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Personal Lines

Accelerate profitable business growth with multi-tenant, cloud-native, policy, billing, and claims platforms.

Personal Lines - Cogitate

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Digitalize and Elevate User Experience

Write more business, improve risk selection and pricing accuracy, and reduce premium and claims leakage. All while enjoying the benefits of an elegant, intelligent platform, supported by great people. 

 

Our platform is pre-built with content, workflows, and features to support Personal Lines including:

Key Benefits

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.

Speed submissions

Your agents will love the bespoke, elegant experience.

Rapid Implementation

You'll be quoting the risks you've identified within weeks, under the market conditions you banked on.

Profitable growth

Scale rapidly with level staffing by eliminating manual processes and rekeying of data.

accelerate product offering

Expand to new territories with new products with LCNC tools. We're here to help, but you won't need us.

Reduce Operational Cost

Enhance the efficiency and productivity with no hidden charges and fees, and 'Pay-as-you-grow' model.

Key Benefits

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.

Speed submissions

Your agents will love the bespoke, elegant experience.

Rapid Implementation

You'll be quoting the risks you've identified within weeks, under the market conditions you banked on.

Profitable growth

Scale rapidly with level staffing by eliminating manual processes and rekeying of data.

accelerate product offering

Expand to new territories with new products with LCNC tools. We're here to help, but you won't need us.

Reduce Operational Cost

Enhance the efficiency and productivity with no hidden charges and fees, and 'Pay-as-You-Grow' model

Let's Get Personal

New lines of business, no problem. Configuration of rules, rates, forms, and states for any line is our pleasure.

HOMEOWNERS HO3, HO5, ETC

Personal Auto

Personal Umbrella

Flood

Renters

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

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