Same category — agentic AI prospecting for commercial insurance. Different buyer, different price, different onboarding motion. Here’s which one fits an independent agency of 1–10 producers.
Zywave just shipped agentic AI prospecting at enterprise pricing — confirming the category. We’re building the same category for the 30,000+ independent commercial agencies that Zywave isn’t structured to serve profitably. They charge $25K–$40K+ per year on multi-year contracts. We charge $828–$2,400 per year, month-to-month. Their AE doesn’t take a meeting with a 2-producer shop in Ohio. We are the only product they can buy on a Tuesday and use on a Wednesday.
10 prospects, no credit card. Honest comparisons from a competitor are rare; we’ll be one.
Zywave AI is not a standalone product you can buy. It is an AI layer that activates on top of Zywave’s existing platform — specifically, on top of (1) miEdge buying-intent signals (a separate Zywave product) and (2) customer data already living in Zywave’s AMS or CRM. To buy Zywave AI, you must already be a Zywave platform customer paying $25K–$40K+ per year on a multi-year contract. There is no “$X/month Zywave AI” SKU.
Prospekteer is a standalone product. Sign up with an email, pay $0–$199/mo, no AMS dependency, no platform commitment, no existing data required. The four agents Zywave is rolling out in Q1 2026 — prospect identification, lead sourcing, research/enrichment, outreach — all four already work in Prospekteer today, against public data, with no platform underneath.
That’s not a pricing difference. It’s a different category of product. Zywave AI is making an existing Zywave platform more valuable to existing Zywave customers. Prospekteer is for the 30,000+ independent commercial agencies that are not Zywave customers and don’t want to become one.
Zywave is the deepest commercial insurance data platform on the market. They claim 4M+ commercial records, 1M+ loss policies, and 30+ years of rating intelligence built into the workflow. If you run a regional brokerage with a procurement team, an AMS contract with Zywave already, and a sales-development org, Zywave AI sits naturally on top of what you already pay them.
Prospekteer is built for the agency Zywave can’t profitably serve. Independent commercial agencies of 1–10 producers. The kind of shop where the owner is also a producer, the AMS is HawkSoft or AgencyZoom or a spreadsheet, and the answer to “can we add another $25K/yr software contract” is “not a chance.” Zywave’s AE genuinely does not take that meeting. We exist for that meeting.
The honest comparison below is built on the dimensions that actually matter when an independent agency is choosing between “sign up for Prospekteer tonight” and “schedule a 45-minute Zywave discovery call.”
Apples-to-apples comparison on the dimensions that matter to an independent commercial agency. Zywave numbers come from public sales materials, customer reports, and reviews — Zywave does not publish pricing.
Loss-data depth. Zywave has 1M+ historical loss policies underpinning their risk scoring. That is a real, unreplicable advantage in any context where actual claim outcomes matter more than public risk signals. We score against NOAA, FEMA, FMCSA, OSHA, MSHA, EPA, and Census — comprehensive across public sources but not loss-history-driven. If your underwriting is loss-data-led, Zywave is the right tool.
Rating intelligence built into the workflow. 30+ years of carrier, line, and state expertise sitting under their AI. We don’t compete here — we surface prospects and prep calls, we don’t rate. For brokerages where the rating layer is a daily input to producer workflow, Zywave is structurally ahead.
AMS-native integration. Zywave owns the agency management system layer for their customers, so the prospecting integrates seamlessly into the rest of the agency’s operations. We are CSV import — fine for a 1–10 producer shop, less ideal for a brokerage running a single enterprise software stack end to end.
Brand recognition. Every commercial insurance professional in the US knows the Zywave name. We’re starting from zero. If you need to defend the choice in a board meeting, Zywave is the safer line item.
10 prospects, full enrichment, no credit card. Sign up tonight, call them tomorrow morning. The fastest way to know whether Prospekteer fits your agency is to use it.
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