Insurance software for MGAs: distribution, underwriting and broker management
Managing General Agents (MGAs) need the flexibility to launch products quickly, grow distribution networks and maintain control over underwriting decisions, without relying on costly custom development or fragmented systems.
Garansure is a next-generation insurance platform designed for MGAs. Manage brokers, partners, products, underwriting workflows and policy administration from a single platform. Built with GDPR compliance and DORA readiness in mind, Garansure helps MGAs scale distribution while maintaining governance, transparency and operational resilience.
Who is this solution for?
This solution is designed for Managing General Agents (MGAs), delegated authorities, specialty insurance distributors and insurance intermediaries who need to manage products, broker networks and underwriting operations efficiently.
Whether you distribute products on behalf of one insurer or multiple carrier partners, Garansure provides the flexibility to manage the entire insurance lifecycle from quotation to policy administration.
Pain points facing MGAs
Dependence on multiple systems
Many MGAs rely on spreadsheets, broker portals, underwriting tools and policy management systems that do not communicate effectively, creating operational inefficiencies, duplicated work and increased risk.
Managing growing broker networks
As distribution expands, onboarding, supporting and monitoring brokers becomes increasingly difficult without centralized controls and visibility.
Complex underwriting processes
Manual underwriting reviews and approval workflows can slow down policy issuance, create bottlenecks and reduce responsiveness to brokers and clients.
Limited product flexibility
Launching new insurance products often requires significant development effort, dependence on insurer systems and lengthy change requests.
Integration challenges
MGAs need to connect with insurer pricing engines, underwriting services, payment providers, external data sources and other third-party systems.
Regulatory and operational requirements
Growing MGA operations require stronger governance, auditability and resilience to satisfy insurer partners, regulators and internal stakeholders.
How Garansure solves these challenges
Operate as an independent digital MGA
Garansure enables MGAs to operate their own branded insurance platform, managing products, brokers and policy operations independently while maintaining connectivity with insurer partners
Manage brokers from one platform
Easily create and manage broker accounts, partner organizations and delegated distribution networks through configurable access controls, permissions and workflows
Delegated underwriting
Garansure ships with a delegated underwriter profile, with specific underwriting permissions. Underwriters can review, approve, reject or refer policies based on business rules and risk criteria
Integrate with any pricing API
Garansure can connect to insurer rating engines, pricing services or external APIs. Support one or multiple insurers
Scale across products, insurers and partners
Launch multiple products, support multiple insurers and manage multiple distribution channels from a single platform without increasing operational complexity
Strengthen compliance and governance
Garansure provides audit trails, role-based permissions and operational controls to support GDPR compliance and strengthen resilience in line with DORA requirements
Launch products faster
Configure insurance products, coverages, eligibility rules and distribution settings without lengthy development projects, enabling faster time-to-market
Feature mapping
| MGA Requirement | The Garansure solution |
|---|---|
| Broker network management | A simple and intuitive broker & partner management system |
| Delegated underwriting | Underwriter roles & approval workflows with audit trail |
| Product configuration | A robust but flexible insurance product builder |
| External pricing engines from multiple brokers | Custom API integration per product to handle multiple insurer pricing engines |
| Policy administration | Policy lifecycle management directly from the platform |
| Partner distribution | Easily active and deactivate products on a per-broker basis |
| Governance & compliance | Audit logs & access controls build in |
| Multi-brand operations | Whitelabel branding per product and per broker (optional) |
Example workflows
Broker submission and underwriting approval
- A broker submits a quote request through the platform.
- Eligibility and validation rules are applied automatically.
- The submission is referred to an underwriter if required.
- The underwriter reviews and approves the risk, adds a premium, or requests more information.
- The policy is issued and recorded.
- All actions are tracked through a complete audit trail.
Onboard a new broker
- Create a broker account.
- Add rules such as commissions
- Configure branding and white-label settings if required.
- Assign products.
- Send a platform invite to the partner.
- Monitor activity and performance from a centralized dashboard.
Manage products from different insurers
- Each product is configured to a separate insurer quote engine or API.
- Define underwriting and approval rules per product.
- Distribute products through broker networks.
Why MGAs choose Garansure
We are continually updating Garansure to empower your underwriting.
- Launch insurance products faster
- Manage brokers and partners from a single platform
- Support for delegated underwriting workflows
- Integrate with any insurer pricing or rating API
- Provide white-label portals to brokers and partners
- Maintain GDPR-compliant data governance
- Strengthen operational resilience with a DORA-ready framework
- Maintain complete auditability and control
- Scale distribution without increasing operational complexity
Why Garansure is different
Unlike traditional insurance software that focuses solely on policy administration, Garansure combines product configuration, broker management, underwriting workflows, digital distribution and policy lifecycle management within a single platform.
MGAs can operate independently, support multiple insurer relationships, integrate custom pricing APIs and maintain full control over underwriting and distribution operations.