How RQB Streamlines WC and GL Submissions for Texas MGAs
If you’re running a Workers’ Comp or General Liability program in Texas, you’re already familiar with the submission chaos: ZIP code exclusions, fluctuating carrier appetites, misaligned class codes, and brokers who expect quotes in hours-not days.
Texas MGAs are managing hundreds of submissions weekly across high-risk trades, logistics, retail, and healthcare. Underwriters are spending valuable time sorting through ineligible or incomplete submissions, costing the MGA time, money, and broker trust.
That’s why many Texas wholesalers are turning to the RQB platform-a quoting engine built to handle volume, logic, and underwriting complexity without overloading your team.
Why Class Code Complexity Slows You Down
Let’s say you’re quoting WC for:
- Roofers in Houston
- Home healthcare in Dallas
- HVAC contractors in Austin
- Welding contractors in Fort Worth
Each class code (e.g., 5551, 8835, 5537, 3365) comes with different risk levels, rating modifiers, and carrier preferences. Some carriers won’t touch high-risk codes. Others want only clerical. Your underwriters are forced to manually screen every submission-unless your quoting platform can do it for you.
Same goes for GL:
- Carrier A won’t write apartment rehabs over 3 stories
- Carrier B excludes work near chemical plants
- Carrier C only writes owner-occupied contractors in certain counties
Manual triage doesn’t scale.
What RQB Does Differently
RQB turns submission chaos into structured underwriting workflows.
Class-Code Based Routing (WC & GL)
- Define eligible class codes by carrier
- Auto-route submissions based on class mix
- Flag high-risk combinations (e.g., roofing + scaffolding) for review
- Send low-risk classes straight to rating
Multi-LOB Submission Intelligence
- Handle WC + GL together in one quote
- Assign each LOB to the right underwriter or carrier
- Avoid quoting risks that one carrier can’t write
Carrier Appetite Filters
- Add ZIP code exclusions for Property and GL
- Apply trade-specific limits (e.g., $1M/$2M only for plumbers)
- Avoid wasting cycles on submissions that won’t bind
Use Case: Austin-Based MGA Quoting WC + GL for Contractors
Before RQB:
- Submissions from 300+ brokers statewide
- WC and GL handled by different teams
- Underwriters manually screened class codes and zip eligibility
- 25% of underwriter time spent rejecting ineligible submissions
After RQB:
- Class code triage by risk profile
- GL submissions routed based on structure type, job location
- WC + GL quoted together where possible
- Time-to-quote reduced by 68%
- Underwriters spent more time quoting, less time sorting
Texas MGAs quoting WC and GL are using RQB to filter, triage, and rate faster-without wasting underwriter hours on non-qualifying submissions. Learn more about how RQB is purpose-built for Texas MGA operations or explore the full platform capabilities on the main RQB platform page.
FAQs
Can RQB handle multi-class WC submissions?
Yes. It can evaluate all class codes in a submission, apply risk logic, and route to appropriate carriers or underwriters.
Does it support combining GL and WC in one workflow?
Absolutely. RQB supports multi-LOB submissions and routes them independently or jointly based on your configuration.
How does it help underwriters?
Underwriters see only the submissions they should be quoting. No triage. No sorting through irrelevant emails. Just underwriting.
What if our brokers don’t know exact class codes?
RQB can assist with class code mapping based on NAICS, business type, or descriptions collected from brokers.
How long to implement this logic?
You can launch a pilot in 30 days, including class-code routing, carrier filtering, and basic API connections.
Quoting GL and Workers’ Comp in Texas shouldn’t feel like sorting a junk drawer.
Use RQB to triage smarter, quote faster, and close more business with less stress.
Launch your quoting pilot in 30 days – live with real submissions, two carriers, one LOB.
