(Image source: Standard Casualty Company homepage.)
Standard Casualty Company (New Braunfels, Texas) has expanded its deployment of ZestyAI (San Francisco) analytics tools with the addition of ZORRO Discover, extending its use of artificial intelligence into rate strategy, competitor analysis and regulatory filing workflows.
Rick Smith, Underwriting Manager, Standard Casualty.
Standard Casualty, which specializes in manufactured housing coverage, previously implemented Z-PROPERTY, Z-FIRE and Z-HAIL for property-level underwriting. In 2025, the carrier expanded its use of Z-PROPERTY to include Roof Age and Wildfire Mitigation Prefill capabilities at the portfolio level.
With the addition of ZORRO Discover, the company is extending use of artificial intelligence tools across underwriting, pricing, competitive benchmarking and filing management processes.
Standard Casualty says the platform is designed to automate analysis of property/casualty rate and form filings, helping actuarial, regulatory and product teams evaluate pricing trends, benchmark competitor activity and identify potential regulatory issues before submission.
Historically, insurers have relied on manual review of filing documents across multiple jurisdictions to analyze competitor filings and regulatory activity. The company says the platform continuously analyzes filing submissions and regulatory outcomes to support more current market intelligence.
“The ZestyAI platform has become core to how we underwrite and manage risk,” comments Rick Smith, Underwriting Director, Standard Casualty. “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.”
Additional platform capabilities include:
Attila Toth, CEO, Zesty.ai.
- ZORRO Discover: Competitive intelligence and regulatory filing analytics using property/casualty rate and form filings
- Z-PROPERTY: Property-level underwriting analytics
- Z-FIRE: Wildfire risk assessment
- Z-HAIL: Hail risk assessment
- Roof Age: Roof condition and age analytics for underwriting and portfolio management
- Wildfire Mitigation Prefill: Pre-filled mitigation data supporting wildfire risk evaluation
“Insurance is quickly moving toward AI as core infrastructure,” says Attila Toth, Founder and CEO, ZestyAI. “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.”
Standard Casualty says the expanded deployment is intended to support underwriting, pricing and regulatory workflows across the insurance product lifecycle.
Standard Casualty Adopts ZestyAI for Manufactured Home Coverage