Decerto

Core insurance software for carriers and MGAs -- policy administration, underwriting automation, and claims management

Core Administration Established Bootstrapped

Overview

Decerto is a core insurance software provider headquartered in Warsaw, Poland, serving carriers and MGAs across Europe and North America. The company builds policy administration, underwriting automation, claims management, and agent workflow platforms for large commercial insurers in the P&C and specialty segments. Founded in 2006, Decerto focuses on iterative, modular delivery with 20 years of insurance domain experience.

The product portfolio centers on two flagship systems: Agent Portal, an insurance agent workflow platform providing a 360-degree view of agent operations, and Higson, a business rules engine for underwriting automation and dynamic pricing. These are complemented by a full suite of core insurance systems spanning the policy lifecycle -- from quotation to commission to claims -- delivered on-premise and via cloud-native architecture using Kubernetes and Docker, with RESTful API integration.

Decerto serves 40+ enterprise clients across 9 countries and reports coverage of approximately 80% of the Polish insurance market. Named customers include Allianz, Generali, Nationale Nederlanden, BNP Paribas, Everest, and Sompo. The company operates on a bootstrapped basis, with estimated revenue of USD 17.4M, and has won multiple European Insurance Technology Awards in 2024.

Products & Services

Agent Portal

A workflow automation platform for insurance agents that consolidates policy issuance, customer management, and sales tasks into a single interface. Named Best Digital Front End at the 2024 European Insurance Technology Awards and listed in the InsurTech100 by FinTech Global.

Key Features

360-degree view of agent workflows and customer portfolios
Policy issuance and renewal automation
Integration with back-office core systems

Target Users: Insurance agents and agency operations teams at carriers and MGAs

Higson (Business Rules Engine)

A business rules management system for automating underwriting decisions and dynamic pricing. Operates as a standalone rules engine integrating with existing policy administration systems. Also referenced internally as Hyperon.

Key Features

Configurable rule sets for underwriting criteria and pricing tiers
Dynamic pricing computation without code changes
Integration-ready via REST API

Target Users: Underwriters and product managers at P&C and specialty carriers

Policy Administration System (PAS)

A full policy lifecycle management platform covering new business, endorsements, renewals, and cancellations.

Key Features

End-to-end policy processing from quote to issue
Multi-product and multi-line support
Regulatory compliance tooling

Target Users: Carriers and MGAs managing policy operations

Claims Management System

An end-to-end claims processing platform with integrated AI capabilities for automated analysis and fraud detection.

Key Features

FNOL intake and case assignment
Automated claims analysis (90-second analysis for complex claims)
Anti-fraud detection module

Target Users: Claims teams at P&C carriers

Additional Products

Key Features

Commission Management System -- Automated commission tracking and payment processing
Self-Service Customer Portal -- Policyholder-facing policy and claims management
Underwriting Workbench -- Advanced underwriting tools with regulatory compliance features
Fast Quote -- Rapid quotation generation
Operational Data Store System (ODS) -- Enterprise data management and reporting

At a Glance

Founded: 2006
Headquarters: Warsaw, Poland
Employees: 201-500
Funding: Bootstrapped

Category & Focus

Category: Core Administration
Subcategories: Policy Administration Underwriting Workbench Claims Management Business Rules Engine Agent Portal Commission Management
Insurance Verticals: P&C Personal P&C Commercial Specialty/E&S
Target Customers: Carriers, MGAs/MGUs