ZestyAI has announced that Harford Mutual Insurance Group (HMIG) has selected the ZestyAI Platform to strengthen property-level exposure insight across its commercial insurance portfolio. The AI-powered platform provides property intelligence designed to improve exposure visibility and support portfolio resilience.
Harford Mutual Insurance is incorporating verified, structure-level intelligence into its commercial portfolio. This approach supports stronger underwriting discipline while improving visibility into property characteristics that influence loss volatility and overall portfolio stability.
A key component of the platform is ZestyAI’s Roof Age technology. The tool determines verified roof age by cross-validating building permit records with more than 20 years of aerial imagery. It identifies roof-replacement events and assigns confidence scores for 97% of properties in the United States.
In addition, Z-PROPERTY™ evaluates several structural and environmental factors that affect underwriting outcomes. These include roof complexity, roofing materials, roof condition, and surrounding risk factors. Together, these insights provide insurers with more detailed exposure management data at the property level.
“With ZestyAI, we have verified property-level intelligence that changes how we evaluate and manage risk,” said Wayne Gearhart, Senior Vice President and COO of Harford Mutual Insurance Group. “The platform improves our visibility into exposure across the portfolio and supports disciplined, resilient growth in our commercial book.”
ZestyAI leadership noted that the platform supports insurers seeking more accurate property-level insights for risk assessment.
“Harford Mutual Insurance 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,” said Attila Toth, Founder and CEO of ZestyAI. “By grounding decisions in verified property-level intelligence, its team is strengthening underwriting discipline, enhancing portfolio resilience, and setting a strong example for how regional carriers can leverage trusted AI to navigate today’s risk environment.”
ZestyAI also works closely with regulators to maintain transparency and model oversight. The company validates and continuously monitors its AI-driven models and has secured more than 200 regulatory approvals nationwide. These approvals include markets served by Harford Mutual Insurance across the Mid-Atlantic and South.
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