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i23CRM

MGA Insights

Perspectives on running and growing an MGA.

Written for MGA leadership and distribution teams, how submission flow, carrier appetite and producer relationships shape a durable book.

Insights

What we're seeing across MGA operations.

Short, practical notes drawn from how specialty teams actually work day to day.

Why submission flow is the real MGA growth metric

Bind ratio starts upstream. Tracking where submissions stall (intake, appetite check, market selection) tells you more about growth capacity than premium alone.

  • Measure time in each submission stage, not just totals
  • Separate declines by reason: appetite, pricing, information
  • Watch the ratio of submissions per active producer

Carrier appetite is knowledge, not folklore

Most MGAs hold appetite knowledge in the heads of two or three underwriters. Writing it into the record makes market selection repeatable and onboarding faster.

  • Record classes, limits and territories per carrier
  • Log why a market declined, not only that it did
  • Review appetite notes at renewal season, not after

Producer performance beyond written premium

Premium is a lagging indicator. Submission quality, hit rate and renewal retention tell you which relationships are worth deepening.

  • Track hit rate by producer and by class
  • Flag producers whose submissions rarely clear appetite
  • Pair retention rate with renewal lead time

Building a book that survives a hard market

Concentration risk shows up when capacity tightens. A clean policy record makes exposure by carrier, class and geography visible before it becomes a problem.

  • Know your premium concentration per carrier
  • Keep expiry dates accurate across the whole book
  • Start renewal conversations before capacity moves
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