An MGA System That Keeps Pace with California’s Submission Volume and Audit Pressure

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California MGAs don’t just need a policy system-they need operational control. Between thousands of broker relationships, program-specific workflows, aggressive market competition, and regulatory complexity, generic AMS or PAS tools can’t keep up.

Expert Insured is the full-service Agency Management System (AMS) and Policy Administration System (PAS) designed for MGAs managing high submission volume, complex multi-carrier programs, and relentless audit cycles.

Why California MGAs Choose Expert Insured

  • Built to support  GL, Property, WC, BOP, Auto, and Cyber 
  • Streamlined workflows for  policy issuance, midterm endorsements, and renewals 
  • Integrated  AP/AR + General Ledger for full accounting visibility
  • Handles  producer commissions and overrides 
  • Audit-ready logs and document versioning
  • Azure-hosted with secure permissions, no Citrix or VPN required

Solves Real California MGA Problems

  • High policy turnover in habitational, retail, and contractor lines
  • Submission overload from hundreds of retail agents
  • Frequent endorsements driven by lender requests, location changes, and coverage updates
  • Carrier audits requiring 18+ months of detailed policy and financial records
  • Accounting bottlenecks from split commissions and inconsistent billing flows

System Highlights

  • Endorsement engine with version control and auto-document generation
  • Renewal tracking by LOB, carrier, and producer
  • Commission engine supports agent splits, overrides, and net commissions
  • Full accounting for agency bill + direct bill
  • Broker/CSR portal for document access and live status
  • Structured audit logs for each transaction

Use Case: Bay Area MGA Processing 6 LOBs Across 3 Carrier Programs

Problem:

Over 200 submissions daily across GL, Property, Auto, and BOP. Manual tracking of endorsements and renewals was overwhelming CSRs. Carrier audits took weeks to prepare.

Solution:

  • Deployed Expert Insured with multi-carrier workflow logic
  • Enabled renewal dashboard with filters by LOB and producer
  • Built out midterm endorsement logging + COI automation
  • Configured commission posting per carrier contract

Result:

Cut time to prep carrier audit packages by 80%. Improved policy retention through on-time renewals and faster midterm changes.

Want to explore full platform capabilities?

Visit the main Expert Insured page for feature overviews, integrations, and deployment details.

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FAQ's

Yes. Expert Insured combines policy management, accounting, endorsements, commissions, and renewals in one cloud platform.
Absolutely. Define rules by carrier, LOB, program, or producer level.
All policy actions-quotes, binds, endorsements-are logged with timestamps and user actions. Export full change history in minutes.
Yes. Grant role-based access for brokers to download decs, COIs, and check status live.
Yes. You can run books with multiple billing types, carriers, and remittance rules-automated and reconciled.
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California MGAs don’t need more staff-they need smarter systems.

Expert Insured helps your team manage policy lifecycle, renewals, commissions, and audits-without the chaos.

Start your deployment with one book or carrier. Go live in 60–90 days.
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