Exzeo is the technology and innovation division of HCI Group, founded in 2012 to address operational challenges within the group's insurance business. The company builds and operates an Insurance-as-a-Service platform for United States property and casualty insurance carriers and agents, combining proprietary software development with insurance-domain expertise.
The platform is a web-based system built around an intelligent data repository, mapping and geospatial visualization, data analytics, and data-visualization tooling. Functional coverage spans quoting, policy administration, underwriting models with algorithmic underwriting, and end-to-end claims management software. Alongside the core platform, Exzeo produces WindForm Pro, a specialized solution that helps Florida carriers capture wind-mitigation information and support compliance. Work across the stack reflects an emphasis on modernising legacy carrier systems and on underwriting that responds to severe-weather event trends.
Exzeo operates in the United States, with particular activity in Florida, serving insurance carriers, agents, underwriting, and claims-management functions. Technical domains of note include data analytics, data visualization, geospatial and mapping visualisation, algorithmic underwriting, policy administration and claims software, and web-based platform development.
