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

Nearmap (9 named carriers) and Zesty.ai (16 named carriers) both sit at the risk imagery layer. 1 carrier appear on both rosters.

Last verified 2026-04-22 · methodology

TL;DR

  • Nearmap has 9 publicly-named carrier deployments; Zesty.ai has 16. Both at the risk imagery layer.
  • 1 carrier run both: Kin Insurance.
  • Generation contrast: Nearmap is modern; Zesty.ai is ai-native.
  • Ownership contrast: Nearmap is PE-owned (Thoma Bravo); Zesty.ai is independently held.
  • Analyst coverage: 0 firms cover both, 2 only Nearmap, 3 only Zesty.ai.

Customer overlap

BucketCount
Named on Nearmap only8
Named on Zesty.ai only15
Named on both1
of which US-named on at least one side1

Overlap roster

Only on Nearmap

  • Arch Insurance (US)
  • Ohio Mutual Insurance Group (US)
  • Allied Trust Insurance Company (US)
  • Frederick Mutual Insurance Company (US)
  • Germania Insurance (US)
  • Stillwater Insurance Group (US)
  • Zurich North America (US)
  • Travelers (US)

Only on Zesty.ai

  • Farmers Insurance (US)
  • California FAIR Plan Association (US)
  • The Cincinnati Insurance Company (US)
  • Amica Mutual Insurance (US)
  • MetLife (US)
  • CSAA Insurance Group (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)
  • …and 3 more on the vendor card.

Counts derived from 26sourced carrier-deployment entries across both vendor cards. Aggregate-only statements (e.g. “16 of the top 20”) excluded.

Stack position

Nearmap
Generation
modern
Stack layer
Risk imagery
Founded
2007
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

Nearmap
Type
private-equity
Parent
Thoma Bravo
Acquired
2022
Deal value
$729M

Source: PR Newswire

Zesty.ai
Type
independent

Source: ZestyAI

Carrier-segment specialization

Nearmap — geographic split

  • US
    9

Zesty.ai — geographic split

  • US
    16

Analyst coverage differential

Only Nearmap cited by
  • Thoma Bravo (2022: Thoma Bravo Completes Acquisition of Nearmap Ltd)
  • Carrier Management (2023: Nearmap Announces Agreement to Acquire Betterview — property-intelligence consolidation)
Only Zesty.ai cited by
  • Insurance Journal (2026: ZestyAI Provides AI-Driven Risk Analytics for Marsh McLennan Agency)
  • 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

Nearmap
  • Individual carrier case studies at the product level are sparse relative to the size of Nearmap's insurance footprint. The platform's reach is real but carrier deployments are described in aggregate ranges rather than by name.
    Source: Nearmap
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 Nearmap and Zesty.ai?
Yes — 1 carrier appear on both rosters: Kin Insurance. Sourced on each vendor card; see the customer-overlap section for primary URLs.
Who owns Nearmap and Zesty.ai?
Nearmap is PE-owned (Thoma Bravo). Zesty.ai is independently held.
Are Nearmap and Zesty.ai the same generation of tool?
No. Phidea classifies Nearmap as modern and Zesty.ai as ai-native. Generation reflects the underlying technology era — legacy is pre-cloud, modern is cloud SaaS with classical ML, AI-native is built around deep learning or LLMs from day one. For carriers picking between them, the generation gap usually matters more than feature comparison.
Which has more named US carriers?
Zesty.ai has the larger publicly-named US roster: Nearmap 9, 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. Nearmap replaces physical pre bind inspection; Zesty.ai replaces regional wildfire risk zones, manual catastrophe underwriting.

Adjacent reading