phidea
← All tools

Cape Analytics vs Zesty.ai — Risk imagery for US insurance, 2026.

Cape Analytics (14 named carriers) and Zesty.ai (16 named carriers) both sit at the risk imagery layer. 3 carriers appear on both rosters.

Last verified 2026-04-22 · methodology

TL;DR

  • Cape Analytics has 14 publicly-named carrier deployments; Zesty.ai has 16. Both at the risk imagery layer.
  • 3 carriers run both: Amica Insurance, CSAA Insurance Group, Kin Insurance.
  • Both classified ai-native on Phidea's generation axis.
  • Ownership contrast: Cape Analytics is a subsidiary of Moody's Corporation; Zesty.ai is independently held.
  • Analyst coverage: 1 firm cover both, 1 only Cape Analytics, 2 only Zesty.ai.

Customer overlap

BucketCount
Named on Cape Analytics only11
Named on Zesty.ai only13
Named on both3
of which US-named on at least one side3

Overlap roster

Only on Cape Analytics

  • Hippo Insurance (US)
  • State Auto Insurance (US)
  • The Hartford (US)
  • Cincinnati Insurance (US)
  • State Farm Ventures (US)
  • American Integrity Insurance (US)
  • Mercury Insurance (US)
  • Florida Peninsula Insurance (US)
  • Nephila Advisors (US)
  • AXA-XL (US)
  • State Farm (US)

Only on Zesty.ai

  • Farmers Insurance (US)
  • California FAIR Plan Association (US)
  • The Cincinnati Insurance Company (US)
  • MetLife (US)
  • NEXT Insurance (US)
  • Marsh McLennan Agency (Private Client Services) (US)
  • Kingstone Insurance (US)
  • American European Insurance Group (US)
  • Harford Mutual Insurance Group (US)
  • Horace Mann (US)
  • Southern Oak Insurance (US)
  • Lilypad-Centauri (US)
  • …and 1 more on the vendor card.

Counts derived from 30sourced carrier-deployment entries across both vendor cards. Aggregate-only statements (e.g. “16 of the top 20”) excluded.

Stack position

Cape Analytics
Generation
ai-native
Stack layer
Risk imagery
Founded
2014
Lines
home, commercial
Replaces
physical pre bind inspection
Zesty.ai
Generation
ai-native
Stack layer
Risk imagery
Founded
2015
Lines
home, commercial
Replaces
regional wildfire risk zones, manual catastrophe underwriting

Ownership and corporate context

Cape Analytics
Type
subsidiary
Parent
Moody's Corporation
Acquired
2025

Source: TechCrunch

Zesty.ai
Type
independent

Source: ZestyAI

Carrier-segment specialization

Cape Analytics — geographic split

  • US
    14

Zesty.ai — geographic split

  • US
    16

Analyst coverage differential

Both covered by
  • Insurance Journal · Cape Analytics (2021: Cape Analytics Gains $44 Million in Financing) · Zesty.ai (2026: ZestyAI Provides AI-Driven Risk Analytics for Marsh McLennan Agency)
Only Cape Analytics cited by
  • TechCrunch (2025: Moody's agrees to acquire Cape Analytics — geospatial AI for insurance providers)
Only Zesty.ai cited by
  • Insurance Innovation Reporter (2022: Zesty.ai Raises $33M in Series B Round)
  • Reinsurance News (2023: Aon and Zesty.ai gain approval for AI wildfire model in California)

Recent news (last 12 months)

No news items in the last 12 months for either tool.

Sourced limitations

Cape Analytics

No publicly-sourced limitations recorded on the vendor card yet.

Zesty.ai
  • Zesty.ai is explicitly a catastrophe-peril specialist (wildfire, hail, wind, severe convective storm). Unlike Cape Analytics or Betterview/Nearmap, it is not positioned as a general-purpose structural property-attributes vendor — carriers that need broad roof-condition, pool, and pre-inspection feeds alongside catastrophe scoring typically procure Zesty in parallel with one of those imagery vendors rather than as a replacement.
    Source: ZestyAI
  • Regulatory exposure is concentrated in California and a small number of other states. Z-FIRE's rating-plan adoption depended on the California Department of Insurance's first-of-its-kind AI model approval in June 2021, and subsequent growth has followed state-by-state insurance-department filings — a slower path than unregulated underwriting-only deployments.
    Source: ZestyAI

Limitations published on Phidea are sourced to the underlying citation and reflect what is publicly named — not an exhaustive list. Consult the vendor card for the full record.

Frequently asked

Do any carriers run both Cape Analytics and Zesty.ai?
Yes — 3 carriers appear on both rosters: Amica Insurance, CSAA Insurance Group, Kin Insurance. Sourced on each vendor card; see the customer-overlap section for primary URLs.
Who owns Cape Analytics and Zesty.ai?
Cape Analytics is a subsidiary of Moody's Corporation. Zesty.ai is independently held.
Which has more named US carriers?
Zesty.ai has the larger publicly-named US roster: Cape Analytics 14, Zesty.ai 16. Public-roster size is a coverage signal, not a quality signal — vendors with stronger NDAs may have larger actual US footprints than the public count shows.
Where are these tools positioned in the insurance stack?
Both sit at the risk imagery layer. Cape Analytics replaces physical pre bind inspection; Zesty.ai replaces regional wildfire risk zones, manual catastrophe underwriting.

Adjacent reading