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RQB for Texas: High-Speed Underwriting for High-Volume MGAs

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Texas is one of the most competitive and diverse insurance markets in the country. MGAs and wholesalers are constantly navigating complex submissions across Workers’ Comp, Property, GL, and Commercial Auto. Carrier appetite changes quickly. Broker expectations are rising. And legacy quoting processes can’t keep up.

The RQB platform brings real-time rating, quoting, and risk filtering to Texas MGAs who need to quote faster, triage smarter, and close more business-without overwhelming their underwriters.

Why Quoting Speed Matters in Texas

  • Texas has a massive independent agent network-brokers expect fast responses or they move on.
  • Admitted carriers often exit specific classes or ZIPs, pushing agents to E&S markets.
  • High submission volume from industries like construction, logistics, and energy puts pressure on underwriting queues.
  • Manual processes lead to delays, duplication, and lost premiums.

RQB Capabilities for Texas MGAs

  • Real-time multi-carrier quoting  for GL, Property, WC, Auto, and Cyber
  • Underwriting logic filters  by ZIP, industry class code, or line-specific appetite
  • Retail agent portals  to streamline submission data intake
  • Live dashboards  for bind ratio, turnaround time, and carrier quote rates
  • Carrier-specific routing logic  to avoid wasted cycles on ineligible submissions

Test Case: Dallas-Based MGA Streamlines WC & GL Underwriting

Before RQB:
  • 50+ daily submissions across construction and healthcare WC classes
  • Manual assignment took 3-5 hours/day
  • 27% of quotes delayed >48 hours
After RQB:
  • Class-code-based routing for WC (roofing, framing, home health)
  • Automated quote prep for eligible GL risks via API-connected carriers
  • 65% reduction in quote time
  • Improved quote-to-bind ratio from 31% -  52%

Texas-Ready Integrations

Workers’ Comp class code filtering based on NCCI codes and carrier rules

GL appetite logic for Texas-specific businesses (e.g., oilfield contractors, food trucks, etc.)

Property filters for Tier I/II coastal exposure

Live API rating with carriers like AmTrust, State National, and ISO-driven programs

Built for the Texas MGA Ecosystem

  • Designed to serve MGAs operating out of Dallas, Houston, Austin, San Antonio
  • Structured quoting for fast-growing commercial verticals like logistics, trades, energy, and construction
  • Supports brokers handling both admitted and non-admitted placement in competitive sectors

Want to understand how RQB works beyond Texas?

To understand how RQB works beyond Texas, visit the RQB platform page for technical specs, multi-state deployment strategies, and integration details.

Also see:

FAQs

Yes. RQB supports multi-LOB submissions including GL + Property + WC + Auto, and applies routing logic to each based on eligibility rules.
Yes. You can configure and update carrier eligibility rules in real time-by ZIP code, class code, LOB, or other attributes.
Absolutely. RQB provides a branded broker-facing submission portal that includes validations, required fields, and no back-and-forth emails.
Yes. Hosted on Azure with MFA, IP whitelisting, and SOC 3 alignment. All quote data is logged and exportable for compliance.
You can launch in 30 days with one LOB and two carriers. We'll document your current workflows, do a dry run, and go live with a measured ROI goal.

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

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.

Let’s deploy a quoting pilot in your Texas operation.

Start with one high-volume line, two carriers, and a live broker intake form. Measure quote-to-bind speed in 30 days-and scale from there.

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