Harford Mutual Insurance Group and American European Insurance Group are deploying analytics from ZestyAI to improve property-level risk insight across multi-state portfolios.

Harford Mutual has adopted ZestyAI models to evaluate roof age, materials, condition and surrounding risk factors across its commercial portfolio in the Mid-Atlantic and South.

AEIG is using models to analyse wind, hail, non-weather water and property characteristics across its portfolio in multiple states.

Attila Toth, founder and CEO of ZestyAI, said: “Regional insurers like Harford Mutual Insurance Group and American European Insurance Group are balancing expansion with the need to stay highly disciplined in how they evaluate property risk. Harford Mutual has a long history of doing what’s right for its agents and policyholders, and that starts with understanding risk accurately at the property level, while AEIG is applying the same principle across a highly diverse, multi-state portfolio.

“By grounding underwriting and pricing decisions in verified property-level intelligence, both organisations are strengthening underwriting discipline, improving portfolio resilience, and showing how regional carriers can leverage trusted AI to navigate today’s risk environment.”

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