Our Story

Cogitate Technology Solutions, Inc. develops modern and innovative technology products and solutions for the insurance industry. We help insurance companies transform their business models to create a competitive advantage in a time of rapid industry change. Our next-generation technology products and solutions are helping insurance carriers, brokers, MGAs and agents to accelerate digitalization and expand their business.

Cogitate was established in 2012 in Atlanta, Georgia, when insurance industry veterans joined forces with technology experts. The team had a vision to transform the insurance business through technological innovation. Backed by more than 75 years of comprehensive experience and domain knowledge, we have since then designed products specifically for the needs of insurance businesses of every size and in any position within the insurance value chain.

Today, Cogitate partners with insurers to reduce costs, improve operational efficiencies and position insurance companies to provide the best, most modern customer experience so that they become the preferred insurance provider to their customers.

  • location

    Atlanta, Georgia

  • experience

    75 years of comprehensive

  • technology

    Trusted technology partners to insurers of all sizes

And with its rich insurance knowledge and innovative products, Cogitate is quickly becoming the trusted technology partner for many firms throughout the insurance value chain.

Our customers include global, national and regional insurance carriers, MGAs, wholesalers, program managers and retail agents.


Our Vision

Cogitate’s vision is to be a leading insurance technology innovator by developing transformative digital insurance products and service delivery solutions throughout the insurance industry value chain.

Our Vision

Cogitate’s vision is to be a leading insurance technology innovator by developing transformative digital insurance products and service delivery solutions throughout the insurance industry value chain.

  • retention
    Retention Rate
  • customers
    and Counting
  • producer
    Policy transactions
    processed through platform
  • insurance-demand
    Insurance Demand Letters identified by analysing over 2 million documents
  • live
    Project Go-Live

Why Cogitate

  • digital-experience
    Digital experience with existing systems
  • digital-insurance
    360⁰ Integrated Digital Insurance Ecosystem
  • flexibility-of-products
    Flexibility to Choose Your Products
  • modernize-workflow
    Modernize Insurance Workflows
  • future
    Ready for the Future
  • scalable-growth
    Scalable to Support Your Growth
  • omni-channel
    Omni-Channel Insurance

“Our agency is constantly looking for ways to stay ahead of the curve when it comes to technology. Thanks to Cogitate, our agency is now in the palm of our customer's hand 24/7. The many features included in our app has made it a favorite among our customers and has helped us to continue to offer comprehensive support to our customers regardless of what time of the day it is or how near or far they are from one of our agencies. The Cogitate app brings our agency to them.”

Jeff Butler
Able Auto & Cycle Insurance

“Cogitate Digital Insurance solution has enabled us to extend our channel reach. This powerful platform has helped us become more competitive by improving our speed to market & customer experience. Additionally, we have experienced a significant decrease in our cost structure. I highly recommend Cogitate as we’ve experienced their expertise in insurance and technology.”

Diane Boyer
Director of Insurance Operations
Insurance House

“Cogitate Demand Management solution has so many features and benefits. We have significantly enhanced control over attorney demand claims exposure with this software. Demand Management solution helps us to ensure that no demand or a subsequent deadline is missed which can lead to bad faith. This is truly ‘sleep insurance’ for me when it comes to attorney demand letters. It’s an incredibly valuable tool for me as the Claims Vice President.”

Christine Ainsworth
Vice President of Claims
Southern General Insurance Company

“In the rapidly changing insurance industry, insurers are turning to digital business models to stay relevant and competitive. Digitalization of insurance is no longer a differentiator but has become table stakes to fulfil new customer demands. Insurers are looking for modern technologies to build out their digital ecosystem and transform the customer experience - for both channel partners and customers. Critically, these kinds of systems must integrate seamlessly with existing core insurance systems and have pre-integrations with third party data sources and insurance services. Many insurers are looking for a microservices-based architecture to drive flexibility and speed of implementation.”

Karlyn Carnahan
Head - North America Property Casualty

“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. We currently are writing policies for Homeowners and Mobile Home insurance through this platform. It is integrated with our existing systems including AIM and ImageRight. This allows our agents and underwriters to easily access the required information whenever they need. It is full of brilliant features such as ‘Quote in a Minute’, Customer E-signature verification, Post-sale Services workflow and built-in Property Analytics tools. Personal Property insurance platform has quickly become one of the pillars of our digital business initiatives.”

Elena Leming
VP of Personal Lines
Insurance House
Cogitate acquires