The AI that knows
insurance & grows it.
Rating intelligence. Proprietary insurance data. Loss analytics. Activated by Agentic AI to drive organic growth for the agencies and brokers that run on Zywave.
Generic AI companies entered insurance with large language models and no insurance data. Zywave started with something they can't buy: 30+ years of rating expertise, the industry's deepest commercial insurance data, and loss analytics at scale — then built AI on top of it.
Get product updates, industry insights, and practical resources from Zywave delivered straight to your inbox.
Generic AI companies entered insurance with large language models and no insurance data. Zywave started with something they can't buy: 30+ years of rating expertise, the industry's deepest commercial insurance data, and loss analytics at scale — then built AI on top of it.
Get product updates, industry insights, and practical resources from Zywave delivered straight to your inbox.
15,000+ companies, including all top 100 U.S. insurance firms use Zywave
WHY ZYWAVE AI IS DIFFERENT
Three things generic AI doesn't have.
Rating intelligence. Insurance data. Loss analytics. Combined in the only AI platform built from the ground up for insurance growth.
Any AI vendor can describe "AI for insurance." Only Zywave can describe what it's actually built on.
The foundation is the advantage — and it took 30 years to build.
The foundation is the advantage — and it took 30 years to build.
Quote faster. Win more.
Rating Intelligence
Zywave's rating engine covers more carriers, lines, and states than any competitor — delivering accurate quotes in minutes, not hours. AI learns from rating patterns to surface the coverage combinations most likely to win and retain clients.
Trusted by 15,000+ insurance organizations,
including 80+ of the top 100 U.S. brokers.
Know your prospect before you call.
Commercial Insurance Data
The industry's deepest commercial insurance intelligence — 4M+ company records, 85M household profiles, broker-switching signals, and firmographic data that generic AI tools simply cannot access. Built for insurance. Not retrofitted to it.
4M+ commercial company records · 85M household profiles
Turn losses into conversations.
Loss Analytics
Zywave's loss intelligence surfaces OSHA violations, loss trends, and coverage gaps across your book and your prospect universe — giving producers the insight to walk into every meeting as a trusted risk advisor, not a vendor.
Loss data covering 1M+ policies,
benchmarked by industry, size, and geography.
No generic AI vendor has all three.
Zywave does — integrated, purpose-built, and activated by
Agentic AI to drive organic growth.
EARLY ADOPTER RESULTS
What insurance intelligence looks like in practice.
These aren't efficiency gains. They're growth outcomes — from agencies that replaced manual prospecting with Agentic AI built on 30+ years of insurance data.
4x
faster meeting setting
with AI-powered
outreach
with AI-powered
outreach
15%
organic growth without
adding headcount
adding headcount
182%
productivity
improvement in
Agentic AI programs
improvement in
Agentic AI programs
80%
faster producer
ramp time
ramp time
THE AI THAT WORKS ALL WEEK - SO PRODUCERS CAN CLOSE ALL DAY
What Zywave AI looks like on a Monday morning.
Your producers walk in with qualified meetings already set — sourced, researched, and outreached by Agentic AI that ran through the weekend. They spend their day building relationships and advising clients on risk. Not searching for leads.
Step 1 — Identify
Prospect Identification Agent
Your best-fit prospects, surfaced from 4M+ commercial insurance records.
Northern VA IT Consultancies
Southeast Manufacturing
Healthcare Mid-Market
Build Prospect List →
View Segments
Step 2 — Score
Lead Sourcing & Scoring Agent
Every contact ranked by buying intent — renewals, broker changes, growth signals.
Review Contacts
246 contacts
HIGH
Innovatech Solutions
HR Manager
HIGH
Nexus IT Group
Dir. of Benefits
MED
Datasphere Consulting
Comp. Analyst
LOW
Synergy IT Partners
HR Relations Mgr
View Results
Step 3 — Research
Research & Enrichment Agent
Loss history, OSHA data, and coverage gaps — compiled before your producer picks up the phone.
