MGA delegated underwriting and limits
MGAs can use agents within carrier-approved underwriting appetite, referral thresholds and pricing authorities; breaches may create regulatory and contractual exposure.
Executive question
Are delegated agents acting inside written underwriting authority?
What to measure
- Authority breach count
- Risk referral ratio
- Portfolio premium mix and loss ratio
- Audit coverage of binds
Relevant products and standards
The London market's standard data set from the London Market Group Data Council, now covering pre-bind through to claims. Its data elements sit within ACORD GRLC standards. A data standard, not a personal-agent protocol.
Guidewire framework, launched in its Qusar release (Aug 2026), for insurers to build, deploy and manage AI agents with access to policy, claims and billing data.
Agent that moves commercial insurance broker submissions from intake to a decision-ready file within the carrier's pricing, appetite and authority rules, with underwriter review where needed.
Relevant examples, not documented integrations, completeness, certification or endorsement. Listed alphabetically.
Evidence and current limits
Strategic pathway; not an observed market-wide adoption rate.
Draft analysis, under editorial review.