DigitalEdge Insurance Platform for Farm Insurance

Cogitate DigitalEdge Insurance Platform for Farm is a modern, unified platform that simplifies underwriting, policy, billing, claims, and distribution management – purpose-built for farm, ranch, and rural risks. Whether launching a new farm program or considering a legacy replacement, Cogitate offers a pre-engineered platform, built in conjunction with Farm insurers to address the complexities and realities of insuring farm and ranch properties. Your rules, rates, forms, and desired user experience are where we focus customizations.

Key features built into the platform include:

Data Access – Your data, and access to third-party data, are both critical for reinsurance reporting. Whether using Cogitate’s dashboards, standard reports, or CAIRA Lens AI query, Cogitate makes sure you and your team can analyze your business – and report on it – to be successful in the marketplace and plan your future.

Advanced Mapping & Satellite Imagery – Visualize farm properties with satellite-level accuracy within the workbench. When you enter an address, the API integration with Google Maps pulls in the map and places a pin at the location, drawing a quarter-mile radius circle around the property. Viewing the entire property, you can adjust the pin manually as desired. Once satisfied, confirm the location, and the system locks and saves the GPS coordinates. This applies to each individual location on the policy.

Pre-Integrated Farm Data Ecosystem – Pre-integrations to property, weather, and hazard data providers include HazardHub, e2Value, OFAC, and Google Maps. The Underwriter Workbench displays the full prefilled data pull for each location – peril scores, fire protection, TIV indicators, and other risk attributes. Choose from a list of best-in-class data providers, or bring a new partner to our ecosystem. As long as APIs are available, we are ready to partner.

Multi-Mortgagee & Loss Payee Management – Map multiple mortgagees and loss payees to individual dwellings, structures, and equipment across complex farm property schedules. Loss payee or mortgagee can be assigned to a specific piece of equipment or structure on the property. Use pre-loaded list of secured parties for name consistency, or add manually. Integrations with partners like Lenderdock and Insvista support the workflows.

Bulk Upload of Property Details – Agent submission is streamlined with templates, making it easy to upload large farm policies with many locations, structures, and equipment. After upload, any record with missing data will be flagged in red to assist the agent. Choose your level of automation based on the rules you require, from the underwriting questions required to the determination of underwriter assignment or straight-through processing.

Configurable for Any Farm Program – Farm Property, Farm Equipment, Ranch & Rural Estates, Homeowners — multi-state, multi-LOB on one platform. With over 500 coverages pre-engineered into the platform, customization focuses on your business model, desired workflow, API partners, rules, rates, and forms. With our Configuration Hub, you have the ability to make future changes with ease.

AI-Powered to Amplify User Experience & Efficiencies – Embedded CAIRA, orchestrates intelligent, automated workflows. From submission intake, to property inspections, to first notice of loss, Cogitate is creating AI agents to support your team across the
policyholder lifecycle.

Download this brief for details!