San Mateo, California

Overall Rank: 272
Category: Insurtech
Category Rank: 17


ZestyAI offers insurers and real estate companies access to precise intelligence about every property in North America. The company uses AI, including computer vision, to build a digital twin for every building across the country, encompassing 200 billion property insights accounting for all details that could impact a property’s value and associated risks, including the potential impact of natural disasters.

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Key Products

Property Insights

Digital Roof™ utilizes high-resolution aerial imagery to categorize roofs into five condition levels. Insurers leverage roof condition in underwriting and rating, as well as combining condition with other powerful digital roof features for inspection optimization.

Z-PROPERTY™ provides essential parcel, structure, and roof insights with high accuracy, all without stepping on-site.

Z-VIEW™ gives Z-PROPERTY™ users the ability to quickly access property insights for any address or portfolio.


Climate Risk Models

Z-FLOOD™ is a predictive flood risk model that takes property characteristics, such as First Floor Elevation (FFE), into account to accurately assess flood risk for every building.

Z-FIRE™ offers individualized wildfire risk scores for each property based on its unique characteristics.

Z-HAIL™ is the first hail risk model to give insurers insights into a roof’s susceptibility to hail claims and the potential severity of those claims.

Z-WIND™ risk model scores each property for frequency & severity of wind claims.

Key Executives

Attila Toth, Founder & CEO

Attila is a company builder. Prior to founding Zesty.ai he led global sales at C3.ai, an Entreprise AI platform regarded as one of the fastest growing b2b AI startups. As Senior Advisor with McKinsey & Company, Attila helped Fortune 500 companies on growth strategy.

Kumar Dhuvur, Co-Founder and Chief Product Officer

At Capital One Bank, Kumar led the development of credit risk models on 50+ million customers using non-traditional data from outside the credit bureaus. As part of the Risk Management Practice at McKinsey & Company, he advised the leadership of Fortune 500 companies on data analytics and risk management.

John Burega, Chief Revenue Officer

John has 25+ years of Information Technology and Sales experience, including over a decade of helping insurers adopt new technology. He served as EVP, Global Sales at Symbility Solutions Inc. After seeing Symbility through its successful exit, an acquisition by CoreLogic in 2018; he stayed on to architect some of the largest partnerships with leading insurance carriers worldwide.

Customer Insights

“Farmers Insurance today announced it has integrated ZestyAI’s wildfire risk scoring model (Z-FIRE™) into its homeowners insurance underwriting processes — selectively expanding opportunities for coverage for residences located in certain wildfire-risk areas.” – Farmer Insurance Press Release


“If Z-Fire was used to completely re-underwrite Amica’s entire California portfolio, in 2020 Amica would have prevented 95% of its wildfire losses in the state,” said William Pitts, Senior Assistant Vice President, at Amica.


“Our collaboration with ZestyAI is part of Aon’s technological evolution to deliver new products that meet clients’ needs today and tomorrow, in a transparent and efficient way.” – George deMenocal CEO of Aon’s U.S. Reinsurance Solutions


“We’re always looking to deliver even more powerful data and insights for our customers, and ZestyAI’s property analytics platform immediately stood out,” said Julian Grey, executive vice president, Mortgage & Capital Markets Product Management, Black Knight Data & Analytics.