Why Florida MGAs Are Losing Business Without Real-Time Quoting
Florida’s insurance market is one of the most complex and volatile in the U.S. From rapidly shifting E&S appetite to regulatory pressure from the OIR, MGAs and wholesalers are under more pressure than ever to quote fast, quote accurately, and quote smart. Unfortunately, many are still losing business due to one simple problem: slow quoting workflows.
In a high-stakes state like Florida, retail agents expect speed. If you can’t deliver quotes in hours-or even minutes-you’re not just risking a missed deal. You’re risking relationships, market share, and long-term broker trust.
The Speed Gap Is Real
Ask any Florida-based MGA and you’ll hear the same thing: retail agents are getting more aggressive with expectations. With admitted carriers withdrawing from key property zones, especially post-hurricane, brokers are forced to turn to wholesalers for fast E&S alternatives. But instead of receiving instant quotes, they’re stuck in the email void.
Common complaints include:
- “I submitted this yesterday. No update yet?”
- “Your competitor turned this around already.”
- “Can you quote faster next time?”
The result? Lost premium, broker attrition, and growing frustration on both ends.
Where the Breakdown Happens
Let’s be clear: most quote delays aren’t about pricing complexity. They’re about workflow friction.
Here’s where quoting slows down for most Florida MGAs:
- Unstructured submissions (email, attachments, missing info)
- Manual data entry across multiple rating portals
- Carrier-specific rules not flagged up front (wind exclusion, tiered ZIPs)
- Underwriters bogged down trying to triage high-volume, CAT-driven requests
Even a skilled team struggles to scale when your systems require human intervention at every step.
How RQB Closes the Quote Speed Gap
Enter the RQB platform-a real-time quoting engine designed for MGAs operating in high-volume markets like Florida.
With RQB, MGAs can:
- Accept structured submissions directly from brokers (no email parsing)
- Rate instantly across multiple carriers and multiple lines of business
- Apply logic-based filters for carrier eligibility by ZIP, LOB, or risk class
- Route submissions to underwriters only if manual intervention is needed
The result? Brokers get quotes faster, underwriting teams stay focused, and Florida MGAs can handle seasonal surges without falling behind.
Test Case: How One Tampa MGA Recovered Lost Broker Volume
Before RQB:
- Quoting Property + GL in Central and South Florida
- Average turnaround time: 2-3 days
- Losing 30% of business to faster wholesalers
After RQB:
- Broker-facing intake form with required fields
- Carrier filters by ZIP, roof age, construction type
- Live rating for 8 carriers integrated
- Average turnaround time: 17 minutes
Within 60 days, brokers returned. By day 90, premium written per agent grew by 41%.
MGAs across the state are turning to real-time rating platforms to stay competitive. See how RQB for Florida MGAs can transform your quoting workflow.
Frequently Asked Questions
Does real-time quoting really work for Florida property risks?
Yes. RQB supports real-time quoting for Property, GL, Flood, and Cyber lines, even in Tier 1 coastal counties, using eligibility logic and carrier-specific rules.
Can RQB eliminate the need for manual triage?
It significantly reduces it. Submissions are automatically filtered and routed based on your underwriting guidelines, so underwriters see only what needs human review.
Is RQB integrated with Florida E&S carrier APIs?
Yes. RQB supports carrier rating APIs and JSON-based templates for Florida-specific carriers. It can also route submissions directly to internal rating tools.
Will my agents still email submissions?
You can provide a branded broker portal through RQB to guide agents toward clean digital submission. Over time, this reduces email volume and submission errors.
What’s required to launch RQB in our office?
Start with one LOB and two carriers. We’ll map your workflows, do a dry run, and launch in less than 30 days with your underwriters onboarded.
If you’re quoting from inboxes, you’re losing business.
Florida’s top-performing MGAs are winning by quoting smarter and faster-with RQB.
Let’s build your quoting pilot now.
Deploy with two carriers. One line of business. 30 days to measurable quoting speed ROI.
Want to learn more about how the platform works across states and carrier types?
Visit the main RQB platform page for full system capabilities, APIs, and launch timeline.
