Who signs in / MGAs and programs
Somebody else’s paper, and your reputation on it
Run a program end to end — submissions, quoting and binding on carrier paper, agency management, commissions and agency bill, claims — and report to the carrier without assembling it by hand.
An MGA lives or dies on the carrier relationship, and that relationship is mostly made of reporting accuracy and audit readiness.
The question this answers
What does a carrier audit of a program actually look for?
Whether you bound within authority, whether premium was handled correctly, whether claims were handled and reserved defensibly, and whether you can prove all three. In Waypoint the binding limit, the premium ledger, the claim file and the audit trail sit behind one record.
A program in one record
Bind, bill, handle, report
Authority Is Enforced, Not Remembered
Each underwriter’s binding limit is checked when they bind. Over the limit, the submission is referred with the reason and the price held — not refused, not bound.
Premium Arithmetic Is Provable
Installment splits reconcile to the rated premium before they are written, and commission is rate times a rating run’s total — never typed.
Claims On The Same Record
The claim reads the policy you bound, reserves sit per coverage line within authority, and statutory clocks run from your statute book.
Bordereaux In The Carrier’s Layout
Programs, templates in the carrier’s columns, period runs and imports that raise reconciliation alerts.
The Audit Answer Exists Already
Add-only audit rows naming who, when and what changed, with every override carrying its reason.
Program pressure points
Where programs get into trouble
Each of these is a structural failure rather than a discipline failure, which is why more training does not fix them.
Pressure point
What removes it
Bound Outside Authority
The person’s limit and the agency’s office authority, tighter wins, checked at bind
Producer Not Licensed
The producer license wall refers the bind when the license does not stand
Premium and Claims Disagree
One policy record behind both
Commission Disputes With Agencies
Published schedules only; agencies see results, never an editable rate
Audit Takes Weeks
The audit log already holds who, what, when and the reason
Where we are honest
The carrier still sets the terms
The platform makes compliance with a program agreement observable. It does not negotiate one.
Authority Comes From The Agreement
We enforce the limits you set. The platform ships none, and a person with no limit set binds without a ceiling — so setting them is part of going live.
Layouts Are Per Carrier
Each carrier’s bordereau layout is a template. Multiple carriers means multiple templates.
Money Moves Outside
Premium and agency remittances arrive in your own accounts. Waypoint records them; it never holds them.
Read next
Bring your last carrier audit
The findings list, if you are willing. We will show you which findings are structurally impossible here and which are still down to practice.