Decerto Sp. z o.o. Unclaimed

Enhance agent productivity with a comprehensive platform for managing insurance workflows efficiently.

Streamline claims management with automation, enhancing efficiency and delivering timely updates.

Accelerates product launches with no-code rule management and real-time pricing decisions.

Streamline claims processing for faster decisions and improved customer satisfaction.

Automates insurance policy lifecycle management, enhancing efficiency and transparency for insurers.

Streamline commission management with automation for instant payouts and comprehensive reporting.

Real-time fraud detection tools that protect your insurance business and enhance customer experience.

Generate Quick Insurance Quotes to Boost Sales and Enhance Customer Experience.

Empower your customers with 24/7 access to manage policies and claims seamlessly.

Streamlines underwriting processes with rules-based automation for efficient decision-making.

Growth Stage Insurance Carriers And MGAs

Growth-stage insurers and MGAs seeking rapid product launches and unified data.

Independent Agencies And Brokers

Agency networks and brokers seeking cross-carrier quotes, commissions, and agent productivity.

Claims Focused Insurers And TPAs

Claim-heavy insurers and third-party administrators seeking end-to-end claims automation and fraud detection.

Digital insurance platforms for underwriting, policy administration, billing, claims automation, and customer engagement across life and health lines.

End-to-end intake, triage, processing and day-to-day claims handling for property, auto and workers compensation portfolios to accelerate settlement and reduce leakage.

AI-enabled continuous monitoring and automated fraud detection and prevention across CX channels to reduce financial losses while maintaining customer experience.

White-label, multi-tenant platforms and go-to-market enablement to help agencies and resellers package, operate, and monetize agent-based services.

High-performance decisioning and rules management for automated decision logic, integrated rules engines, and scalable rule execution to support compliance and complex decision automation.

Agent Portal

Agent Portal – 360 Agent's Workplace provides agents with quotes, sales, service and renewals across multiple carriers from a single login, with real-time dashboards for visibility and performance across products.

• Streamline Quoting Process
  Agents can quote multiple carriers effortlessly, reducing the time and effort required to compare options and offer clients better choices.
• Monitor Sales Performance Instantly
  Agents and managers can access real-time data, helping them to make informed decisions and track performance against targets proactively.
• Simplify Sales Processes
  With a unified platform, agents can manage sales workflows without switching interfaces, increasing efficiency and client satisfaction.
• Improve Workflow Efficiency
  A single login to access all tools streamlines the workflow for agents, minimizing delays and freeing up time for client engagement.
• Reduce Administrative Load
  Automating routine tasks helps agents focus on high-value activities, enhancing both efficiency and accuracy.
• Optimize Client Management
  Agents can manage and renew policies seamlessly, ensuring clients receive timely communication and service to enhance retention.
• Streamline Client Interactions
  Facilitates a complete view of client interactions, improving service quality and client trust.
• Access Anytime, Anywhere
  Empowers agents to work effectively from any location, adapting to the needs of modern insurance professionals.

Claims Management System

Claims Management System automates the claims lifecycle, offering end-to-end processing, real-time updates, and fraud detection embedded in the workflow to improve efficiency and trust.

• Enhances Claims Processing Speed
  Integrates advanced algorithms to automate repetitive tasks, resulting in faster claims resolution and reduced manual errors.
• Streamlines Claims Lifecycle
  Provides a cohesive framework for handling all claim stages, ensuring consistency and transparency throughout the process.
• Mitigates Fraud Risks
  Utilizes advanced analytics and machine learning to identify and flag potentially fraudulent claims in real-time.
• Improves Customer Communication
  Ensures stakeholders receive immediate notifications throughout the claims processing stages, enhancing customer satisfaction.
• Customizes Claims Operations
  Allows businesses to tailor claims workflows easily, adapting quickly to changing regulations or internal policies.
• Facilitates Efficient Data Processing
  Leverages Optical Character Recognition technology to enhance document processing speed and accuracy.

Higson

Higson is Decerto's proprietary Business Rules Engine and product configurator that enables business users to define pricing, product logic and decisioning without coding. It supports rapid rule updates, multi-state filings, AI model governance and versioning, and integrates with core policy administration systems to deliver real-time decisions and fast pricing.

• Ensures AI Compliance
  Higson validates AI pricing and underwriting models against actuarial guidelines and regulatory standards, maintaining quality and mitigating risk.
• Empowers Business Teams
  Users can create, modify, and manage rules independently, significantly reducing reliance on IT and speeding up product changes.
• Delivers Instant Quotes
  Ensures that even complex pricing scenarios are processed in milliseconds, providing immediate feedback to users and prospects.
• Offers Personalized Pricing
  Higson calculates premiums based on real-time input and customer behavior, allowing insurers to tailor pricing strategies effectively.
• Simplifies Compliance Processes
  Higson manages and documents each state’s regulatory requirements, allowing for efficient multi-state product filings.
• Streamlines Pricing Models
  Allows insurers to maintain consistent pricing across different channels and products, reducing errors and improving user experience.
• Enhances Traceability
  Higson stores all rule versions, facilitating easier audits and compliance checks as well as rollback to previous configurations.
• Tracks Rule Efficiency
  Provides insights through dashboards and reports, helping users understand the impact of their configurations on system performance.

Claims AI System

AI-powered claims system that automates the claims lifecycle, providing end-to-end processing, real-time status updates, and fraud detection integrated into the workflow.

