Decerto

Decerto is a Warsaw-based software company founded in 2006 that builds custom platforms and modernizes existing systems for insurance carriers and managing general agents. The company has 200+ employees across the region and operates in 9 countries, serving 40+ clients including Warta (HDI/Talanx Group), Allianz, and Vienna Insurance Group. Rather than locking clients into mega-vendor ecosystems, Decerto delivers modular, API-first solutions that integrate with legacy systems while enabling new product launches in months rather than years.

The firm positions itself on two pillars: deep insurance domain knowledge (20 years in underwriting, claims, and policy sales) combined with modern engineering. Its staff includes developers, analysts, and solution architects who treat insurance requirements as primary, not afterthoughts. The company claims to have captured 80% of the Polish insurance market and holds a 4.9/5 rating on Clutch.

Services and capabilities

Decerto's product suite targets three core workflows. Agent Portal (360° Agent's Workplace) automates insurance agent workflows and is used by leading carriers including Warta, Allianz, and Vienna Insurance Group. The portal consolidates agent tools into a single workspace.

Higson, described as an intelligent business rules engine, automates underwriting decisions and pricing logic. The company emphasizes that Higson lets carriers launch new products in days instead of months by abstracting complex rules from code.

Claims AI processes claims documents and generates substantiated decisions in under 2 minutes. It targets North American and European carriers and emphasizes compliance and transparency in decision-making.

Beyond these flagship products, Decerto offers a Self-Service Customer Portal with five modular components: Information Source (policy details and documents), Communication Channel (two-way messaging), Sales Application (quote-to-purchase flow), Claims Application (FNOL and tracking), and customizable add-ons. Customers can adopt the full suite or select individual modules. The portal supports both Life and P&C insurance.

The company also builds custom software for specific carrier problems. One client noted that a sales platform Decerto developed "significantly improved our efficiency and gave business teams greater independence." The firm uses agile, iterative development with early working software visibility and flexible requirement changes.

How they work

Decerto follows agile development methodology with transparent pricing and no hidden costs. The company emphasizes active collaboration and honesty in partnership discussions. Engagements combine dedicated teams (for bespoke work) with pre-built, configurable products (Agent Portal, Higson, Claims AI, Customer Portal) that clients can adapt. The modular architecture is API-first, meaning new systems integrate with existing core platforms, agent tools, and data services without requiring rip-and-replace migrations. The firm does not intimidate easily by legacy systems.

Team and credentials

Decerto has 200+ experts on staff spanning developers, analysts, and solution architects. The company was founded in 2006 and operates across 9 countries. It holds a 4.9/5 rating on Clutch, based on work with insurance carriers. No formal certifications (ISO 27001, SOC 2, etc.) or partnership statuses (AWS Premier, Google Cloud, etc.) are mentioned in the source material.