Exzeo

Exzeo is an Insurance-as-a-Service platform company founded in 2012 as the technology and innovation division of HCI Group. It builds proprietary software, analytics and data-visualisation tools for property and casualty insurance carriers and agents in the United States, combining in-house insurance expertise with in-house software development.

The company's principal product, the Exzeo Insurance-as-a-Service Platform, is a web-based integrated system spanning algorithmic underwriting, data analytics and core insurance operations. Its components include an intelligent data repository, mapping and geospatial visualisation, quoting, policy administration, underwriting models and end-to-end claims management. WindForm Pro, a second product, helps Florida carriers capture wind-mitigation information and support compliance.

Technical work at Exzeo centres on algorithmic underwriting, data analytics, data visualisation, geospatial mapping, and policy administration and claims systems, applied to modernising carrier operations that are often held back by fragmented legacy infrastructure. Particular emphasis is placed on agile underwriting in response to trends in severe-weather events. The firm has operated in the American market since 2012, with an established presence in Florida.