For Managing General Agents
Manage your binding authority appetite, communicate underwriting guidelines to producers, and maintain DUA compliance — in one platform. Built for the specific operational needs of commercial lines MGAs with delegated underwriting authority.
What Perilarc solves differently for MGAs
MGAs operate differently from carriers — binding authority, producer relationships, and DUA compliance create distinct operational constraints that generic underwriting tools don't address.
Carrier capacity appetite communication
Your binding authority appetite rules — as defined by your carrier capacity agreements — are encoded in Perilarc's appetite matrix. Changes to carrier appetite are reflected immediately at submission intake, without manual ruleset updates per producer.
Producer-facing appetite summary export
Generate a formatted appetite summary for distribution to appointed producers — showing in-appetite territory, class code, and TIV ranges — without exposing raw matrix configuration. Updated summaries on-demand when appetite changes.
DUA (Delegated Underwriting Authority) reporting
Perilarc's audit log provides submission-by-submission records of appetite screen results and routing decisions — structured for DUA compliance reporting requirements. Configurable reporting periods for carrier review cycles.
Multi-line appetite matrix management
Manage separate appetite configurations for each line your MGA writes — commercial property, E&O, GL, and others — within a single platform. Cross-line appetite conflicts surfaced automatically.
Binding authority utilization tracking
Monitor your binding authority utilization by line, territory, and carrier capacity agreement — in aggregate. Supports proactive capacity management before hitting DUA limits in any line.
NAIC SERFF filing integration
NAIC SERFF accessed as an integration partner for state filing data relevant to your MGA's lines. Rate and form filing data informs appetite and regulatory compliance tracking for multi-state MGAs.
How a multi-line commercial MGA uses Perilarc to control off-appetite submissions and maintain carrier compliance
A commercial lines MGA holds binding authority for commercial property, E&O, and GL across three carrier capacity agreements. Their 18-person producer network submits across all three lines — but producer knowledge of the MGA's current appetite rules is uneven and often outdated.
Before Perilarc, producers were submitting approximately 25–35% off-appetite risks. The MGA's small underwriting team spent significant time declining submissions that should never have been submitted. Carrier DUA reporting required manual compilation from submission records across multiple systems.
With Perilarc, the MGA encoded all three carrier appetite agreements into a structured matrix — separate configurations per line, with CAT zone overlays and TIV caps matching each carrier's specific authority parameters. Off-appetite submissions from producers receive an immediate structured decline notice with the specific appetite parameter that triggered it.
DUA reporting is generated from Perilarc's audit log — per carrier, per line, per reporting period — formatted for the carrier review cycle without manual compilation. Producers receive updated appetite summaries directly from the platform when appetite changes during renewal negotiations.
DUA Compliance Report
Binding Authority Utilization
Connects to the policy systems your carrier capacity uses
Perilarc routing decisions feed directly into your carrier's policy administration system — whether they run Duck Creek Policy, Guidewire PolicyCenter, or Insurity Policy. No re-keying, no middleware gap.
Duck Creek Policy
Routing decisions from Perilarc are passed to Duck Creek Policy via API, with ACORD field mapping preserved. Submission data enriched by risk scoring flows into Duck Creek quote initiation.
Guidewire PolicyCenter
For carrier capacity partners running Guidewire PolicyCenter, Perilarc provides structured submission data and risk score output compatible with Guidewire's submission intake format.
Insurity Policy
Insurity Policy integration enables appetite-screened and scored submissions to move directly into Insurity's commercial lines rating and policy issuance workflow without duplicate data entry.
Ready to structure your MGA's binding authority appetite?
Talk to our team about a structured pilot for your lines, carrier capacity agreements, and producer network.