Solutions
Managing general agents and wholesale brokers operate at a scale and complexity that retail-focused AMS platforms cannot support. PrizMova was built for the way you actually work.
MGAs and wholesalers sit at the intersection of retail agents, carriers, and regulators — and the operational demands of that position are fundamentally different from what a retail agency faces. You manage relationships with hundreds of retail agents who submit business to you. You hold binding authority from carriers who expect accurate reporting, premium reconciliation, and compliance with underwriting guidelines. You operate across multiple states, each with its own surplus lines regulations, tax calculations, and filing requirements. And you need technology that integrates with carrier systems, retail agent workflows, and your own internal operations simultaneously.
Most agency management systems are designed for a retail agency with a single office, a single book of business, and a single set of client relationships. They fall apart when you need multi-agency management, retail agent portals, binding authority workflows, carrier reporting, and multi-state compliance tracking. The result is a patchwork of spreadsheets, custom databases, and manual processes that creates operational risk and limits your ability to scale.
PrizMova's MGA management software addresses the unique requirements of managing general agents and wholesale brokers with purpose-built capabilities for every aspect of your operation.
Your business model involves managing relationships and business flow from dozens or hundreds of retail agents. PrizMova's multi-agency architecture lets you track submissions, policies, and commissions by producing agent, with full visibility into which retail agents are driving volume, which are submitting quality risks, and which need attention. Each retail agent relationship has its own commission schedule, submission history, and performance metrics. Roll up reporting across your entire retail network or drill down into individual agent performance — all from a single dashboard.
When you hold binding authority from a carrier, every bound policy must fall within the carrier's underwriting guidelines, and every deviation requires referral. PrizMova enforces binding authority rules at the system level. Define carrier appetite parameters, coverage limits, acceptable class codes, and geographic restrictions. When an underwriter binds a risk within authority, the workflow completes automatically. When a submission falls outside authority parameters, the system flags it for referral and routes it to the carrier for review. Every binding decision is logged with an audit trail that satisfies carrier audits and regulatory examinations.
Surplus lines compliance is the operational headache that keeps MGA compliance officers awake at night. Every state has different surplus lines tax rates, filing deadlines, diligent search requirements, and stamping office procedures. PrizMova's compliance engine maintains a current database of all 50 states' surplus lines regulations and automates the entire compliance workflow. When a surplus lines policy is bound, the system identifies the applicable state requirements, calculates taxes and fees, generates diligent search documentation, and creates filing tasks with regulatory deadlines. Multi-state placements are handled automatically — no manual research into each state's requirements.
MGAs have reporting obligations to their carrier partners that go far beyond what a retail agency deals with. Monthly bordereaux, premium reconciliation, loss ratio reporting, and underwriting performance summaries are standard carrier requirements. Generating these reports from a retail-focused AMS typically involves exporting data, manipulating it in spreadsheets, and manually compiling it into carrier-specific formats.
PrizMova integrates with carrier systems via IVANS and direct API connections, enabling automated data exchange for policy issuance, premium reporting, and claims data. Bordereaux reports are generated automatically in carrier-specified formats. Premium reconciliation runs continuously, flagging discrepancies before they become audit findings. Loss ratio reporting pulls from PrizMova's claims data to provide carriers with current performance metrics. Your carrier relationships are strengthened by consistent, accurate, and timely reporting — without the manual effort.
MGAs and wholesalers often have integration requirements that go beyond standard AMS functionality. You might need to connect PrizMova to a proprietary rating engine, a third-party data provider, a retail agent submission portal, or a carrier's policy administration system. PrizMova's API-first architecture makes these integrations straightforward.
The Enterprise plan includes full REST and GraphQL API access with comprehensive documentation, sandbox environments, and webhook support. Build custom integrations that push and pull data between PrizMova and your other systems in real time. Create automated workflows that span multiple platforms. Connect your retail agent submission portal directly to PrizMova's submission management engine. The API handles authentication, rate limiting, and data validation — your development team focuses on business logic, not plumbing.
Your retail agents need visibility into the status of their submissions without calling or emailing your underwriting team for updates. PrizMova's retail agent portal provides each producing agent with a secure, branded view of their business: submission status tracking, policy details, commission statements, and document access. Retail agents submit new business directly through the portal, attach supporting documents, and track progress from submission through quoting and binding. This self-service capability reduces the volume of status-check calls and emails your team handles daily, while giving retail agents the transparency they expect from a modern wholesale partner.
MGAs and wholesalers require the full breadth of PrizMova's capabilities. The Enterprise plan at $2,999 per month is designed specifically for organizations with your operational complexity. Enterprise includes unlimited users, ARIA AI with overnight autonomous operations, the Commercial Lines Hub with full submission management, multi-agent AI orchestration, SAML SSO for enterprise identity management, REST and GraphQL API access, and a dedicated customer success manager who understands MGA operations.
For smaller wholesale operations evaluating PrizMova, the Growth plan at $1,299 per month provides ARIA AI, the commission engine, compliance automation, and up to 25 users. Every plan includes a 14-day free trial with full access to all features. No credit card required.
Built for Wholesale Complexity
50-state surplus lines compliance with automated tax calculations, diligent search documentation, filing deadline management, and stamping office procedures.
Full submission lifecycle management with carrier appetite matching, COI automation, loss run parsing, endorsement workflows, and premium audit tracking.
REST and GraphQL APIs with webhook support, sandbox environments, and comprehensive documentation. Build custom integrations with carrier systems and retail agent portals.