Who we help / MGAs and programs
Somebody else’s paper, and your reputation on it
Run a program end to end — bind on carrier paper, bill the premium, handle the 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.
Walk a program with usWhat 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. Those are four different systems in most program operations, which is why the audit takes weeks.
Bind, bill, handle, report
A program in one record
- 01
Authority is enforced, not remembered
Bind ceilings are per-role and checked on execution. An authority breach is a refused action rather than an audit finding.
- 02
Premium arithmetic is provable
Installment splits reconcile to the rated premium before they are written, and commission accrues off one source.
- 03
Claims are handled on the same record
Coverage verified against the policy you bound, reserves the database keeps consistent, statutory clocks computed per jurisdiction.
- 04
Carrier reporting runs on schedule
Bordereaux in the carrier’s format, with rejections surfaced immediately rather than found at quarter end.
- 05
The audit answer exists already
One transition door, full audit trail including sensitive reads, and nothing destroyed.
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 | Platform ceiling checked at bind |
| Premium and claims disagree | One record behind both |
| Bordereaux late or rejected | Scheduled exchange, rejections surfaced same-day |
| Commission disputes with agencies | One accrual, two views, one service |
| Audit takes weeks | The audit log already holds who, what, when and why |
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 configure. Whether the carrier granted them is a contractual matter.
Formats are per carrier
Each carrier’s reporting format is mapped once. Multiple carriers means multiple mappings.
Billing screens in build
The premium engines are complete and tested; the dedicated Billing Portal screens are the current build phase.