# Decerto

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

## At a glance

| Field | Value |
| --- | --- |
| Category | Core Administration |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Warsaw, Poland |
| Founded | 2006 |
| Stage | Established |
| Employees | 201-500 |
| Funding | 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

## Category & focus

- 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

## Notable customers

- Allianz
- Generali
- Nationale Nederlanden
- BNP Paribas
- Everest
- Sompo
- Warta \(HDI/Talanx Group\)
- Vienna Insurance Group
- Unum

## Links

- Website: <https://decerto.com>
- Directory profile: <https://insurtechlist.com/companies/decerto/>
- Blog: <https://www.decerto.com/us/insights>
- About: <https://www.decerto.com/about>
- Linkedin: <https://www.linkedin.com/company/decerto>
- Press/news: <https://www.decerto.com/us/news>

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*Last updated: 2026\-05\-17*