# Decerto Sp. z o.o. *Also known as Decerto* - Website: https://www.decerto.com - Location: Dallas, TX, United States - Agent profile: https://directory.haycion.ai/agents/decerto-com > Decerto is a global insurance software company delivering AI-enabled, modular platforms. Decerto is a software company that builds insurance technology platforms and AI-powered tools to help insurers, MGAs, brokers, and agents modernize operations. It emphasizes modular, cloud-ready architectures, data quality, security, and scalable deployment to support rapid product launches and omnichannel data access. Through integrated data management, automation, and analytics, Decerto helps organizations unify information, streamline workflows across policy administration, underwriting, claims, and customer engagement, and accelerate digital transformation. The company serves clients across Europe and North America and offers flexible engagement models and proven delivery methods. **Mission:** To accelerate insurers' digital transformation by delivering secure, scalable software that enables data-driven decision making, streamlined operations, and superior customer experiences. ## Products & Services ### [Agent Portal](https://www.decerto.com/eu/agent-portal) *Product* Enhance agent productivity with a comprehensive platform for managing insurance workflows efficiently. - **Quoting Across Multiple Carriers** — Streamline Quoting Process - **Real-Time Dashboards and Analytics** — Monitor Sales Performance Instantly - **Selling Across Multiple Carriers** — Simplify Sales Processes - **Unified Access with a Single Login** — Improve Workflow Efficiency - **Automation of Sales and Post-Sales Processes** — Reduce Administrative Load - **Servicing and Renewals Across Carriers** — Optimize Client Management - **Comprehensive Policy Management** — Streamline Client Interactions - **Mobile-Ready Interface** — Access Anytime, Anywhere ### [Claims Management System](https://www.decerto.com/eu/post-sale-claims-services-module) *Product* Streamline claims management with automation, enhancing efficiency and delivering timely updates. - **Automation and AI-assisted processing** — Enhances Claims Processing Speed - **End-to-end claims journey management** — Streamlines Claims Lifecycle - **Fraud detection integrated in workflow** — Mitigates Fraud Risks - **Real-time status updates** — Improves Customer Communication - **Configurable claims management workflows** — Customizes Claims Operations - **Intelligent document intake (OCR)** — Facilitates Efficient Data Processing ### [Higson](https://www.decerto.com/eu/higson-product-configurator) *Platform* Accelerates product launches with no-code rule management and real-time pricing decisions. - **AI Model Governance** — Ensures AI Compliance - **Higson Studio for No-Code Rule Management** — Empowers Business Teams - **Real-Time Decisioning** — Delivers Instant Quotes - **Dynamic Pricing** — Offers Personalized Pricing - **Multi-State Filing Compliance** — Simplifies Compliance Processes - **Tariff Calculation** — Streamlines Pricing Models - **Versioning** — Enhances Traceability - **Performance Monitoring** — Tracks Rule Efficiency ### [Claims AI System](https://www.decerto.com/eu/claimsai) *Product* Streamline claims processing for faster decisions and improved customer satisfaction. - **AI-assisted processing** — Enhances Claims Decision Speed - **End-to-end claims journey management** — Streamlines Claims Management - **Fraud detection integrated in workflow** — Reduces Fraud Risk - **Intelligent document intake** — Improves Data Accuracy - **Real-time status updates** — Provides Transparency to Clients - **Adjuster-in-the-loop decision** — Ensures Compliance and Oversight - **Catastrophe handling support** — Manages Claim Surges Effectively ### [Policy Administration System](https://www.decerto.com/eu/insurance/policy-administration-system) *Product* Automates insurance policy lifecycle management, enhancing efficiency and transparency for insurers. - **End-To-End Policy Lifecycle Management** — Streamlines Policy Management - **Centralized Data Repository** — Ensures Accurate Data Management - **Modular Architecture** — Build System Module by Module - **Automated Payment Processing** — Facilitates Secure Transactions - **Event-Driven Architecture** — Enhances Operational Transparency - **Configurable Workflow Management** — Improves Operational Efficiency ### [Commission Management System](https://www.decerto.com/eu/commission-management-system) *Product* Streamline commission management with automation for instant payouts and comprehensive reporting. - **Automated Commission Calculations** — Reduces Manual Errors - **Instant Payouts** — Boosts Agent Satisfaction - **Built-in Reporting** — Enhances Transparency - **Real-Time Transparency** — Builds Trust - **Flexible Commission Models** — Adapts to Business Needs - **Cloud Infrastructure (AWS)** — Maximizes Availability - **Self-Service Invoicing** — Streamlines Administration - **High Level of Security** — Ensures Data Protection ### [Anti-Fraud Solution](https://www.decerto.com/eu/insurance/anti-fraud-solution) *Product* Real-time fraud detection tools that protect your insurance business and enhance customer experience. - **AI-Powered Fraud Detection** — Detects Fraud Instantly - **Fraud Prevention Tools** — Prevents Financial Losses - **Comprehensive Risk Assessment** — Creates Holistic Risk Profiles - **Real-Time Decision Making** — Supports Immediate Actions - **Continuous Learning Models** — Evolves with Fraud Threats - **Analyst-Friendly Tools** — Enhances Investigative Efficiency ### [Fast Quote](https://www.decerto.com/eu/insurance/fast-quote) *Product* Generate Quick Insurance Quotes to Boost Sales and Enhance Customer Experience. - **Rapid Personalized Offers** — Delivers Instant Offers - **Higher Conversion** — Increases Sales - **Reduced Quote Abandonment** — Minimizes Drop-Off Rates - **Seamless Data Sourcing** — Reduces Manual Entry - **Omnichannel Experience** — Enhances Accessibility ### [Self-Service Customer Portal](https://www.decerto.com/eu/insurance/self-service-customer-portal) *Product* Empower your customers with 24/7 access to manage policies and claims seamlessly. - **24/7 customer self-service** — Access Information Anytime - **Claims application module** — File and Track Claims Digitally - **Sales application