Claims governance for MGAs
Why claims information is an underwriting asset even when settlement authority sits elsewhere.
Claims governance defines how an MGA, carrier, administrator and other partners share authority, information, escalation and learning throughout the claims process.
Authority varies
An MGA may have no settlement authority, limited authority or a larger delegated role. The agreement and claims protocol control.
Feedback improves underwriting
Early claim facts, coverage disputes and severity drivers should inform appetite, pricing and workflow changes.
Measure the handoffs
Notification speed, reserve changes, litigation, complaints and action closure reveal how the operating chain performs.
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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