Empower Delegated Authority Programs with Patra AI Platform

Managing delegated authority presents unique challenges that combine aspects of both underwriting and distribution. MGAs and MGUs must balance carrier requirements, authority compliance, and growth objectives while maintaining efficient operations. In today’s evolving insurance landscape, the increasing complexity of these responsibilities demands sophisticated solutions specifically designed for program business.

By: Steve Forte
Date: May 1, 2025

Addressing the unique challenges of MGAs and MGUs


Wholesale insurance operations contend with distinctive challenges that require specialized solutions:

MGAs and MGUs face specific operational challenges that generic technology solutions fail to address:

  • Authority compliance monitoring across multiple programs and carriers
  • Detailed underwriting documentation requirements
  • Complex program management with diverse coverage forms and endorsements
  • Carrier reporting demands require comprehensive data capture
  • Balancing growth objectives with compliance requirements

As program business continues to expand, MGAs and MGUs that rely on manual processes and generic solutions will struggle to maintain compliance and manage delegated authority while achieving growth objectives.

The Patra AI platform: Purpose-built for MGA/MGU operations


The Patra AI Platform represents a transformative approach to MGA/MGU operations, combining three powerful AI-powered solutions specifically designed for program business. Built on decades of insurance processing experience and trained on millions of insurance documents, the platform delivers unprecedented accuracy, efficiency, and scalability for delegated authority operations.

Quote Compare AI: Transform program growth

In program business, the ability to efficiently analyze and compare submission options directly impacts growth potential. Quote Compare AI modernizes this process by:

Automatically extracting and analyzing data from complex submission documents.

Creating standardized, professional comparisons across program options.

Delivering comprehensive coverage and premium analysis for program business.

Supporting specialized program forms and endorsements with precision.

MGAs and MGUs implementing Quote Compare AI for their insurance quote comparison needs have renovated their quote turnaround time by 70% while maintaining strict authority compliance, enabling program growth without proportional staff increases.

Policy Data Extract AI: Enhance carrier reporting

The data trapped in policy documents represents critical program intelligence needed for carrier reporting and program analysis. Policy Data Extract AI automatically extracts and structures this information with:

Industry-leading 99%+ accuracy.

Support for all major commercial lines and program business.

Comprehensive capture of policy details, coverages, limits, and exposures.

Structured output ready for carrier reporting and program analytics .

With structured, accessible policy data for data extraction, MGAs and MGUs can enhance carrier reporting, improve program performance analysis, and identify opportunities for program expansion.

Workstream flexibility: Adapt to program requirements

The recently enhanced Patra AI Platform now offers expanded workstream flexibility through multiple service options, enabling MGAs and MGUs to:

Enable multi-state program launches without proportional staff increases.

Seamlessly adapt to regulatory changes across jurisdictions.

Dynamically manage capacity during market fluctuations.

Choose the implementation model that best fits your program requirements.

For example, with Policy Checking AI, you can now choose from four flexible service options:

  1. AI-Only: Streamlined automation without human review for maximum efficiency
  2. Self-Service: Direct access to AI technology for in-house teams
  3. Full-Service: Comprehensive managed service with E&O coverage
  4. Custom: White-glove service with tailored workflows and reporting

Similarly, Quote Compare AI offers three distinct options (AI-Only, Self-Service, and Full-Service) to match your specific program requirements.

Businessman using Policy Checking AI Solution

Customer success story: MGA program growth

A specialty MGA using the complete Patra AI suite accelerated their program growth while maintaining strict compliance:

Reduced quote turnaround time by 70%.

Grew program premium by 45% in six months.

Improved bind ratios by 25% .

Achieved 100% authority compliance through automated monitoring.

Enhanced carrier reporting with comprehensive program analytics.

The ability to automate compliance while accelerating growth has been game-changing," explains the MGA's program director. "Patra AI helps us maintain control while scaling operations."
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Frequently asked questions

The Patra AI Platform provides comprehensive automation of compliance verification. Policy Checking AI automatically validates policies against authority parameters and carrier guidelines. Policy Data Extract AI captures and structures data for compliance reporting. The platform maintains detailed audit trails of all activities, enabling MGAs and MGUs to demonstrate compliance to carriers and regulators. The workstream flexibility options allow you to choose the level of oversight that matches your program requirements.

The workstream flexibility options allow MGA/MGU operations to quickly adapt to changing program requirements. For example, when launching a new program or expanding into new states, you can temporarily increase support through full-service options without adding permanent staff. Similarly, during carrier audits or program reviews, you can leverage additional AI-powered support for comprehensive documentation. This flexibility ensures continuity of operations regardless of program changes, regulatory shifts, or market fluctuations.

The Patra AI Platform enables program growth in multiple ways. Quote Compare AI accelerates quote turnaround, improving bind ratios and enhancing producer relationships. Policy Checking AI ensures consistent quality regardless of volume, allowing growth without proportional quality control staff increases. Policy Data Extract AI provides the data insights needed to identify program expansion opportunities and demonstrate performance to carriers. Additionally, the efficiency gains across all solutions allow your team to focus more on program development and less on administrative tasks.

Patra understands the unique challenges of program business and provides specialized support. This includes customization of all solutions to accommodate program-specific requirements, dedicated implementation teams with MGA/MGU experience, and ongoing support from insurance professionals who understand complex delegated authority operations. For full-service and custom implementations, Patra’s team includes specialists in program business who manage the entire process with sensitivity to authority constraints.

The Patra AI platform is purpose-built for commercial lines insurance, covering over 85% of policy volume including BOP/CPP, Commercial Auto, Commercial General Liability Commercial Property, Commercial Umbrella, Cyber Liability, Excess Liability, Professional Liability, and Workers Compensation.

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About Patra

Patra is a leading provider of technology-enabled insurance outsourcing services and AI-powered software solutions. Patra powers insurance processes by optimizing the application of people and technology, supporting insurance organizations as they sell, deliver, and manage policies and customers through our PatraOne platform. Patra’s global team of over 6,500 process executives in geopolitically stable and democratic countries that protect data allows agencies, MGAs, wholesalers, and carriers to capture the Patra Advantage – profitable growth and organizational value.

Patra Director of Product Marketing Steve Forte, Patra Director of Product Marketing Steve Forte

Author

Steve Forte
Director, Product Marketing

Steve Forte is a member of the product management team at Patra and oversees product marketing focusing on retail agencies & brokers, wholesalers, MGAs/MGUs, and carriers. Steve brings over 20 years of P&C insurance business and technology experience and over 15 years of pragmatic marketing experience in software services and solutions for small, medium, and large businesses.