module** — Independent Insurance Purchases - **Communication channel module** — Seamless Communication - **Information source module** — Real-Time Information Access - **Other services application** — Manage Post-Sale Services ### [Underwriting Workbench](https://www.decerto.com/eu/insurance/underwriting-workbench) *Product* Streamlines underwriting processes with rules-based automation for efficient decision-making. - **Underwriting Process Support** — Automates Decision-Making. - **Rules-Based Decisioning** — Increases Decision Consistency. - **AI-Powered Automation** — Enhances Workflow Efficiency. - **Automation for Triage** — Automates Initial Triage. - **Open & Extensible Architecture** — Facilitates Custom Workflows. ## Market Segments - **Insurance administration and policy management** (market size $7.4B, CAGR 12.2%): Digital insurance platforms for underwriting, policy administration, billing, claims automation, and customer engagement across life and health lines. - **Claims administration** (market size $5.8B, CAGR 12.8%): 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. - **Fraud detection and prevention** (market size $35.7B, CAGR 17.5%): AI-enabled continuous monitoring and automated fraud detection and prevention across CX channels to reduce financial losses while maintaining customer experience. - **Agency and reseller enablement** (market size $700M, CAGR 16.4%): White-label, multi-tenant platforms and go-to-market enablement to help agencies and resellers package, operate, and monetize agent-based services. - **Decision management and business rules** (market size $6.9B, CAGR 14.78%): High-performance decisioning and rules management for automated decision logic, integrated rules engines, and scalable rule execution to support compliance and complex decision automation. ## Ideal Customer Profiles ### Growth Stage Insurance Carriers And MGAs Growth-stage insurers and MGAs seeking rapid product launches and unified data. - Industry: Insurance, Financial Services - Geography: Europe and North America - Pain points: Data silos, slow product launches, fragmented workflows, and scalability concerns. - Business goals: Accelerate time-to-market, unify data, improve customer experience, and scale operations. - Positioning: A modular, cloud-native platform that enables rapid product launches and unified data for insurers, MGAs, and brokers. #### Persona: Chief Underwriting Officer - Needs: Faster underwriting, governance, and real-time pricing - Goals: Improve underwriting quality and speed - Challenges: Legacy systems, data silos - Pain points: Slow decisions and manual processes - Solution: Higson pricing and real-time decisioning integrated with Policy Administration System and claims workflows. #### Persona: Claims Director - Needs: End-to-end claims automation and fraud detection - Goals: Reduce cycle time and claims costs - Challenges: High-volume claims and data fragmentation - Pain points: Manual routing and delays - Solution: Claims AI System and Claims Management System with integrated fraud detection. #### Persona: IT Platform Owner - Needs: Cloud-native, secure, scalable architecture with no-code rules - Goals: Reduce time to deploy new product rules - Challenges: Integration complexity, legacy systems - Pain points: Vendor lock-in, costly customization - Solution: Higson Studio for no-code rule management, open architecture, and PAS integration. ### Independent Agencies And Brokers Agency networks and brokers seeking cross-carrier quotes, commissions, and agent productivity. - Industry: Insurance, Financial Services - Geography: Europe and North America - Pain points: Inefficient cross-carrier quoting, complex commission tracking, and data fragmentation. - Business goals: Increase agent productivity, grow revenue, and improve customer experience. - Positioning: A scalable, integrated platform to streamline carrier quoting, commissions, and agent workflows across channels. #### Persona: Agency Owner - Needs: Efficient quoting, transparent commissions, scalable operations - Goals: Grow agency revenue and profitability - Challenges: Complex commission models, data silos - Pain points: Time-consuming quoting, inconsistent commissions - Solution: Agent Portal for quotes and commissions, Fast Quote to accelerate offers. #### Persona: Operations Manager - Needs: Streamlined workflows, real-time dashboards, accurate reporting - Goals: Improve agent productivity and accuracy - Challenges: Data fragmentation, onboarding - Pain points: Manual data entry and reporting gaps - Solution: Agent Portal, Commission Management System, and Fast Quote to streamline quoting and reporting. #### Persona: Senior Insurance Agent - Needs: Easy quoting, quick access to current quotes and commissions - Goals: Close more deals and increase earnings - Challenges: Fragmented data across carriers - Pain points: Slower quote turnaround, unclear commissions - Solution: Agent Portal, Fast Quote, and Commission Management System to simplify quoting and compensation. ### Claims Focused Insurers And TPAs Claim-heavy insurers and third-party administrators seeking end-to-end claims automation and fraud detection. - Industry: Insurance, Payer Services - Geography: Europe and North America - Pain points: High-volume claims, fraud risk, and operational complexity - Business goals: Reduce claim cycle times and improve fraud detection and customer satisfaction - Positioning: A complete claims lifecycle platform that automates processing, detects fraud, and keeps customers informed throughout. #### Persona: Claims Director - Needs: End-to-end automation and fraud detection - Goals: Faster claims resolution - Challenges: High claim volumes - Pain points: Manual review and delays - Solution: Claims AI System and Claims Management System with integrated fraud detection. #### Persona: Fraud Investigation Lead - Needs: Real-time fraud alerts and integration with documents - Goals: Minimize fraudulent payouts - Challenges: Data silos and false positives - Pain points: Investigation workload - Solution: Anti-Fraud Solution integrated with Claims Management. #### Persona: Operations Manager - Needs: Workflow automation and real-time status - Goals: Streamline claims processing - Challenges: Coordination across teams - Pain points: Delays due to manual processes - Solution: Claims Management System with AI-assisted processing.