GWP grows when MGAs review more submissions, quote faster, and respond more consistently to broker opportunities. The most effective growth strategies focus on increasing underwriting capacity, reducing manual work, and improving early-stage underwriting decisions.
Growing GWP (Gross Written Premium) requires increasing underwriting capacity, speeding up time-to-quote, and capturing a larger share of broker submissions — all driven by operational execution rather than market conditions.
While expanding broker distribution and market access remains important, long-term GWP growth is now determined by how efficiently underwriting teams operate.
McKinsey’s 2025 Global Insurance Report notes that in commercial P&C lines, although where insurers operate is important, the majority of their financial performance is driven by how they operate.
As market conditions soften and growth beyond rate increases becomes essential, MGAs must strengthen the core capabilities that improve how reliably and rapidly they convert existing opportunities. AI-powered submission intake — led by solutions like Brisc’s Submissions Agent — has become a critical enabler, allowing MGAs to process, quote, and win more opportunities with existing teams.
For most MGAs, premium growth is capped not by demand, but by operational friction. Underwriters spend nearly 40% of their time preparing submissions instead of evaluating them. Manual data extraction, inconsistent submission formats, and slow triage reduce throughput, extend turnaround time, and diminish broker confidence.
Submission intake has become one of the biggest drivers of competitiveness. When intake slows, underwriters evaluate fewer risks, brokers wait longer for quotes, and MGAs lose winnable business.
Automation in early-stage underwriting removes these constraints and increases both submission coverage and speed-to-quote — two of the strongest predictors of GWP growth. Brisc enables underwriting teams to process a submission in ~60 seconds instead of 20+ minutes, dramatically increasing the number of opportunities teams can review and quote. Faster intake, more complete data, and more consistent workflows all directly lift GWP.
MGAs that consistently grow GWP excel in a handful of operational disciplines:
Teams using Brisc’s Submissions Agent routinely review 4× more submissions than before, significantly expanding the number of opportunities they can evaluate and quote.
Even high-performing MGAs face structural constraints that limit their ability to grow GWP. Most of these challenges stem from friction in the earliest stages of underwriting — before a single risk is evaluated.
By reducing submission processing time to ~60 seconds and standardizing intake, Brisc eliminates the friction that slows down underwriting teams. This accelerates time-to-quote, increases submission coverage, and improves the reliability of broker-facing SLAs — all essential for GWP growth.
MGAs that consistently grow GWP focus on the operational levers that expand submission coverage, increase quoting velocity, and improve conversion. The most effective strategies are not about doing more work, but about removing friction from the underwriting process so teams can focus on high-value decisions.
GWP growth is a function of how many opportunities an MGA can realistically evaluate. Expanding submission review capacity — without adding headcount — creates immediate potential for premium lift.
Speed remains one of the strongest determinants of bind ratio. Brokers overwhelmingly place business with markets that respond first, even when pricing and terms are comparable.
High-growth MGAs quickly identify appetite fit, complexity, and data quality. Effective triage ensures underwriters spend time on the most promising opportunities and improves overall quote-to-bind performance.
Variability slows underwriting. Standardized, technology-enabled intake processes reduce rework, increase consistency, and create predictable broker-facing turnaround times.
The more time underwriters spend preparing submissions, the fewer risks they can evaluate. Reducing manual tasks increases underwriting throughput and improves portfolio quality.
Brisc automates intake and triage so underwriters can focus on evaluating risk — not chasing down information or re-keying data.
Broker relationships remain one of the strongest drivers of premium growth. Markets that respond quickly, consistently, and clearly are rewarded with more opportunities, better submission quality, and stronger long-term placement performance.
High-growth MGAs strengthen broker relationships by:
Brisc enables MGAs to respond in minutes rather than hours or days, improving hit ratios and making it easier for brokers to do business with your team — a direct driver of GWP growth.
Technology now plays a central role in how quickly and effectively MGAs can process submissions, prepare risks, and quote business. The shift toward AI-enabled underwriting is accelerating because teams are under increasing pressure to grow premium without proportionally increasing operating costs.
AI-enabled submission intake helps MGAs:
Brisc reduces intake time by more than 90%, enabling underwriters to evaluate more opportunities, quote faster, and improve win rates — all core contributors to premium growth.
Underwriting leaders track upstream operational metrics that correlate directly with premium growth. These indicators reveal where capacity is constrained, where opportunities are lost, and where operational improvement can unlock immediate GWP lift.
Key metrics include:
Improvements in these upstream metrics result in predictable increases in bound premium and stronger broker relationships.
GWP growth and underwriting profitability are closely linked. Strong intake processes improve risk selection, accelerate decision-making, and support sustainable portfolio performance.
High-quality intake improves profitability by:
Brisc strengthens underwriting discipline by providing complete, structured submission data at the start of the process — enabling better risk selection and more predictable profitability alongside GWP growth.
The next decade of MGA premium growth will be shaped by accelerating complexity in distribution, underwriting expectations, and operational demands. The most significant trends include:
MGAs that modernize intake and early-stage underwriting will capture more broker flow, improve profitability, and grow GWP faster than competitors that rely on manual processes.
GWP grows when MGAs review more submissions, quote faster, and respond to brokers more consistently than competing markets. Submission capacity, speed-to-quote, and quote-to-bind ratio are the strongest predictors of premium growth.
Quote-to-bind performance improves when MGAs respond quickly, prioritize high-value risks, and deliver clear, accurate quotes. Faster turnaround strengthens broker preference and increases conversion.
Most challenges stem from operational bottlenecks — manual intake, slow triage, inconsistent workflows, and incomplete data — rather than a lack of market demand. These frictions cap throughput and reduce bound premium.
Submission intake determines how quickly an MGA can understand, prepare, and prioritize a risk. Automated intake increases submission coverage, reduces time-to-quote, and improves overall competitiveness.
Brokers often bind with the first suitable market to respond. Faster quoting improves win rates, expands broker flow, and increases the likelihood that MGAs receive the next opportunity.
Technology, particularly AI, accelerates data extraction, improves submission completeness, reduces administrative work, and increases underwriting capacity. These improvements allow teams to review more opportunities and quote faster.
Automation via AI agents like Brisc’s Submissions Agent removes administrative burden and accelerates early-stage underwriting, enabling teams to operate at significantly higher throughput without increasing operating costs.
Brisc automates submission intake and data extraction, reducing processing time to ~60 seconds and increasing underwriting capacity by up to 10×. Faster, more complete intake directly leads to more quotes — and more premium.
Time-to-quote, submission coverage, broker response time, quote-to-bind ratio, and underwriter capacity utilization are the strongest upstream indicators of premium growth.
MGAs will face rising submission volume, heightened broker expectations, and widespread adoption of AI-enabled underwriting. Those that modernize intake and quoting will capture more broker flow and grow GWP faster.
Brisc’s Submissions Agent increases underwriting capacity, accelerates time-to-quote, and helps MGAs capture more premium — without adding headcount.
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