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Markets We Serve / MGAs & Program Administrators
Launch programs and add carriers without adding systems
Delegated authority, multiple carriers, and new lines every quarter. OneShield Market Solutions is built for all three at once.
Core MGA functionality for delegated authority operations
OneShield provides MGAs with end-to-end functionality across the insurance lifecycle: submission intake, underwriting, quote-to-bind, policy issuance, renewals, commissions, claims administration, bordereaux generation, and carrier reporting.
Policy
Policy Administration for Managing General Agents
Manage the full policy lifecycle from submission through renewal across multiple carriers and writing companies. OneShield supports streamlined underwriting with configurable bind or bind-and-issue workflows, straight-through processing for qualifying submissions, and out-of-sequence endorsement handling.
Key functionality:
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Support for multiple carriers and writing companies
Configurable underwriting workflow automation with referral rules and authority limits
Quote-to-bind processing with straight-through automation for qualifying submissions
Reinsurance tracking capabilities
Quota-share and subscription policies
Configurable program rules for each carrier agreement and delegated authority arrangement
Flexible package and program support
Entity management across the policy lifecycle
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Billing
Billing, Commissions, and Account Reconciliation
Handle the financial complexity of multi-carrier MGA operations, from premium collection and commission tracking to carrier remittance and account reconciliation. OneShield supports direct bill, list bill, and agency billing models with configurable payment plans, automated invoicing, and multi-payor scenarios.
Key functionality:
Direct bill, list bill, and combined account billing options
Agent, broker, and customer portals for streamlined payment processing
Invoicing for agency-billed and multi-payor scenarios
Commission tracking, calculation, and reconciliation across carrier programs
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Claims
Claims Management for MGAs and Program Administrators
Manage claims from first notice of loss through resolution, with carrier and reinsurer reporting built in. OneShield supports FNOL intake via web portal, email, or manual entry, third-party portal access for independent adjusters and carrier audits, and configurable workflows for claims assignment, reserving, and payment processing.
Key functionality:
Capture and store new loss notices (including FROI/SROI) via web portal, email, or manual entry
Third-party portal support for independent adjusters, TPAs, and carrier audits
Agency and customer portals for reporting and tracking loss statuses
Claims data feeds and reporting for carrier and reinsurer partners
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Reporting
Reporting and Bordereaux for MGA Operations
Produce the bordereaux and carrier-ready reports your delegated authority agreements require, directly from the platform's shared data model. Because policy, billing, and claims data lives in a single system, reporting is accurate without manual reconciliation across disconnected sources.
Key functionality:
Generate carrier-ready bordereaux for premium, claims, and loss data
Embedded analytics with Microsoft Power BI for operational and financial reporting
Configurable data extracts in XML, CSV, and flat file formats for carrier and reinsurer partners
Commission tracking and reconciliation reports
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Why MGAs choose OneShield
Manage Multiple Carrier Programs on One Platform
Configure carrier-specific underwriting rules, pricing, and workflows for each program without managing separate systems. For MGAs with more complex operations, OneShield Enterprise offers deeper configurability on the same unified architecture.
Launch New Insurance Programs Faster
Pre-loaded insurance content, reusable workflows, and a configurable rating engine let you stand up new programs quickly. OneShield reduces the time from concept to bound policy with configuration, not custom code.
Configure Rules for Every Carrier Agreement
Configure each program's underwriting workflow automation, authority limits, and processing rules to match your carrier agreements, keeping delegated authority operations audit-ready.
Policy, Billing, Claims, and Reporting in One Platform
Policy administration, billing, rating, claims, and reporting are integrated with a shared data model. Generate bordereaux, track commissions, reconcile accounts, and produce carrier-ready reports from the same source of truth.
Pre-Built Content Across 60+ Lines of Business
Pre-built insurance content, rules, and workflows across 60+ lines of business. Add new lines, enter new states, and adapt to changing program requirements without starting from scratch.
Vendor-Led Implementation, No SI Required
OneShield leads all implementations directly with deep insurance domain knowledge. No third-party system integrators adding cost or complexity.
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Client Success
“As a startup MGA, we wanted a partner with functionality in place, the ability to customize, and the capability to add new products or lines of business...and OneShield delivered.”
Intelligent automation across your MGA operations
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Summarize and Query Claims Documents
Ask questions, generate event timelines, and surface critical details across large claim files. Reduce manual review time while maintaining the consistency carriers expect.
Serve Policyholders 24/7 With Omnie
Omnie answers policyholder questions about policies, billing, and claims around the clock. Specialized requests route automatically to your underwriting or service teams.
Deploy Custom AI Agents for Your Operations
Design and deploy AI agents built around your workflows, terminology, and business rules in OneShield AI Hub. Works alongside OneShield Market Solutions, OneShield Enterprise, or any existing core system.
Related resources
See how OneShield supports MGAs and program administrators:
Frequently Asked Questions
Didn't find the answer you were looking for? Feel free to contact us anytime.
What is the right core system for an MGA?
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The right MGA core system depends on your operating model, carrier relationships, and growth trajectory. OneShield offers two carrier-grade platforms: OneShield Market Solutions, a managed-service core system with pre-loaded insurance content and subscription pricing, and OneShield Enterprise, a highly configurable platform for MGAs with more complex operations. Both deliver full policy administration, billing, and claims on a unified data model, giving MGAs the functionality carriers expect from their delegated authority partners.
What technology does an MGA need to scale into new programs and states?
Scaling an MGA requires a core platform that supports multiple carrier programs, lines of business, and jurisdictions without requiring separate technology environments for each. OneShield provides pre-built insurance content across 60+ lines of business, configurable rating engines, and carrier-specific workflow configuration, so MGAs can add new programs, enter new states, and onboard new carrier relationships through configuration rather than custom development.
How does an MGA platform handle bordereaux reporting and carrier compliance?
OneShield generates carrier-ready bordereaux for premium, claims, and loss data directly from the platform's shared data model. Because policy, billing, and claims data lives in a single system, bordereaux reporting is accurate and eliminates the manual reconciliation MGAs typically face when pulling data from disconnected sources. Configurable data extracts support XML, CSV, and flat file delivery on the schedules carriers require, and embedded Power BI analytics provide additional visibility into program performance.
Can an MGA use AI without replacing its core system?
Yes. OneShield AI Hub is a standalone, insurance-specific AI platform that works alongside OneShield Market Solutions, OneShield Enterprise, or any existing core system. MGAs can use AI Hub to automate submission intake, review and summarize claims documents, and deploy custom AI agents for underwriting and operations workflows. AI Hub operates under Zero Data Retention agreements with single-tenant deployment, meeting the security standards carriers expect from delegated authority partners.
What is the difference between a carrier core system and an MGA core system?
A carrier core system is designed for organizations that own the risk and manage the full regulatory and financial lifecycle. An MGA core system must support delegated authority operations: managing multiple carrier programs with distinct rules and pricing, generating bordereaux for each carrier partner, tracking commissions across programs, and maintaining the compliance and audit trail carriers require. OneShield's platforms are built to handle both models, with carrier-grade functionality configured for MGA workflows.
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