Valley Insurance Company and Illinois Casualty Company, among other entities. Through its regional insurance companies, the organization provides personal, commercial, farm and specialty insurance.