• Enhances Claims Decision Speed
  Utilizes AI to significantly reduce processing times, allowing for faster claims resolution and enhancing customer trust.
• Streamlines Claims Management
  Provides comprehensive management of claims from the initial report to final resolution, ensuring no steps are overlooked.
• Reduces Fraud Risk
  Employs advanced analytics to identify potential fraud at the earliest stages of the claims process, reducing losses.
• Improves Data Accuracy
  Utilizes OCR and NLP technology to accurately extract and categorize information from documents, minimizing errors.
• Provides Transparency to Clients
  Allows policyholders to track their claims progress in real-time, enhancing transparency and satisfaction with the process.
• Ensures Compliance and Oversight
  Combines AI recommendations with adjuster insights, promoting accurate and compliant claims handling.
• Manages Claim Surges Effectively
  Helps insurers handle spikes in claims volume during disasters without overwhelming adjusters.

Policy Administration System

Policy Administration System (PAS) is a core insurance platform for managing policy lifecycles across lines, facilitating automation, scalability, and centralization of data.

• Streamlines Policy Management
  Enables insurers to efficiently manage entire policy lifecycles, reducing manual work and operational delays.
• Ensures Accurate Data Management
  Reduces data chaos, simplifies audits, and ensures users access reliable, up-to-date policy information.
• Build System Module by Module
  Gives flexibility to adopt only necessary modules initially, facilitating easy expansion as business grows.
• Facilitates Secure Transactions
  Ensures timely collections and payments, enhancing cash flow and operational efficiency.
• Enhances Operational Transparency
  Facilitates tracking and auditing of all policy operations, supporting compliance and governance.
• Improves Operational Efficiency
  Adapts processes easily without IT intervention, allowing quick adjustments to evolving business requirements.

Commission Management System

Automates commissions across networks, enabling instant payouts, flexible commission models, and built-in reporting for compliance and performance.

• Reduces Manual Errors
  Eliminates the potential for human error associated with manual commission calculations, ensuring accuracy and efficiency in payments.
• Boosts Agent Satisfaction
  Facilitates immediate payment to agents, thereby enhancing trust and motivation within the sales network.
• Enhances Transparency
  Streamlines compliance tracking and performance monitoring, providing stakeholders with valuable insights into commission structures and payments.
• Builds Trust
  Empowers agents with real-time insights into their earnings, effectively reducing queries and enhancing transparency.
• Adapts to Business Needs
  Allows for customizable commission configurations, accommodating diverse business models and allowing scalability as requirements evolve.
• Maximizes Availability
  Leverages the scalability and reliability of AWS, ensuring consistent access and performance across devices.
• Streamlines Administration
  Reduces administrative burdens for your company, allowing agents to manage their invoicing independently.
• Ensures Data Protection
  Secures sensitive agent and payment information through robust data encryption and access controls.

Anti-Fraud Solution

Detect and prevent insurance fraud in real time with our Anti-Fraud System — powered by machine learning, analytics, and automation. This system is designed to protect legitimate customers while boosting operational efficiency.

• Detects Fraud Instantly
  Utilizes machine learning and behavioral analytics to identify both known and emerging fraud patterns without disrupting legitimate transactions.
• Prevents Financial Losses
  Automates fraud detection and provides actionable insights, reducing case resolution time and allowing teams to focus on complex incidents.
• Creates Holistic Risk Profiles
  Combines internal systems, external databases, and device data to develop a complete, accurate understanding of risk factors.
• Supports Immediate Actions
  Empowers insurance professionals to act swiftly against identified threats, enhancing operational efficiency.
• Evolves with Fraud Threats
  Detection algorithms continuously improve to address increasingly sophisticated fraudulent activities.
• Enhances Investigative Efficiency
  Equips investigators with vital data analysis tools to prioritize and resolve high-risk cases swiftly.

Fast Quote

Fast Quote delivers accurate, personalized offers in minutes, improving conversion and reducing quote abandonment, with strength in personal lines such as auto, home and health.

• Delivers Instant Offers
  Empower agents with the ability to customize quote options based on individual customer profiles quickly.
• Increases Sales
  By providing instant quotes, businesses can close deals faster and improve customer engagement.
• Minimizes Drop-Off Rates
  Ensures a smoother quoting experience, retaining more customers and increasing overall satisfaction.
• Reduces Manual Entry
  Speeds up the quoting process and decreases data entry errors, streamlining operations.
• Enhances Accessibility
  Allows customers to interact and complete quotes via multiple platforms seamlessly.

Self-Service Customer Portal

Self-Service Portal provides a modular, customer-facing insurance platform for policies, claims, and communications, available 24/7 and deployable as a complete solution or with selected features.

• Access Information Anytime
  Provide your clients with a user-friendly portal to manage their insurance needs around the clock.
• File and Track Claims Digitally
  Enable clients to submit claims easily and monitor their status for better transparency and trust.
• Independent Insurance Purchases
  Guide your clients through an efficient buying process from quote to payment.
• Seamless Communication
  Facilitate efficient interactions between clients and support teams to enhance service delivery.
• Real-Time Information Access
  Allow customers to retrieve up-to-date information about their policies without agent intervention.
• Manage Post-Sale Services
  Empower clients with flexible tools to update personal data and enhance their experience with your services.

Underwriting Workbench

Underwriting Workbench provides rules-based decisioning to automatically accept, decline, or refer applications, enabling faster and more consistent underwriting.

• Automates Decision-Making.
  Supports efficient risk assessment by defining clear rules for action based on submission data.
• Increases Decision Consistency.
  Enables consistent application of underwriting rules to ensure fair and accurate evaluations.
• Enhances Workflow Efficiency.
  By leveraging AI, Underwriting Workbench reduces repetitive tasks and focuses underwriters on complex cases.
• Automates Initial Triage.
  By routing submissions automatically, Underwriting Workbench reduces processing time and improves response rates.
• Facilitates Custom Workflows.
  Enables firms to adapt the platform as business needs evolve, ensuring long-term usability.