Commercial Lines Research Brief
ZYWAVE
Innovatech Solutions · 11/24/2025
12
OSHA recordable incidents · Rate 2.4× industry avg · Exp. mod: 1.18
Risk & Coverage Gaps
No Umbrella policy detected
Cyber coverage — unverified
Broker & Renewal Signals
Broker changed 90 days ago
Renewal window: 60 days out
View Results
Step 4 — Outreach
Outreach & Optimization Agent
Personalized sequences built on each prospect's actual risk exposure — not their industry category.
Initial Email
Follow-up 1
Follow-up 2
Sub
Innovatech had 12 OSHA recordable incidents last year
Hi Alice,
Companies with a similar OSHA incident rate have reduced their experience mod by 18% after switching brokers. With your renewal 60 days out, now is the right time for a fresh look at your program.
Launch Sequence →
View Results
Step 5 — Optimize
Analytics & Intelligence Layer
See what's working. Know who's warming up. Your pipeline, always visible.
Sequence Analytics
LIVE
Open Rate
38%
+12% vs. prior qtr
Warming Up
31
Clicked, no reply
Sequence
Open
Click
Signal
IT Consult.
44%
18%
Hot
Healthcare
37%
12%
Active
Retail Mid
29%
7%
Paused
✨ AI Rec
6 contacts clicked but didn't reply — consider a targeted follow-up.
View Analytics
FEATURED SOFTWARE
Introducing Zywave AI
The AI Producer Agent connects Zywave's marketing automation, miEdge data, Loss Insight, AMS integrations, and proprietary content into a single agentic interface that executes tasks across systems - so producers don't have to.
Prospect Identification Agent
Your ideal prospects, surfaced from 4M+ insurance company records.
AI analyzes your book of business to build Ideal Customer Profiles — then matches them against the industry's deepest commercial insurance database. Broker-switching signals, renewal windows, firmographic fit. Not a search. A signal.
What it does:
- Scans your book of business and finds common patterns across your best accounts
- Builds AI-recommended ICPs based on industries, employee count, revenue range, and NAICS codes
- Lets you create your own ICPs via a structured form or conversational guide
- Segments contacts into targeted groups of 250 or fewer, organized around buying signals like upcoming renewals and recent broker changes
Lead Sourcing & Scoring Agent
Lead Sourcing & Scoring Agent
Matches your ICPs against the industry's deepest commercial insurance database — 4M+ company records — to surface real, verified contacts, then scores each one based on buying intent signals like upcoming renewals, recent broker changes, and hiring activity.
What it does:
- Pulls verified contacts from 4M+ commercial insurance records that match your ICP criteria
- Scores each contact HIGH, MED, or LOW based on renewal timing, broker changes, and growth signals
- Surfaces the most time-sensitive opportunities at the top of your list
- Lets you review, filter, and confirm your prospect list before moving to research
- Passes a clean, prioritized contact list directly to the Research & Enrichment Agent
Research & Enrichment Agent
Every lead enriched with loss history, OSHA data, and risk benchmarks before you reach out.
A Research Brief is automatically generated for every prospect — covering broker change history, compliance exposure, OSHA violation data, coverage gaps, and recent business events. Your producer arrives as an advisor, not a cold caller.
What it does:
- Combines commercial insurance data with AI-driven internet research for each company
- Surfaces OSHA violation history, loss trends, renewal windows, and broker change signals
- Identifies coverage gaps and risk exposure context specific to each prospect
- Compiles findings into a branded, downloadable Commercial Lines Research Brief
Outreach & Optimization Agent
Personalized sequences built on each prospect's actual risk exposure — not their industry category.
Every subject line and message references real details: this company's OSHA violations, their upcoming renewal window, their recent broker change. No templates. No generic openers.
What it does:
- Writes a fully personalized, multi-email sequence for every contact using their Research Brief
- References real details from research: OSHA history, broker changes, renewal timelines, growth signals
- Every email is fully editable before it goes out — adjust tone, add a personal note, or change the CTA
- Client protection built in: sequences never send to contacts marked as clients
Analytics & Intelligence Layer
See What's Working. Know Who's Warming Up.
