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Datos Impact Award 2024

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Top Insurtech Company 2024

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Insurtech 100

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Enterprise-rich Features at SaaS Pricing

DigitalEdge Policy, Billing, and Claims platforms are available independently or in combination for a fully integrated suite. For a modular approach, our platforms seamlessly integrate with your existing technology and solutions.   

Our commitment to delivering outstanding digital experiences, intuitive tools, seamless integration with a growing ecosystem of partners, and continual innovation at CogitateLabs brings award-winning results. Learn more about our technology.
Cogitate Enterprise-rich Features
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AI & Analytics

Our platform’s rich features and reporting are enriched by AI and data analytics to offer intelligent insights to your business teams. Detailed reporting provides full transparency for confident decision-making with real-time insights.

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Adaptive Api

DigitalEdge Insurance comes pre-integrated with over 60 third-party data and solution providers. Cogitate’s proprietary Adaptive API technology ™ offers seamless integrations with virtually any system and data source, so you can easily work with best-in-class solutions.

User Experience

The intuitive, elegant user experience is consistent across our platform. Unify your team’s experience through seamless integrations, modern UI, intelligent insights and AI assistance.

Low code no code

Make market adjustments in real-time with Cogitate’s Configuration Hub – low tech, elegant tools for real impact. Whether responding to a new opportunity or risk, Configuration Hub gives your business teams the tools to change rules, rates, forms and territories at a moment’s notice.

Who We Serve

We serve P&C insurance Carriers, MGAs, and Program Administrators across personal, commercial, and specialty lines. Our base platform is rich with pre-built content, and easily tailored to meet your unique business model and coverages. 

CARRIERS

Whether replacing your legacy system or launching a new initiative, you'll gain enterprise-rich features designed for high efficiency and exceptional user experience. Rapid implementation, scalability, and continuous innovation are our promise.

MGA

The intelligent platform is designed to speed response time and accelerate growth. Delight your distribution partners with ease of use. Streamline submission, eliminate backlogs, and capitalize on market opportunities.

PROGRAM ADMIN

The power of a carrier platform, tailored for you with features to rapidly address market conditions and meet your growth goals.

PERSONAL LINES

Leverage our technology to speed submissions, accurately price your risks for adequate coverage, and accelerate claims processing. Profitable business and happy customers, guaranteed.

COMMERCIAL LINES

Meet your growth opportunities with technology that supports digital distribution, complex underwriting, and claims processing infused with AI, data science, and ecosystem partners. We make it great to work with you and for you.

SPECIALTY LINES

Enjoy the benefits of a powerful platform with modern architecture designed to increase operational capacity without additional overheads, enable speed to market, and support rapid growth.

Why We Are Better Together

Cogitate DigitalEdge Insurance Platform is powering peak performance and fueling growth with innovative products – delivered on time, on budget, zero risk.

100% implementation success

Agile approach to visioning, innovation, piloting and launching capabilities in partnerships with customers has won highest praise from our 100% referenceable customers.

speed of implementation

Our commitment to modern architecture and LCNC tools has paid off. We're launching new clients in 8-10 weeks.

100% Customer retention

You'll be in good company with a user group that refers to us as their partners.

innovative mindset

20%+ of our workforce is dedicated to research, innovation and product enhancements with a concentration in AI and Data Science, within CogitateLabs.

fueling growth

Post implementations, our customers consistently boast exponential growth without adding to cost structure.

solution advisory

Rich insurance and technology heritage uniquely position us to provide better solutions to unique problems. We speak insurance.

Our Customers Are Proud of Their Growth

We invite you to explore the opportunity to gain efficiencies and manage growth. Moving from manual to digital workflows frees up capacity for your teams and allows growth with level staffing. Learn more about our rapid implementation and customer experiences.

You Are in Good Company

In just 3 months, the team quoted 72% of the previous year’s total volume with no increase in headcount. This would equate to an annualized 200% increase in our volume capacity. We would not be where we are today if not for Cogitate.

Geoffrey Crater
President of Treaty Oak General Agency

We are very excited about working with Cogitate. Their innovative digital platform will further strengthen our ability to offer an unmatched channel partner and end-user customer experience. Also, this technology offers straight-through processing with built-in workflows for Underwriter approvals which will make it easy for our channel partners and customers to do business with us.

Brian Foley
Vice President, Personal Lines Practice Leader | RPS

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 | Celent

The speed of implementation with Cogitate’s DigitalEdge Policy and DigitalEdge Billing, surpassed our expectations, enabling our new Homeowners Program launch embedded in the home sales experience of large home builders.

Jai Prakash
CIO Embark

Partnering with Cogitate is another step toward our long-term goal of digital transformation. We are pleased to work with a technology vendor that truly understands the needs of the modern independent MGA. As the insurance distribution landscape changes, so do the needs of our agents. We are committed to putting our agents first; adopting software which increases the value that we add to our role in the industry, speeds turnaround time and enhances the customer experience.

Todd Wood
President, New England Excess Exchange

As we began to implement Cogitate Claims, we were not only greatly impressed with the quality of the solution, and its flexibility; but also the deep working knowledge and professionalism of Cogitate’s entire team. The strength of the Cogitate team was not only in their technical knowledge in software development and integration but their knowledge of claims and the claim handling process.

Jeffrey Lopata
EVP, COO PMIC

Several of our friends in the business use the Cogitate solution. They highly recommended Cogitate for their industry expertise, solution capabilities and their friendly team who work with the customer to solve their issues. Our new claims system engages users throughout the claim lifecycle. It is helping our team to reinvigorate claims processes to improve customer experience, increase efficiency, and reduce operational cost. It is pre-integrated with various third-party data services and also with our other internal systems for real-time exchange of information.

Patrick Concannon COO
Traders Insurance

Cogitate Demand Management solution has so many features and benefits. We have significantly enhanced control over attorney demand claims exposure with this software. DemandAssist 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 SGIC