Zywave

Zywave is an insurance technology firm built around three proprietary data assets that took 30 years to accumulate: a commercial lines rating engine covering more carriers, lines, and states than any competitor; a commercial insurance database of 4 million-plus company records with broker-switching signals; and loss analytics spanning more than one million policies. These are not licensed from third parties. They are owned, and that ownership distinction matters when evaluating what any AI layer built on top of them can actually do. For a family office evaluating insurance broker relationships or assessing the insurtech tools their incumbent brokers use, Zywave sits at the infrastructure layer of commercial insurance distribution.

The platform's primary buyers are insurance agencies, brokers, MGAs, and carriers, not family offices directly. Zywave's agentic AI automates the full prospecting and outreach cycle for insurance producers:

• Prospect identification from 4 million-plus commercial records matched against ideal client profiles
• Lead scoring by buying intent signals including renewal timing and recent broker changes
• Automated research briefs covering OSHA violations, coverage gaps, and loss history
• Personalized multi-email outreach sequences tied to each prospect's actual risk exposure
• Sequence analytics with AI-generated recommendations for pipeline optimization

Family offices that self-insure, run captive structures, or oversee insurance procurement for operating businesses may encounter Zywave indirectly through their broker relationships. Zywave is recognized as a Leader in the Forrester Wave for Insurance Agency Management Systems, Q4 2025, and serves more than 15,000 organizations including all top 100 U.S. Insurance brokerages. Pricing is not publicly disclosed. The platform has no stated family office or private wealth offering, and buyers outside the insurance distribution channel will find limited direct applicability.

• Automated prospect identification and lead scoring for insurance producers
• Research enrichment with loss history, OSHA data, and coverage gap analysis
• Personalized outreach sequence generation and campaign management
• Commercial lines rating and multi-carrier quoting
• Book of business retention monitoring and at-risk client identification
• Agency management system operations for commercial, personal, and employee benefits lines

• AI Prospect Identification Agent matching book-of-business patterns to 4M+ commercial records
• Lead Sourcing and Scoring Agent ranking contacts by buying intent signals
• Research and Enrichment Agent generating branded Commercial Lines Research Briefs
• Outreach and Optimization Agent writing personalized multi-step email sequences
• Sequence Analytics Dashboard with AI-generated performance recommendations
• TurboRater personal lines comparative rating platform
• Group Benefits Quoting API covering 100,000+ plans across 1,000+ carriers
• Loss Insight with access to 1 million-plus loss records
• miEdge commercial insurance intelligence with DOL and OSHA data integration
• MGA Hub for E&S quoting with carrier appetite and bindable options

Built for Advisors / Wealth Advisors (RIA).

Professional services team, product implementation support, ongoing education, outsourced services, phone support

Most agencies operational within days of onboarding; no IT setup or API configuration required