The Sequence Analytics dashboard tracks opens, clicks, bounces, and engagement signals across every active campaign. AI-generated recommendations surface adjustments to improve future performance. Your pipeline is visible — across every producer, every sequence, every prospect stage — in one place.
What it does:
- Tracks opens, clicks, bounces, and engagement trends across all active sequences
- AI-generated recommendations surface what to adjust to improve future performance
- Gives managers full visibility into every producer's pipeline activity
- When producers leave, their pipeline stays — sequences and history remain with the agency
- Powered by Marketing Automation and the AI Recommendations Engine
WHY ZYWAVE AI IS DIFFERENT
Built for the insurers & brokers
who value client relationships.
Every sequence runs with full broker control and client protection built in.
Client Protection
Sequences never send to contacts marked as clients.
Your relationships stay protected at every step, automatically.
Automatic Stop
If a contact becomes a client mid-sequence,
all future emails stop immediately —
no manual intervention required.
Manual Override
Stop outreach for any individual at any time
from the Sequence Dashboard.
Full control, always one click away.
Full Editing Control
Every AI-generated email is editable before launch —
nothing sends without your review.
Customizable Voice
Upload your best emails so the AI learns your tone,
style, and preferred structure.
The more you share, the sharper it gets.
THE FULL PLATFORM
One foundation. Every growth lever.
Zywave AI isn't one product. It's rating intelligence, commercial data, and loss analytics — activated by AI across every workflow your agency runs.
Find & Win New Business
AI identifies your best-fit prospects from 4M+ commercial insurance records, enriches every lead with loss and risk data, and launches personalized outreach — automatically. Producers walk in with meetings already set.
Retain & Grow Your Book
AI surfaces at-risk clients before they leave — flagging coverage gaps, upcoming renewals, and competitor activity. Your producers stop chasing and start advising.
Quote Faster. Win More.
Zywave's rating intelligence covers more carriers, lines, and states than any competitor. AI learns from your winning quotes to surface the coverage combinations most likely to close.
TRUSTED BY THE INDUSTRY
Built on 30 years of insurance expertise.
Proven across 15,000+ organizations.
Zywave AI isn't one product. It's rating intelligence, commercial data, and loss analytics
— activated by AI across every workflow your agency runs.
— activated by AI across every workflow your agency runs.
- Data
- Process
- People
- Experiences
- Ecosystems
Other Companies
Zywave recognized as a Leader in The Forrester Wave™: Insurance Agency Management Systems, Q4 2025
Highest scores in Vision, Innovation, and Roadmap.
2025 Winner • Global Excellence Awards
Most Innovative InsurTech Company 2025 - USA
"TurboRater API is a Game-Changer for Rapid Scaling"
Over 100 Verified Reviews
on G2
on G2
AI POWERED ECOSYSTEM + INTELLIGENT INTEGRATIONS
Integrate Zywave AI-powered insurance software with your tech stack.
Connect Zywave solutions with your core systems and the tools you already use. AI enhances every integration - syncing data, automating workflows, and driving smarter decisions across your business.
ZYWAVE'S PERFORMACE MULTIPLIER PORTFOLIO
The insurance software suite powered
by AI at every layer.
Addressing the realities of modern insurance, Zywave brings together data, automation, and
AI embedded at every layer to support every role across the insurance ecosystem.
AI embedded at every layer to support every role across the insurance ecosystem.
Loss Insight
Access over one million loss records to identify patterns, assess exposure, and strengthen risk models. This extensive collection of public-domain data provides real-world insight into cybersecurity, Directors & Officers (D&O), Employment Practices Liability Insurance (EPLI), and excess casualty losses—helping you make better-informed decisions.
miEdge
Bring insured and broker insights together with DOL and OSHA data to understand risk and compliance at a glance. Powerful filters and seamless Salesforce and Microsoft Dynamics integrations keep everything in your workflow.
Market Basket
Use millions of anonymized insurance quote records to price with confidence and create competitive insurance products. Scheduled, state-segmented reports deliver the up-to-date data you need for smarter risk modeling.
