Standard Casualty Brings Agentic AI to Rate Filings with ZestyAI’s ZORRO Discover™

ZestyAI, the Risk and Decision Intelligence Platform for the insurance industry, today announced that Standard Casualty Company, a specialized property insurer serving manufactured homeowners, is expanding its partnership by adopting ZORRO Discover™, bringing agentic AI to regulatory and competitive intelligence.

Standard Casualty first partnered with ZestyAI in 2024, adopting 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, applying them at the portfolio level to strengthen its view of risk across the book. 

With the addition of ZORRO Discover, the carrier is extending its use of AI across the full product lifecycle, from underwriting precision to rate strategy, competitive benchmarking, and state-by-state filing execution.

Historically, understanding competitor rate filings meant teams manually combing through thousands of pages of regulatory documentation across jurisdictions. ZORRO Discover automates that process, drawing on more than 2 million P&C rate and form filings to help regulatory, actuarial, and product teams spot rate trends, benchmark competitors, and get ahead of potential regulator objections.

For Standard Casualty, that means deeper competitive visibility, stronger pricing strategy, stronger submission readiness, and fewer delays from objection cycles.

Rick Smith, Underwriting Director at Standard Casualty, said: “The ZestyAI platform has become core to how we underwrite and manage risk. 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.”

To support that kind of day-to-day decision making, ZORRO Discover goes beyond traditional research tools. It continuously analyzes new submissions and regulatory outcomes, so teams can track market shifts as they happen and adjust strategy proactively instead of reacting after the competition has already moved.

Attila Toth, Founder and CEO of ZestyAI, said: “Insurance is quickly moving toward AI as core infrastructure. 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.”