Future Ready. Digital
Insurance, Accelerated.

We help property and casualty insurance providers prepare for their future growth as changing customer demographics emerge. Over seventy-five years of insurance knowledge and experience combined with our superior technology talent, gives us the ability to create innovative digital insurance software.

Modern, Components-based Software for Your Insurance Business

Create a competitive advantage for your business with our modular software products. Quickly and easily integrate our cutting-edge solutions with existing legacy systems. Modernize technology platforms to provide a seamless digital experience for your customers. Invite channel partners to a common software platform and add digital channels to serve new customer segments. Our solutions ensure client readiness and relevance as the insurance industry transforms.


Insurance Carriers

Cogitate’s next-generation insurance solutions are helping insurance carriers in multiple aspects of their business. Our web and mobile solutions enable insurance carriers to improve their distribution, go to market faster and reach more customers to increase their business.

Our Artificial Intelligence and Machine Learning (AI-ML) based claims and insurance analytics software empowers insurance carriers to make informed business decisions, reduce losses in claims and drive higher sales by analyzing partner performance.

Wholesalers and MGAs

By digitalizing their offerings, wholesalers and MGAs can empower their channel partners to greatly improve customer service experience. Simplify agency management by providing retail agents with on-demand access and insight into revenue reports, commission statements and more.


Cogitate Digital Insurance

Cogitate Digital Insurance is a platform for carriers, wholesalers, MGAs and program administrators to transform their business. This platform can integrate all the channel partners and customers into a digital insurance ecosystem that enhances existing channels and adds new digital channels. It allows insurers to compete more effectively by increasing speed-to-market time and expanding into new territories.

Cogitate Digital Insurance platform helps you quickly adapt to and service the evolving needs of modern-day customers. It encompasses the entire policy life cycle from Rate, Quote to Bind and Issuance to Post-sales Services like endorsements, renewals and cancellations.

Elena Leming
VP of Personal Lines
Cogitate Digital Insurance has helped us to digitalize our personal property lines business and build an omni-channel ecosystem for our channel partners to connect with us seamlessly.

Cogitate Distribution Management

Cogitate Distribution Management solutions help insurance carriers effectively manage and monitor the performance of their distribution channels. The self-service features of the Producer Portal reduce incoming service requests by providing agents with on-demand access to relevant business and policy information such as commission statements, revenue details and policy documents.

Digitalization of the new agent appointment process significantly reduces the time and effort needed in expanding the agent network. Additionally, it provides real-time access to the sales performance details of the organization and its channel partners. Reports on regional sales and yearly and monthly performance with comparisons, carriers and lines of business are available at your fingertips.

Diane Boyer
Director of Insurance Operations
Cogitate Distribution Management has enabled us to extend our channel reach and placed us ahead of the competition.

Cogitate Intelligent Claims

The futuristic Cogitate Intelligent Claims solutions include attorney demand management, fraud detection and analysis, and FNOL through web and mobile. Powered by AI and ML algorithms, our claims solutions help insurance carriers overcome various risks in claim settlement.

Demand Management solution identifies attorney demand letters and keeps track of important due dates and negotiations with the claimant’s attorney. The fraud detection solution helps identify multiple fraudulent parties and their interconnections, and provides a fraud score early in the claim life cycle. Online FNOL eases claim reporting for the customer and also reduces the time and effort spent by CSRs.

Christine Ainsworth
Vice President of Claims
Cogitate Demand Management solution is helping us to ensure that no demand or a subsequent deadline is missed, that could lead to bad faith.


Insurance House Built an Omni-channel Ecosystem with Cogitate DigitalEdge

Insurance House Built an Omni-channel Ecosystem with Cogitate DigitalEdge

Watch Elena Leming, VP - Sales & Personal Lines, Insurance House as she speaks about how Cogitate Digital Insurance has helped Insurance House to digitalize their personal property lines business and build an omni-channel ecosystem for their channel partners and customers to connect with them seamlessly.

Watch Cogitate Digital Insurance in Action for Personal Property Lines

Watch Cogitate Digital Insurance in Action for Personal Property Lines

Cogitate Digital Insurance provides carriers, MGAs, wholesalers and program managers with modern ways of conducting business. Learn how you can offer exceptional customer experience coupled with an quick and easy way to manage the entire policy life cycle.

SGIC Identified Demand Letters Worth $2.4 Million
Case Study

SGIC Identified Demand Letters Worth $2.4 Million

Southern General Insurance Company (SGIC) faced issues with slippages in identifying attorney demand letters. There were multiple cases of demands being missed by adjusters that led to bad faith claims.

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Tushar Bholé
joins Cogitate as EVP