TurboRater
Instantly compare options from multiple carriers using built-in underwriting rules to deliver the right coverage at the best price. Reduce duplicate entry, minimize errors, and quote faster in the industry’s #1 personal lines quoting platform.
Group Benefits Quoting API
Accelerate small group quoting with instant, accurate benefits data from 100,000+ plans across 1,000+ carriers nationwide. Streamline workflows, improve client outcomes, and grow your small group business.
MGA Hub
Simplify E&S quoting by viewing carrier appetite, rates, and bindable options in one place. Using this solution, you will eliminate manual searches, speed up binding with one-click data sharing, and gain performance insights through dashboards that track premiums, volume, and top offices and insurers.
CUSTOMER CASE STUDIES & TESTIMONIALS
Hear what our customers have to say.
These quotes are from real early adopter interviews - agency owners, producers, and COO's
across commercial lines, employee benefits, and specialty practices.
across commercial lines, employee benefits, and specialty practices.
$100M
Premiums Issued
Digital Quoting / Personal Lines
"24,000 policies written in one year through our Zywave-powered online quoting experience."
50+
States Quoted
Benefits Quoting & Efficiency
“We can run and send quotes the same day - small group quotes under 50 take less than an hour - and we’ve been genuinely impressed with how much smoother and faster our quoting process is"
100%
More Efficient Renewals
Brokerage Efficiency
"The system is very intuitive, and there isn’t a lot of training required - even for admin users."
NEED
ROI in 6 months
Personal Lines
"Within six months we had the volume to pay for the API. It pays for itself quickly."
NEED
Industry-Specific Prospecting
Content Cloud & miEdge
"The fact that you can drill in to learn different types of businesses or categories or class codes - and dig deep on specific topics - is valuable to me as a client advisor."
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Stay Ahead With
Expert insights on all things insurance.
Explore expert-led research and best practices tailored to brokers, MGAs, and carriers.
Analyst Recognition
Zywave Named a Leader in Insurance Agency Management Systems
AI Virtual Event
Transforming Insurance Workflows with Agentic AI
Webinar Series
Market Pulse Webinar Series
Webinar Series
Powering Growth Webinar Series
Risk & Compliance
2026 Cyber Risk Insights Conference
April 22 | London, UK
Risk & Compliance
2026 Cyber Risk Awards
June 11 | New York, NY
Agentic AI
AI Producer Agent Info Sheet
Strategic Planning
2026 Insurance Planning Guide
Cyber Quoting
Cyber Quoting Carrier List
Personal Lines Carriers
TurboRater Carrier Map
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FREQUENTLY ASKED QUESTIONS
Common questions. Straight answers.
Covering Zywave AI, prospecting, rating intelligence, client retention, and everything in between.
Zywave AI Platform
Zywave AI is the only agentic AI platform built on
insurance-native intelligence — combining 30+ years of rating
expertise, 4M+ commercial insurance records, and loss analytics
at scale to drive organic growth for insurance agencies and
brokers. It finds your best prospects, researches them
automatically, writes personalized outreach, and sets meetings
— so your producers spend their time closing, not searching.
Generic AI tools are built on large language models with no
insurance-specific data. Zywave AI is built on three things they
can't replicate: rating intelligence covering more carriers,
lines, and states than any competitor; the industry's deepest
commercial insurance data platform with 4M+ company records and
broker-switching signals; and loss analytics covering more than
1 million policies. No generic AI vendor has all three — Zywave
does, integrated and purpose-built for insurance growth.
Agentic AI means AI that takes action — not just answers
questions. Zywave's AI agents work autonomously to identify
prospects, conduct research, write personalized outreach, and
set meetings, all without a producer lifting a finger. Where
traditional AI tools require a human to prompt and review every
step, agentic AI runs the full workflow end to end.
Zywave AI drives organic growth in three ways: it finds better
prospects by matching your ideal client profile against the
industry's deepest commercial insurance database; it arms
producers with richer intelligence — loss history, OSHA data,
broker-switching signals — before every conversation; and it
automates personalized outreach at scale so your pipeline grows
without growing your headcount.
