Exzeo Group, Inc.: insider trades · United States · SEC (Form 4)

About Exzeo Group, Inc.

Exzeo Group, Inc. is a U.S.-based insurance technology company listed on the NYSE under the ticker XZO. For investors, it should be viewed primarily as a vertical software and services platform for property and casualty (P&C) insurers, with a strong focus on the homeowners insurance market. The company was originally launched inside HCI Group as an internal technology and innovation division before being reorganized into a standalone company and taken public in November 2025. Its operational headquarters are in Tampa, Florida, United States. ([investors.exzeo.com](https://investors.exzeo.com/?utm_source=openai)) Exzeo’s business model centers on a proprietary “Insurance-as-a-Service” platform designed to digitize and automate core insurance workflows. Its solutions span quoting, underwriting, policy administration, claims handling, data analytics, and financial reporting. In practical terms, the platform helps carriers improve pricing accuracy, streamline operations, and make better underwriting decisions using integrated data and workflow tools. Management emphasizes that the platform is internally built, which can support tighter product control, faster iteration, and deeper integration across the insurance value chain. ([investors.exzeo.com](https://investors.exzeo.com/?utm_source=openai)) From a competitive standpoint, Exzeo is positioned as a specialized provider rather than a broad horizontal software vendor. Its differentiation appears to come from its focus on P&C carriers, its concentration on the homeowners segment, and its ability to onboard new carrier partners onto a single operating platform. That specialization may matter in insurance, where regulatory complexity, claims discipline, and underwriting precision are key operating advantages. ([investors.exzeo.com](https://investors.exzeo.com/?utm_source=openai)) Recent developments point to a business that is still in an early public-market growth phase but already showing operating traction. Exzeo completed its IPO in November 2025 on the NYSE. It then reported full-year 2025 and first-quarter 2026 results that showed higher revenue, stronger pre-tax income, and growth in managed premium. Management also disclosed the addition of a sixth insurance company in Q4 2025 and a seventh insurance company in Q1 2026, indicating continued customer expansion and platform adoption. HCI Group, Exzeo’s controlling shareholder, has described the listing as part of a broader effort to unlock shareholder value. ([nasdaq.com](https://www.nasdaq.com/press-release/exzeo-group-inc-announces-closing-initial-public-offering-2025-11-06?utm_source=openai)) Geographically, Exzeo’s footprint is still primarily U.S.-centric, reflecting its roots in the domestic homeowners and P&C insurance market. For French-speaking investors, the investment case is best understood as a combination of insurance software, embedded services, and platform economics, with growth tied to carrier adoption, product expansion, and the broader modernization of insurance operations in the United States. ([investors.exzeo.com](https://investors.exzeo.com/?utm_source=openai))