MGAs, MGUs & coverholders

The operating stack for delegated authority — built in, not bolted on.

Binding-authority agreements enforced at bind, capacity tracked in real time, bordereaux produced and validated automatically, and underwriting, billing and commissions on the same core — transparency that keeps carriers writing.

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Program Command Center

Live

Active programs

Capacity used

71%

Bordereaux on time

100%

Program loss ratio

58.7%

↓-3.2pts

Written premium vs capacity, last 12 months (%)

Trend

AegisNow gives MGAs, MGUs and program administrators a complete delegated-authority stack: authority agreements modelled and enforced at bind, real-time capacity tracking per program and carrier, automated premium and claims bordereaux with validation, underwriting inside carrier guidelines, surplus-lines handling, and billing with commission settlement. The transparency carriers get is the argument for more pen.

0%of binds validated against authority

Limits, exclusions and referral rules are checked at bind — not discovered at the carrier audit.

Illustrative, capability-framed outcome — your results depend on your data, scope and configuration.

The mgas & program administrators signature

The pressures that define mgas & program administrators

Every mgas & program administrators programme answers to a distinct set of loss modes and regulators. AegisNow maps both onto one governed core — so a single filing artifact can satisfy many regimes.

Binding outside authority

and the audit findings that follow

Late or error-ridden bordereaux straining carrier relationships

Capacity positions tracked in stale spreadsheets

Program loss performance discovered too late to act

Commission and program accounting leakage

Surplus-lines filing and tax compliance

across states

Regulators & regimes

Mapped to one filing library

Obligations from each regime auto-map to shared artifacts, so evidence collected once satisfies many regimes at exam time.

Lloyd's delegated authority standards
State DOI / surplus lines
NAIC producer licensing
Carrier audit requirements

The modules behind it

Built for mgas & program administrators, on one governed core

Each module is composable and shares the same data fabric, Cortex AI brain and evidence ledger — so coverage compounds across the vertical instead of fragmenting.

Policy Administration

Service the book, launch products and run MGA programs on one core.

Underwriting Workbench

Rate, decide and refer on one governed underwriting desktop.

Billing & Collections

Collect every premium, settle every commission, on time.

Distribution & Agency

Onboard, license, pay and grow your producer force.

Smart Claims

Every decision on the file has an author, a rule and a record.

Cortex AI

AI that drafts and assists across insurance — but never decides ungoverned.

Our carriers can see a live, accurate picture of their programs whenever they want. That transparency is why the pen got bigger, not smaller.

A specialty-lines MGA writing coastal property programsChief Operating Officer

100%

of binds validated against authority in real time

The challenge. A fast-growing MGA ran three carrier programs on spreadsheets: authority limits were checked after binding, capacity positions were a week stale, and premium and claims bordereaux took a full week to assemble each month — and still arrived with errors that strained carrier relationships at renewal.With AegisNow. The MGA moved its programs onto Policy Administration with binding-authority agreements modelled as configuration: limits, exclusions and referral triggers enforced at bind, capacity tracked live per program, and premium and claims bordereaux generated and validated automatically from live policy and claims data.

Illustrative scenario; the organisation is described by sector only. No fabricated names, logos or certifications.

FAQ

MGAs & Program Administrators operations, clarified

The questions mgas & program administrators underwriting, claims and finance leaders ask most.

Each authority agreement is modelled with its limits, exclusions, referral triggers and capacity; every bind validates against them in real time, exceptions route to referral, and the audit trail shows carriers that nothing bound outside the pen.

Premium and claims bordereaux generate from live policy and claims data, validate against agreed formats and tolerances, and submit on schedule — replacing the month-end spreadsheet assembly and the errors that come with it.

Yes — carriers can be granted scoped views of capacity utilisation, loss performance and bordereaux status. That transparency is typically what earns better terms and more capacity at renewal.

Products are defined in a no-code product factory and authority agreements are configuration, not code — so new programs typically stand up in weeks once the carrier agreement is signed.

Yes — surplus-lines eligibility, filings support and tax handling are built into the policy admin core with per-state rule packs.

Explore the modules

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Resilience built for mgas & program administrators

See AegisNow mapped to your mgas & program administrators regulators, lines and workflows in a working environment — in one session.