A Policy Admin System That Keeps Up with Texas MGA Volume and Carrier Demands

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Texas is a heavyweight in commercial P&C. Between Workers’ Comp, General Liability, Auto, and construction-heavy submissions, MGAs are managing high volume and even higher expectations from brokers.

Expert Insured is the policy administration system (PAS) and agency management system (AMS) that lets Texas MGAs issue policies, process endorsements, track accounting, and stay audit-ready-even in oil & gas, logistics, and high-churn segments.

Why Texas MGAs Use Expert Insured

  • Policy issuance for WC, GL, Auto, BOP, and E&S lines
  • Real-time endorsement handling for class codes, vehicles, limits, and named insureds
  • Integrated premium accounting + GL posting
  • Commission splits + agent statements
  • Multi-carrier support with carrier-specific workflows
  • Secure, audit-traceable infrastructure hosted on Azure

Industry-Specific Strengths for Texas

  • Workers’ Comp class code updates + midterm rate change handling
  • GL coverage for trades and energy contractors with complex named insured structures
  • Commercial Auto policy management including vehicle-level data
  • Split billing and AP/AR for retail agent networks across the state
  • Audit logs for carriers and excess markets - critical in Texas E&S

Technical Infrastructure

  • Cloud-hosted (Azure) with optional on-prem DB sync
  • No Citrix or VPN needed
  • User roles + permissions configured for brokers, CSRs, underwriters, and accountants
  • Connects with quoting engines like  RQB  to go from quote to issue in one flow

Use Case: Dallas-Based MGA Running WC, GL, and Auto

Challenge:

Processing over 150 policies/month across WC + Auto + GL. Struggled with split commissions, midterm endorsements, and carrier reconciliation.

Solution:

  • Segmented billing logic by LOB using Expert Insured
  • Developed custom workflows for WC class code endorsements
  • Enabled producer portal for document access and dec page downloads

Result:

Cut policy issuance and endorsement processing time by 50%. Reconciled commissions with 3 carriers monthly with no variance.

Want to explore how this system supports MGAs beyond Florida?

Visit the main Expert Insured page for full capabilities, integrations, and onboarding details.

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FAQ's

Yes. Expert Insured tracks class codes, effective dates, premium impact, and audit logs for WC policy changes.
Each carrier can have its own workflow, document set, rating logic, and accounting flow—fully configurable.
Yes. Expert Insured integrates directly with platforms like RQB and can import quote data for policy issuance.
Yes. Built-in commission engine supports splits by LOB, agency, percentage, or flat rate.
Azure-hosted front-end with whitelisted IP connections. No VPN required. MFA and audit trail included.
SOC 2 Certified

Texas MGAs are too big to rely on manual policy logs and disconnected quoting systems.

Start a focused Expert Insured pilot. Go live in 60-90 days with real underwriting and back-office results.

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