An Agency Management System Built for Florida’s Endorsement-Heavy, Compliance-Driven MGA Market

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Florida MGAs need more than policy software. Between CAT exposure, constant midterm endorsements, and tight compliance from the Florida OIR, traditional AMS tools just can’t keep up.

Expert Insured is a full-featured policy administration system (PAS) and agency management platform designed specifically for the demands of Florida MGAs and wholesalers.

Built for Florida Insurance Operations

  • Policy issuance for Admitted and E&S lines
  • Endorsement workflows that match Florida’s high-churn book structure
  • Fully integrated AP/AR + General Ledger
  • Premium tax reporting formatted for Florida OIR
  • Producer portal access for COIs, docs, and updates
  • Real-time audit trails for compliance and carrier reviews

Why It Matters in Florida

  • Property and flood lines generate frequent midterm changes
  • Named insureds shift more often due to trust, LLC, or title transfers
  • Wind-only and excess flood programs demand flexible rating + docs
  • High litigation and regulatory oversight mean your system better log everything

This isn’t just about issuing policies. This is about staying audit-ready, quote-to-bind-to-renewal.

Real-World Use Case: Central Florida MGA

Problem:

Issuing and servicing 4,000+ property and GL policies per year with frequent limit changes, COI requests, and midterm additions.

Solution:

Expert Insured automated:

  • Endorsement workflows with version control
  • Doc generation for every policy state
  • Accounting for split commissions and agency bill

Result:

Reduced endorsement processing time by 65%, improved reconciliation with carriers, and passed OIR audit with zero flags.

California-Specific Advantages

Handles submissions for admitted + E&S markets seamlessly

Filters risks by wildfire exposure, ZIP Tier, or occupancy class

Supports quoting for industries with high retail broker activity (restaurants, storefronts, habitational, trades)

Maintains structured quote logs for CDI audit readiness

Ecosystem Integrations

  • Compatible with Expert Insured for downstream policy issuance
  • Works with carrier APIs or internal rating logic
  • Hosted on Azure with IP whitelisting, MFA, and compliance logging

Want to understand how RQB works beyond California?

Want to explore how this system supports MGAs beyond Florida? Visit the main Expert Insured platform page for full PAS and AMS capabilities, integrations, and migration support.

Also read:

FAQ's

No. Expert Insured is a full agency management system, including accounting, document handling, endorsements, and renewal workflows.
Yes. The platform is built to handle high-frequency midterm activity common in Florida, with versioning and audit logs.
Yes. Reports are exportable in formats accepted by the Florida OIR.
Fully supported. You can configure secure access for brokers, agents, and internal staff by role and permission level.
Most MGAs are live in 60–90 days, depending on data volume. We support pilot launches for one LOB or book segment first.
SOC 2 Certified

If your current agency system can’t keep up with Florida’s demands, it’s time to upgrade.

Start a focused pilot of Expert Insured and see the difference in endorsements, accounting, and compliance.

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