How MGA audits work
What delegated-authority audits test and how operators should prepare.
An MGA audit examines whether underwriting and related activities comply with the delegated agreement, law, policy and the carrier’s control expectations.
Typical scope
Reviews may cover underwriting files, authority, referrals, pricing, documentation, premium handling, sanctions, complaints, claims and data quality.
Evidence over theater
The strongest preparation is a consistently operating control environment. A temporary audit room cannot substitute for ordinary records.
Close the loop
Findings need owners, due dates, validation and lessons that improve the underlying workflow.
Use the structure to ask better questions.
The label is only a starting point. Authority, economics, risk ownership, data rights and governance determine how an arrangement works in practice. Decision-makers should test the underlying evidence and contract rather than infer quality from terminology alone.
This guide provides a high-level educational overview. Market terminology and legal obligations vary by jurisdiction and agreement. MGA Index updates reference pages when material market practice changes.
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