ZestyAI is on a mission to help insure the uninsurable. In 2024, ZestyAI helped insurers of last resort extend coverage to over 510,000 properties, and in 2025 ZestyAI is looking to double that. As a data integration partner within Cogitate’s ecosystem, ZestyAI’s hazard data supports the new Colorado FAIR Plan, launched in the spring of… Continue reading Ecosystem Partner POV: ZestyAI on Game Changing AI-driven Risk Models
The insurance industry has long been known for its cautious approach to change. But over the last few years, digital transformation has accelerated and leading carriers and MGAs are taking bold steps to partner with insurtech providers. Why? Because staying competitive in today’s market requires more than legacy systems and manual workflows. It requires agility,… Continue reading Why Carriers and MGAs Are Doubling Down on Insurtech Partnerships
Property and Casualty (P&C) insurance operations are complex by nature – spanning underwriting, policy issuance, claims handling, billing, and regulatory compliance. Each stage involves repetitive tasks, manual reviews, data transfers, and human decision-making that, when not optimized, can lead to inefficiencies, errors, and delays. “Anywhere customers are doing repetitive tasks – re-entering data, moving information… Continue reading Top 3 Benefits of Automating P&C Insurance Workflows
Cogitating on insurance Vol. 2, No. 2 Dear Friends, As we pass the halfway mark of 2025, I realize just how fast time is passing! Just a year ago, our AI Agentic Layer initiative was in its infancy. Today, we have implemented AI Agents with early adopters on both DigitalEdge Policy and Claims platforms –… Continue reading Deep Thinking Digest – July 2025
Overview: This guide offers Cogitate’s vision for the AI Agentic Response Layer and practical use cases of AI Agents today, embedded within our DigitalEdge Insurance Platform. You will learn: how embedded AI Agents supercharge digital core platform advantages with intelligent automation and smart insights the benefits Cogitate’s 4 new AI Agents bring to underwriting and… Continue reading Thought-Driven Automation: Leveraging AI Agents for Acceleration in Insurance
We had the pleasure of sitting down with Geri Powell to discuss the recent launch of the Colorado FAIR Plan. During the discussion, Geri shared insightful advice for those who are planning a major tech implementation. Geri, you’ve had an incredible career in large established insurers including CEO of FBAlliance Insurance and before that Executive… Continue reading Customer POV: Bringing private market experience to the launch of Colorado FAIR Plan
Accurately assessing policy risk is both a challenge and an opportunity. Traditional methods of risk evaluation based on historical averages, static models, and manual underwriting no longer meet the demands of modern insurance customers or carriers. Enter artificial intelligence (AI), a transformative tool that’s reshaping how insurers assess risk, analyze data, and make smarter underwriting… Continue reading Future Trends in Use of AI for Policy Risk Assessment and Data Analysis
MGAs have always occupied a unique and valuable place in the insurance distribution ecosystem. Operating at the intersection of insurers and agents, MGAs manage underwriting, distribution, and claims administration for specialty and niche markets. But with the rapid pace of digital transformation, MGAs face growing pressure to deliver faster, smarter, and more efficient services—or risk… Continue reading Why MGAs Need Purpose-Built Technology to Stay Competitive
Rising customer expectations, regulatory complexity, and evolving distribution models make operational efficiency a critical business priority. For insurers looking to reduce costs without sacrificing service quality, insurtech solutions offer a transformative opportunity. Modern insurtech processes are designed not just to automate – but to optimize. From claims to underwriting to policy management, they eliminate inefficiencies,… Continue reading How Insurtech Solutions Reduce Operational Costs for Insurers
Whether you’re an agent working to close a deal or an underwriter trying to process new business efficiently, delays in policy submissions can stunt growth, reduce customer satisfaction, and increase operational costs. That’s why modern insurance organizations are improving the submission process to increase speed, reduce errors, and enhance collaboration. The right digital submission experience… Continue reading Benefits of Streamlining P&C Insurance Policy Submission Process