Many MGAs treat delegated authority as a commercial milestone. Once they sign the contract and put the binder in place, they assume the hardest part is behind them. In reality, the real work starts at that moment. Carriers do not view delegated authority as a one-time decision. They continuously assess control. They look beyond underwriting […]

When underwriting backlogs appear, the default response is almost always the same: hire more people. More underwriters, assistants, and temporary support to “get through the surge.” For a short time, the pressure eases. Then the backlog comes back. That pattern isn’t a coincidence. Underwriting backlogs rarely occur due to a lack of talent. They happen […]

Underwriting teams track the average handling time for each task and the number of submissions they process each month, but very few MGAs track the rework they must complete. The numbers look great on dashboards, but margins still shrink. Teams still feel overloaded, even though they are meeting their targets and doing their best.  Leadership […]

From the moment a new submission enters your system to the final bind, every step of the underwriting process counts.  The truth is, most underwriting workflows were never designed to handle the complexity and volume of today’s insurance environment. The systems you work in are from the 90s, the market is still growing, and your […]

Most automation stories in the MGA market start the same way: bold claims about hours saved, faster processing, and efficiency gains that sound almost automatic. The message is simple – automate more, work faster, and the ROI will follow. But that’s not how MGAs work. MGAs don’t fall behind because they lack a few hours […]

AI is becoming a standard part of underwriting. Pulling data from messy submissions, scoring risks, flagging inconsistencies, and helping teams move faster. But as AI grows more capable, the industry keeps asking the same question: Where should the line be drawn between AI automation and human judgment in underwriting? It’s the right question, because underwriting […]

Insurance runs on data, but most teams store that data in different tools and systems that don’t integrate. These gaps create data silos, and those silos slow everything down. They erode trust, delay quotes, and make simple tasks feel more difficult than they should be. In 2025, data silos are a leading cause of breakdowns […]

Specialty lines are growing faster than almost any other part of the industry. E&S, cyber, marine, contractors, environmental, and professional liability are all expanding as new risks emerge and traditional markets pull back. That growth brings opportunity, but also brings something else: pressure. More submissions, more documents, more filings, more endorsements, more exceptions, and more […]

Insurance operations have relied on outsourcing for many years. Business Process Outsourcing (BPO) helped teams scale quickly and cut costs, making it a primary choice for many business strategies. Today, outsourcing alone can’t support the needs of modern insurance teams. The future looks different. It is faster, wiser, and focused on keeping knowledge inside the […]