ZestyAI Teams Up With MAP Underwriting

The latest partnership news from ZestyAI;

ZestyAI, the Risk Decision Platform for the insurance industry, has announced MAP Underwriting (Managing Agency Partners), the Lloyd’s of London managing agency, as its first London-market customer.

MAP has selected Z-FIRE, ZestyAI’s wildfire risk model, to enhance how California wildfire exposure is evaluated and managed within its property (re)insurance portfolio.

The partnership marks ZestyAI’s first international expansion and highlights growing global concern from insurers about the impact of wildfires.

Operating Syndicate 2791 at Lloyd’s, MAP is widely respected for its underwriting discipline and technical approach to risk. The firm places exposure analysis at the center of its underwriting strategy, building its own view of risk by synthesizing the most relevant inputs while maintaining a deliberate balance of exposure across its portfolio.

In California, the structural and environmental conditions that drive loss can shift materially across short distances and change faster than broad-scale models can keep up with.  That variability places a premium on the quality and resolution of the underlying data. Traditional models often smooth over these localized differences—introducing uncertainty into how exposure is differentiated and priced.

Z-FIRE addresses this gap by providing a more refined view of wildfire risk—predicting which properties are most likely to experience a wildfire and which are most likely to survive. Using computer vision and machine learning, the model captures how structural and environmental characteristics — defensible space, vegetation density, building materials, and topography — interact at the property level to drive loss outcomes, and is trained on the industry’s largest wildfire loss dataset.

Integrated into MAP’s underwriting framework, this intelligence strengthens its exposure analysis—helping the team more precisely distinguish wildfire risk across California and maintain a more consistent, data-driven understanding of portfolio exposure.

“At MAP, we build our own view of risk and rely on high-quality data that strengthens that perspective,” said Nick Williams, Deputy Active Underwriter at MAP. “Z-FIRE enhances MAP’s view of California wildfire risk with a higher-resolution view that integrates cleanly into our framework and supports more confident decisions across our portfolio.”

“The London market is paying closer attention to wildfire than ever before, and the bar for hazard intelligence underneath that work has risen with it,” said Attila Toth, Founder and CEO of ZestyAI. “MAP is one of the most respected property (re)insurance teams at Lloyd’s, and partnering with them on California wildfire is a meaningful first step in bringing Z-FIRE to the broader London Market.

“This partnership highlights the growing international demand for greater risk intelligence solutions and marks an exciting new chapter for ZestyAI.”