Celent Names Higson a Noteworthy Solution in Its 2026 Global P&C Standalone Rating Systems Report
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Decerto, a software company that has worked exclusively with insurers for more than 20 years, today announced that Higson, its business rules and rating engine, has been named a Noteworthy Solution by Celent in the report P&C Standalone Rating Systems: Global Edition (November 2026). Celent, a research and advisory firm for the financial services industry, describes Noteworthy Solutions as potential challengers to the more established competition.
The report profiles 18 standalone rating systems and places each in its Technical Capability Matrix, based on advanced technology and breadth of functionality. Celent notes that standalone rating engines have become a critical part of insurance architecture because they separate rating logic from the policy administration system.
Rating and Rules in One Place, Next to Any Core System
Higson keeps rating tables, underwriting rules, and product configuration outside the core system and serves them through a REST API. Product, actuarial, and underwriting teams change rates and rules in Higson Studio, test them, and publish them with full version history. IT keeps ownership of the platform and gets more time for architecture.
What Sets Higson Apart
Three honest timelines. Platform go-live takes 3–6 months. Each new product after go-live takes weeks. A single rule change takes hours.
Measured performance. 0.23 ms per decision and 9,000 requests per second.
Audit trail and control. Granular permissions by business domain, complete change history, and rollback.
Built for AI, with guardrails. An official MCP server for AI agents, an ONNX runtime for running machine learning models inside rules, and an AI Assistant (beta) in Higson 4.3.
Your deployment model. Cloud, on-premise on Kubernetes, or hybrid.
Customers Moving Faster with Higson
BNP Paribas Cardif brought claims rules from five product lines into one engine in three months, with a single audit trail. Allianz uses Higson as a central product configuration layer and launches product variants in days instead of months.
Management Comment
“Mid-market carriers tell us the same thing: every rate change waits in the IT queue,” said Marcin Nowak, Co-founder and Board Member, Decerto. “Higson moves that logic out of the core system and into the hands of the people who own it, with the testing and audit trail a regulator expects. Being included in Celent’s global report confirms that carriers now evaluate this layer on its own.”
Accessing the Report
Celent’s full report is available to Celent clients at www.celent.com. To see Higson on your own rating tables, book a 30-minute call at HERE.
Start With a 30-Minute Conversation
Tell us where your operation loses time - in claims, in underwriting, in policy servicing, or in getting a product to market. You will talk to a senior architect, not a sales team, and the first call is a technical Q&A rather than a walkthrough of screens.If a pilot makes sense afterward, we will scope one: one line of business, one jurisdiction, limited integrations, measured against your own baseline. If it does not, you will still leave with a clearer view of your own bottlenecks.
