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RQB for California: Smarter Quoting for High-Volume, High-Regulation Markets

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California MGAs face a perfect storm of challenges-massive submission volume, carrier appetite volatility, broker pressure, and evolving compliance standards. Whether you’re quoting General Liability in wildfire zones or navigating Workers’ Comp class code complexity in dense metro areas, quoting slow means losing business.

That’s why forward-thinking MGAs are adopting the RQB platform: a quoting and triage engine designed to scale with the speed and volume of California’s retail distribution networks.

Why California MGAs Need Quoting Automation

  • Independent agents in California submit large volumes with aggressive timelines.
  • Carrier appetite shifts regularly in wildfire, earthquake, and urban zones.
  • Submissions are often incomplete or missing key eligibility data.
  • Manual workflows slow down underwriting and frustrate brokers.
  • Compliance pressure from the California Department of Insurance (CDI) is increasing.

RQB Capabilities for California MGAs

  • Real-time multi-carrier quoting  for GL, Property, WC, Auto, Cyber
  • Appetite logic filters   by ZIP, county, construction type, or class code
  • Broker-facing intake forms   to eliminate email-based quoting delays
  • Underwriter dashboards  for quote cycle time, success rate, and risk routing
  • Dual-mode logic   for admitted vs. non-admitted carrier routing

Test Case: Southern California MGA Handles Multi-Line Retail Surge

Challenge:
  • Receiving 100+ daily submissions from retail brokers in LA & Orange County
  • Quoting GL + Property packages for contractors, hospitality, and retail
  • Underwriters overwhelmed by volume and manual assignment
Solution:
  • RQB deployed with multi-LOB routing logic by ZIP + occupancy type
  • Underwriters only received qualified, complete submissions
  • Brokers guided through smart intake forms
  • Quote speed increased 3x, and underwriters processed 2x the volume

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?

For more on how RQB supports MGAs outside California, visit the main RQB platform for product architecture, API integrations, and onboarding info.

You can also read our California-focused blogs

FAQs

Yes. RQB allows you to define appetite by ZIP code, risk type, and carrier rules. You can exclude, flag, or prioritize based on wildfire risk tiers.
Absolutely. RQB can separate workflows based on market type and carrier routing logic, while keeping it seamless to the broker.
RQB’s broker-facing form includes validations, required fields, and field-level logic to prevent incomplete submissions before they hit your team.
Yes. All quote activity is logged with timestamped decision data, structured by carrier and LOB, and exportable for compliance review.
Most MGAs go live in under 30 days with one line and two carriers. Pilot includes workflow mapping, dry run testing, and launch support.

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Recommended Next Steps

If you’re exploring how RQB connects to the full insurance operations workflow, the following pages walk through how quoting ties into downstream execution:

If you want a broader view of how quoting fits into the full lifecycle, the operating model page explains how RQB connects to underwriting, policy administration, servicing, and downstream operations.

If you want a quick reference for any of the terminology mentioned on this page, you can review the Glossary for clear definitions and context.

Start quoting like the top MGAs in California.

Deploy RQB with your highest-volume brokers and see measurable quote turnaround improvements in 30 days.

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