Underwriter & Producer Modes: Governance Meets Velocity
Speed Means Nothing Without Control
Fast quoting only works if authority is clear and compliance is built in. For many MGAs and carriers, that balance between velocity and governance is hard to achieve. Too much control slows down quoting. Too little creates audit risk.
RQB solves both problems at once.
Its underwriter and producer modes define exactly who can quote, bind, or adjust rates, while keeping every action traceable. Speed stays high. Compliance stays intact.
Two Modes, One Data Model
Unlike legacy systems that separate producer and underwriter workflows, RQB uses one shared record.
Everyone sees the same submission, quote, and rating data, filtered by permission.
Producer Mode
Designed for retail agents, brokers, or field underwriters who need speed.
- Create and track new submissions.
- Generate instant quotes from approved carriers.
- View only their accounts and permitted carriers.
- Upload supporting documents and receive automatic validation feedback.
- Send ready-to-bind requests directly to assigned underwriters.
Underwriter Mode
Built for MGA and carrier staff who manage authority.
- Review producer-submitted quotes.
- Adjust rates, limits, or coverage terms within authority limits.
- Approve or decline with comments that stay in the record.
- Access full submission history, documents, and audit trail.
- Push approved quotes to bind and issuance workflows.
Both modes operate inside the same platform, no double entry, no version conflicts.
Delegated Authority Built Into the Workflow
RQB applies authority logic at every action point.
- Define approval thresholds by role, line, or premium limit.
- Route submissions above authority automatically to managers.
- Record digital sign-offs with user, date, and reason.
- Generate evidence packs for carrier audits.
That governance model satisfies delegated-authority compliance requirements while keeping quoting instant.
Real-Time Collaboration Between Roles
RQB replaces the back-and-forth email chain with live collaboration.
- Producers can tag underwriters directly in submissions.
- Underwriters can request missing info in-system.
- All communication stays attached to the record.
- Notifications trigger automatically when status changes.
Everything is visible, timestamped, and searchable. Nothing gets lost in translation.
Visibility for Managers and Compliance Teams
Supervisors and compliance leads have dashboards that show:
- Quotes awaiting approval by user or program.
- Average approval time by underwriter.
- Authority-breach attempts automatically flagged.
- SLA compliance for producer responses.
Managers can intervene before an SLA breach or backlog develops. That’s governance through data, not bureaucracy.
For deeper analytics, read Program Analytics: Measuring What Matters.
Security and Audit Evidence
Every action inside RQB generates an audit entry:
- Who performed the action
- When it occurred
- What changed
- Previous and new values
These records build a permanent trail for regulatory and carrier audits. They can be exported as part of compliance or evidence packs at any time.
Learn more about downstream automation in Bind Automation: From Quote to Policy Packet Instantly.
Role Management at Scale
As MGAs and carriers add programs or states, RQB scales effortlessly.
- Assign roles per program, carrier, or geography.
- Clone role structures for new teams.
- Enable or disable access instantly.
- Integrate single sign-on for enterprise governance.
Adding users or programs never slows the quoting engine.
Why This Matters to Producers
Producers gain what they’ve always wanted, transparency and speed. They can see exactly where each quote stands, when it’s under review, and what’s needed to move forward. No blind spots, no follow-up calls. That visibility keeps producers engaged and loyal.
For a look at front-end experience, see Embedded Quoting: White-Label Portals for Producers & Partners.
Implementation Snapshot
| Step | Duration | Deliverable |
|---|---|---|
| Define roles & authority levels | 1 week | Governance matrix |
| Configure approval workflows | 1 week | Maker/checker routing |
| Train users | 1 week | Role-specific onboarding |
| Go live | 1 week | Active dashboards & audit logs |
By week four, your producer and underwriter network operates inside one controlled system.
Business Impact
MGAs running governed RQB workflows report:
- 40 % faster quote approvals without compliance gaps.
- 100 % visibility into every authority-based action.
- Lower E&O exposure through built-in evidence.
- Higher producer satisfaction thanks to transparent workflows.
Governance becomes a growth driver instead of a speed limiter.
Get Started
Whether you manage five producers or five hundred, RQB’s underwriter and producer modes give you precision control with instant execution. One platform. One source of truth. No bottlenecks.
Request a Demo or Start a Pilot to see governed speed in action.
Frequently Asked Questions
Can we limit producers to specific carriers or states?
Yes, visibility and quoting permissions can be restricted by program, carrier, or territory.
Does every quote need manual approval?
No. Approval thresholds define when maker/checker applies automatically.
Are all actions logged for audit?
Yes, every quote, edit, and approval is timestamped.
Can we integrate SSO or MFA?
Yes, RQB supports enterprise authentication and multi-factor login.
How does this improve SLA compliance?
Dashboards track approval time and highlight delays before they breach SLA.
