Modernizing Commercial and Specialty Rating Infrastructure for a Multi Program MGA
How an MGA consolidated fragmented rating tools into RQB and AAIS platforms to enable scalable quoting, delegated issuance, and audit ready policy workflows.
Client Profile
A specialty focused MGA operating General Liability, Builders Risk, Inland Marine, and Excess programs across multiple states.
The organization previously relied on a mix of spreadsheets, legacy raters, and partial carrier portals.
Operational Challenges
- Multiple disconnected rating engines by line of business
- Manual rate comparison across carriers
- No unified bind workflow
- Limited delegated authority automation
- Audit preparation required manual reconciliation
Transformation Architecture
Selectsys implemented RQB as the centralized rate quote bind engine across commercial and specialty lines, while deploying AAIS infrastructure for policy issuance and delegated program workflows.
- Multi carrier rating consolidation through RQB
- API driven comparison and bind workflows
- AAIS based rating, issuance, and accounting integration
- Integration with Expert Insured for lifecycle control
AAIS Platform Deployment
For commercial lines programs requiring structured forms, delegated rating rules, and accounting alignment, the MGA deployed the AAIS infrastructure cluster.
AAIS Commercial Lines Platform | AAIS Platform for MGAs | AAIS Rating Policy Issuance Accounting
Measured Outcomes
- Quote turnaround reduced by 40 percent
- Bind ratio increased through standardized comparison workflows
- Delegated issuance cycle time reduced by 30 percent
- Audit preparation time reduced significantly
- Single control layer across all commercial programs
Integration with Ecosystem
RQB handled multi carrier rate and bind. AAIS managed rating logic and issuance. Expert Insured controlled policy lifecycle. Insurance BPO pods supported underwriting documentation and processing.
RQB | AAIS Commercial Lines Platform | Expert Insured | Insurance BPO
Governance and Control
- Centralized rating logic and rule governance
- Program level audit tracking
- Version controlled forms
- Integrated premium accounting workflows