How Texas MGAs Handle WC and GL Endorsements Without Manual Logs
In Texas, commercial insurance moves fast-and MGAs have to move even faster. Whether you’re writing Workers’ Compensation for roofers or General Liability for contractors, midterm policy changes are inevitable.
Class code changes. Additional insureds. Limit increases. And the occasional “can you add a new vehicle by COB today?”
If your agency management system (AMS) can’t track these endorsements cleanly, you’re relying on manual notes, inbox searches, and spreadsheet logs that will eventually break. And when they do, it’s your underwriters, CSRs, and accountants left scrambling.
That’s why growing MGAs in Texas are switching to Expert Insured-a policy administration system designed to automate endorsement workflows across GL, WC, and more.
Why Endorsements Are So Common in Texas
Texas MGAs handle a diverse book across industries like:
- Construction (roofing, HVAC, electrical, concrete)
- Logistics (freight, warehousing, last-mile delivery)
- Energy (contract labor, well servicing)
- Retail & Food Services (GL-heavy small businesses)
These programs generate endorsement volume from:
- WC class code changes after job description updates or audits
- GL endorsements for COI requests, limit increases, and additional insureds
- Auto policy updates with new or replaced vehicles
And in many shops, this is still tracked manually.
The Problem with Manual Endorsement Logging
- No consistent format
- No user tracking or timestamps
- Difficult to reconcile premium changes
- Risk of lost documents or duplicate entries
- Audits become a painful, time-consuming event
When volume grows, underwriters can’t see what’s been changed or why. Finance doesn’t know what’s been invoiced. And brokers call frustrated, waiting on updates that slipped through the cracks.
What Expert Insured Does Differently
Expert Insured is a full AMS and PAS built for multi-LOB, high-change environments-like Texas.
Version-Controlled Endorsements
- Every endorsement is tracked with before/after values
- Includes user, date/time, and reason
- Rollback-ready for compliance and audit trails
WC Class Code Tracking
- Midterm changes update rating logic
- Tied to payroll class + audit support
- Automatic premium recalculation and posting
GL Additions and COI Triggers
- Add new insureds, adjust limits, or add locations
- Automatically generates revised declarations
- Optional notifications to brokers or CSRs
Accounting Integration
- Premium changes post to AR and GL
- Commission adjustments recalculated automatically
- Fully integrated for both direct bill and agency bill workflows
Use Case: Texas MGA Writing GL + WC for Trade Contractors
Problem:
This Dallas-based MGA serviced roofing and HVAC risks across 5 programs. Class codes changed midterm. Additional insureds were constantly requested. Staff tracked endorsements manually.
Solution:
- Implemented Expert Insured to manage all endorsements
- Built out WC workflows for class code audits
- Configured GL workflows for additional insured and COI triggers
- Enabled logging for all midterm changes
Result:
- Endorsement response time dropped from 3 days to same-day
- Finance team reconciled endorsement premiums without emails
- Audit logs were ready at click-level for each carrier and internal review
Texas MGAs are ditching manual logs and Excel trackers by switching to modern platforms like Expert Insured. Learn more about our Texas AMS and policy admin system or view broader capabilities on the main Expert Insured page.
FAQs
Can Expert Insured track WC class code endorsements?
Yes. Class code changes are versioned, premium-adjusted, and logged for underwriter and auditor review.
How are GL changes handled?
Endorsements for limits, locations, and named insureds are tracked and tied to updated dec pages and COIs.
Does the platform recalculate billing?
Yes. Endorsements post to the ledger, and finance teams can view changes, charges, and commissions in real time.
What about reporting?
Endorsement activity is exportable by carrier, agent, class code, LOB, or time frame-perfect for audit and reconciliation.
Can brokers access updated docs?
Yes. With permissions, they can download updated decs or COIs through the broker portal.
Texas MGAs don’t have time to search inboxes when a carrier calls.
Use Expert Insured to automate your endorsements, protect your data, and get your team back to underwriting.
Launch a pilot today – GL, WC, or both. One book. 60 days.
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