Zywave AI draws on three proprietary data sources that generic
AI vendors cannot access: rating intelligence from Zywave's
commercial lines rating engine; commercial insurance data
covering 4M+ company records, 85M household profiles, and
broker-switching signals; and loss analytics covering more than
1 million policies benchmarked by industry, size, and geography.
Zywave AI works with your existing AMS data — no IT setup, no
API configuration required. Most agencies are running their
first AI-powered sequences within days of onboarding. The
platform is designed for producers and agency owners,
not developers.
AI Prospecting & Outreach
AI prospecting for insurance brokers is an automated workflow
that uses artificial intelligence to identify your best-fit
prospects, score them by buying intent, research each company,
and generate personalized outreach. Zywave AI combines your
book of business data with 4M+ commercial insurance records and
AI-driven research to surface the right leads at the right time
— and set meetings automatically.
No. Client protection is built in at every step. Sequences
never send to contacts marked as clients. If a contact becomes
a client while a sequence is running, the system automatically
stops all future emails for that contact immediately. You can
also manually stop outreach for any individual at any time.
Yes. Every AI-generated email is fully editable before it
sends. You can adjust tone, add a personal note, change the
call-to-action, or rewrite any section. You can also train the
AI on your own best-performing emails so it learns your voice,
style, and preferred structure.
Zywave's Analytics view tracks opens, clicks, bounces, and
engagement trends across every active sequence. You can use the
built-in AI chat assistant to ask natural language questions —
"Which contacts clicked but didn't reply?" or "What was the top
subject line this week?" — and get immediate answers without
building a report.
Rating & Quoting
Commercial lines rating software automates the process of
generating accurate insurance quotes across multiple carriers,
lines, and states from a single platform. Zywave's rating
engine covers more carriers and lines than any competitor —
delivering quotes in minutes instead of hours and reducing the
manual re-entry that slows producers down.
Zywave AI learns from your historical rating patterns to surface
the coverage combinations most likely to win and retain clients.
Instead of manually comparing carrier options, producers receive
AI-ranked recommendations based on fit, price competitiveness,
and account history — cutting quote time and improving
close rates.
Yes. Zywave is built to connect with the AMS platforms your
agency already runs on. Data flows between your AMS, rating
engine, and AI workflows without manual exports or re-entry.
Most agencies are fully connected within days — no IT project
required.
Retention & Platform
Zywave AI continuously monitors your book of business for
at-risk signals — coverage gaps, upcoming renewals, competitor
activity, and loss trends. Producers are alerted before a
client becomes vulnerable, giving them time to re-engage as a
trusted advisor rather than chasing a cancellation.
Broker-switching signals are data indicators that a commercial
account has recently changed or is likely to change its
insurance broker — including policy changes, filing activity,
and renewal timing. Zywave's commercial insurance data platform
tracks these signals across 4M+ company records, surfacing the
highest-intent prospects for your producers before a competitor
gets there first.
An insurance agency management system (AMS) is software that
helps agencies manage the full client lifecycle — from
prospecting and quoting to policy management, renewals, and
client service. Zywave's AMS solutions connect seamlessly with
AI, rating, and data tools so every workflow runs from a
single platform.
Zywave AI standardizes the prospecting and outreach playbook so
new producers don't have to build it from scratch. AI-generated
research briefs, personalized email sequences, and ICP-driven
lead lists give new producers the same intelligence advantage
as your most experienced reps — from day one. Early adopters
have cut producer ramp time from 18 months to 90 days.
Yes. Zywave's benefits administration platform helps brokers
deliver a modern enrollment experience for employer clients —
including online enrollment, carrier connectivity, and
compliance tools. It connects to the same data and AI
foundation as the rest of the Zywave platform, giving
benefits-focused agencies a unified view of every client
relationship.
No. Zywave serves agencies of all sizes — from independent
producers to 80+ of the top 100 U.S. brokers. Smaller teams
use AI to punch above their weight without adding headcount,
while enterprise brokers use it to standardize workflows and
give managers full pipeline visibility across every producer.