How RQB Helps Florida MGAs Manage CAT Season Surge Volume
Every MGA in Florida knows the feeling. A named storm forms off the coast, and within 24 hours your inbox explodes with submissions-Property, Flood, Excess, General Liability-sometimes 3x the usual daily volume.
Retail agents want quotes fast, carriers are adjusting capacity in real time, and underwriters are overwhelmed. This is the reality of CAT season underwriting in Florida-and most MGAs are not built to scale when it hits.
But a growing number are turning to automation to survive the surge. That’s where the RQB platform comes in.
What Happens During Florida CAT Season
During storm season, the insurance submission lifecycle compresses dramatically. Retail agents race to get quotes for their commercial clients before a storm forms or reaches Florida. That results in:
- 2x to 10x increase in daily submissions (within 24-72 hours)
- Massive quoting requests for Property and Flood
- Pressure to quote within hours, not days
- Internal underwriters and operations teams stretched thin
Underwriting bottlenecks during CAT season don’t just delay quotes-they cost renewals, new business, and broker relationships.
Why Traditional Quoting Workflows Break Down
Even experienced MGAs with strong underwriting teams suffer when the process is manual.
Key failure points:
- No automated triage: All submissions look the same, regardless of eligibility
- Carrier logic is tribal knowledge: Underwriters manually decide what to quote
- Submission quality drops: Brokers rush and send partial info
- Email overload: Everything hits the same shared inbox
These problems create chaos-and missed opportunity-at the exact time when quoting speed matters most.
How RQB Handles the CAT Surge
RQB is engineered to keep your quoting engine running even when submissions triple. Here’s how:
1. Submission Logic for Surge Filtering
- Risk location, property year built, construction type, occupancy
- Automatically flag submissions that are ineligible by carrier
- Prevents wasted time on quotes that will be declined
2. Auto-Routing by LOB + ZIP Code
- Assign high-volume lines like Property + Flood to specific underwriters
- Use tiered routing rules by county (e.g., exclude Tier 1 zip codes for non-wind carriers)
- Prioritize accounts from top brokers
3. Broker Intake with Validation
- Prevents incomplete submissions at the source
- Brokers must complete required fields in structured format
- Fewer emails, fewer back-and-forth cycles
4. Live Carrier Rating Integration
- Quote multiple carriers instantly with your own logic applied
- Filter results by market appetite and profitability
- Quote in real time, bind faster
Test Case: South Florida MGA Pre-Storm Surge
Before RQB:
- Hurricane warning triggered 300+ submissions over 2 days
- Manual triage led to 80+ unquoted submissions
- Underwriter burnout, missed opportunities
After RQB:
- Surge logic flagged 90 ineligible risks automatically
- Auto-routing handled 5 underwriters with load balancing
- Quoting time dropped from 48 hours → under 20 minutes
- Bound premium increased by 31% compared to previous CAT surge
Florida MGAs using RQB are staying ahead of CAT surges with automated quoting logic and real-time underwriter routing. See how RQB is built for Florida MGA workflows and can scale with your agency as the storm season approaches.
Frequently Asked Questions
Does RQB support quote prioritization during high-volume periods?
Yes. You can define routing rules to prioritize quotes by broker tier, LOB, location, or volume. Underwriters get the right submissions at the right time.
Can RQB restrict quoting for CAT-exposed properties?
Absolutely. Risk logic in RQB can prevent submissions from being routed to carriers that don’t write wind, flood, or Tier 1 properties.
What’s the advantage over spreadsheets or manual routing?
RQB reduces human sorting and subjectivity. It ensures high-value submissions are quoted first and that underwriters aren’t bogged down with low-probability accounts.
Can it support multiple lines of business during CAT season?
Yes. You can triage and quote Property, Flood, Excess, and GL in the same system. RQB handles package logic and sends the right pieces to the right carriers.
How fast can we deploy RQB before hurricane season?
If you start today, you can be live in 30 days with 2 carriers and 1 line of business fully quoted through the platform.
Storms are unpredictable. Your quoting workflow shouldn’t be.
RQB helps Florida MGAs stay responsive, organized, and competitive-even under surge conditions.
Ready to quote smarter this CAT season?
Start a live underwriting pilot and transform your quoting operations in 30 days.
Curious how RQB handles quoting in other states or beyond Property and Flood?
Explore the RQB platform overview for deployment options and carrier integrations.
