Cognition+

P&C policy administration and claims platform for mutual insurers

Core Administration Established Privately Held

Overview

Cognition+ is a core policy administration and claims platform for Property & Casualty (P&C) mutual insurers, managed general agents (MGAs), brokers, and their policyholders in Canada. The platform covers the P&C policy lifecycle end to end, including policy administration, claims management, and accounting, and is built primarily for regional and farm mutual insurance companies.

The platform is delivered through Cognition+ Cloud, to which the company completed migrating nearly all of its client base in 2026. It connects to broker management systems (BMS) so agents can transact without leaving their own systems, and it includes the Cognition+ Marketplace, an API-based integration layer that lets insurer clients add third-party insurtech products to the platform. A 2026 addition automates claimant and policyholder data uploads to Ontario's HCAI (Health Claims for Auto Insurance) system for auto claims.

Cognition+ has operated continuously since 1996 and marked its 30th anniversary in 2026. Its client base includes 16 or more Canadian regional and farm mutual insurers. The company reported more than 400% year-over-year growth in profitability in 2026 along with new enterprise client wins, and it was named to Insurance Business's Global 5-Star Technology and Software Providers list for 2026.

Products & Services

Policy

Policy administration module covering quoting, issuance, and lifecycle management for P&C business.

Target Users: Carriers, MGAs, brokers and agents

Claims

Claims management module handling first notice of loss through resolution for P&C carriers and their policyholders.

Target Users: Carriers, claims adjusters, policyholders

Accounting

Accounting and financial reporting module tied to the policy and claims modules, used for reconciliation and reporting.

Target Users: Carrier finance and accounting teams

Policyholder Access

Self-service portal that gives policyholders direct access to their policy and claims information.

Target Users: Policyholders

Online Quoting Solution (OQS)

Online quoting extension for consumers and agents to generate new business faster.

Target Users: Agents, consumers

Broker & Agent Connectivity

Direct connectivity between the Cognition+ Platform and third-party broker management systems (BMS), letting brokers and agents transact without leaving their own systems.

Target Users: Brokers, agents

Cognition+ Marketplace

API-based integration marketplace that lets insurer clients add third-party insurtech products to the platform without a bespoke integration project.

Target Users: Carriers, MGAs

Technical & Business Services

Professional services catalog covering infrastructure support, test-system and data refreshes, custom document creation, system maintenance, best-practices audits, and custom training.

Target Users: Carriers, MGAs, brokers

At a Glance

Founded: 1996
Headquarters: London, Ontario, Canada
Employees: 51-200
Funding: Privately Held

Category & Focus

Category: Core Administration
Subcategories: Policy Administration Claims Management Accounting & Billing Insurtech Integration Marketplace
Insurance Verticals: P&C Personal P&C Commercial
Target Customers: Carriers, MGAs/MGUs, Brokers/Agents, Consumers

Customers

Antigonish Farmers' Mutual Insurance Company
Stanley Mutual
West Wawanosh Mutual
Cayuga Mutual
Grenville Mutual Insurance
SEMutual
Nova Mutual
Bay of Quinte Mutual
Dufferin Mutual
HD Mutual
MutualOne
MM Mutual
Salus Mutual
Maple Mutual

16+ mutual insurers

Similar Companies

Last updated: 2026-08-05