{"id":3158,"date":"2025-07-31T10:42:31","date_gmt":"2025-07-31T10:42:31","guid":{"rendered":"https:\/\/dev.opendesignsin.com\/insillion\/?p=3158"},"modified":"2026-01-08T08:35:21","modified_gmt":"2026-01-08T08:35:21","slug":"mga-insurance-model-risk-capacity-basics","status":"publish","type":"post","link":"https:\/\/dev.opendesignsin.com\/insillion\/blog\/mga-insurance-model-risk-capacity-basics","title":{"rendered":"How to Start an MGA: Understanding Risk, Paper and Capacity Providers"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1339.52px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><h2><b><span data-contrast=\"auto\">Introduction\u00a0<\/span><\/b><\/h2>\n<p><span data-contrast=\"auto\">For founders, underwriters, or anyone in the early stages of building an MGA, the learning curve can be steep. Industry jargon can be confusing, and some concepts hard to grasp. <\/span><span data-contrast=\"auto\">And yet, now's the time. In 2023, the U.S. MGA market surpassed <\/span><a href=\"https:\/\/www.insurancebusinessmag.com\/us\/news\/wholesale\/102-billion-and-climbing-why-mgas-are-taking-over-the-insurance-game-527341.aspx\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">$102 billion<\/span><\/a><span data-contrast=\"auto\"> in direct premiums written\u2014a 13% jump from the year before. This trend underscores the expanding role of MGAs in the insurance industry, making it an ideal time to enter the space.<\/span><span data-ccp-props=\"\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This is where <\/span><b><span data-contrast=\"auto\">MGA 101<\/span><\/b><span data-contrast=\"auto\">:<\/span><span data-contrast=\"auto\"> a series of discussions between industry experts <\/span><a href=\"https:\/\/www.linkedin.com\/in\/christopher-lowell\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Chris <\/span><span data-contrast=\"none\">Lowell<\/span><\/a><span data-contrast=\"auto\"> (Managing Director,<a title=\"Website\" href=\"https:\/\/innsure.org\/\" target=\"_blank\" rel=\"noopener\"> InnSure<\/a>) and <\/span><a href=\"https:\/\/www.linkedin.com\/in\/somiljainconsulting\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Somil <\/span><span data-contrast=\"none\">Jain<\/span><\/a><span data-contrast=\"auto\"> (Principal & Sr. Consulting Actuary, <a href=\"https:\/\/lewisellis.com\/\" target=\"_blank\" rel=\"noopener\">Lewis and Ellis<\/a>), comes in. Having spent years launching, scaling, and advising MGA programs, they simplify key concepts surrounding Risk Capacity\u2014offering real, practical insights on not just entering the MGA space, but thriving in it.\u00a0<\/span><\/p>\n<p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/pKN7tfIMTA8?si=WBfGLex-UUqD3nk1\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2>What Is a Managing General Agent (MGA)?<\/h2>\n<p>A Managing General Agent (MGA) acts like a mini-insurer, building and selling products without needing to raise millions in risk capital. They develop specialized insurance products that address niche market gaps often overlooked by regular carriers.<\/p>\n<h2>The Big Questions: How do MGAs operate Without Risk Capital \u2013 and How to Start One?<\/h2>\n<p>Here's how it works.<\/p>\n<p>MGAs rely on insurers or reinsurers to back their risk capital, either in full or in part. It can be spread across multiple partners, depending on each party's appetite and how the deal is set up.<\/p>\n<p>Let's understand this in detail, starting with risk's place in insurance.<\/p>\n<h2>Understanding Risk Capacity in Insurance: Why It's Central to MGAs<\/h2>\n<p>Insurance, as a business, earns by putting a price on risk and betting that not every claim will come in at once. What the insured purchases isn't a product or service with a defined cost; it's a promise, priced based on past data of what might happen. Insurers don't know exactly how much an individual would cost them, which is what makes Insurance work. By pooling risks together, an insurance company can better estimate how much a risk should be priced at, on average.<\/p>\n<p>Risk capacity refers to an entity's ability to take on and manage financial risk. It is the money that will cover claims and losses arising from the policies an Insurer or an MGA underwrites.<\/p>\n<p>Since it's meant to cover a large pool of people, risk capacity has to be substantial. According to <a href=\"https:\/\/www.investopedia.com\/terms\/v\/voluntary-reserve.asp?\" target=\"_blank\" rel=\"noopener\">Investopedia<\/a>, most states ask insurers to maintain around 8 to 12 per cent of projected claims in reserve. To put this into perspective, one could, on paper, start an insurer for an amount as low as $50,000, just in risk capital. In reality, no state would authorize the operation of an insurance company for that little (yes, little) money.<\/p>\n<p>If securing this level of risk capital were easy, MGAs would be having very different conversations. This Insurance model is designed in such a way that the financial responsibility of covering claims is separate from the building and distribution of products. While insurers or reinsurers provide the funding for claim obligations, MGAs focus on day-to-day operations such as pricing and underwriting. This is done using operational capital, often from founders themselves or early investors.<\/p>\n<p>Once founders have shortlisted their MGA idea, the next step is to pitch it to capacity providers and insurers with Paper.<\/p>\n<h2>What \"Paper\" Means in Insurance and Why MGAs Need It to Operate<\/h2>\n<p>Paper refers to the license that allows an MGA to underwrite policies and provide insurance services within a given state, not as an agent, but as a risk carrier. Since MGAs don't hold this license themselves, a licensed insurer provides this paper. This lends credibility to the MGA's ability to repay its claims \u2014 or in this case reinforces the capacity provider's obligation to do so. In return, MGAs pay insurers for this access to paper, along with compensation for returns the insurer could've made, had the capital been used elsewhere.<\/p>\n<p>It's important to note that there are cases where the insurer provides only paper, requiring risk capital to be sourced from other partners.<\/p>\n<h2>Understanding the Role of Fronting and Hybrid Carriers in MGA Models<\/h2>\n<ul>\n<li>Fronting Carriers: Also known as Pure fronts, these are insurers that allow MGAs to use only their license.<\/li>\n<li>Hybrid Carriers: These entities take on some percentage of the risk in addition to granting paper.<\/li>\n<\/ul>\n<p>Now let's say an insurer takes on 15% of the risk. What about the remaining 85% risk capacity? MGAs can approach other insurers or even a reinsurer.<\/p>\n<h2>What Reinsurers Do and Why Even Insurers Need Insurance<\/h2>\n<p>A reinsurer provides insurance to insurers. Why? Because even Insurers need protection. Consider this: If a tornado were to hit City A, where every client of Carrier A resides, the resulting claims would be immense. While that sounds improbable today, back in the day, risk was generally shared among those who lived in the same region. This meant carriers were especially vulnerable to localized disasters.<\/p>\n<p>Reinsurers help mitigate this issue by taking on risk from multiple insurers, making up for the lack of geographic diversification. By spreading risk across different regions and insurers, they provide a critical layer of financial stability to the insurance ecosystem. Therefore, while MGAs focus on building and distributing tailored products, reinsurers provide the financial support needed in the form of risk capital.<\/p>\n<h2>Your Next Steps in the MGA Space<\/h2>\n<p>Each insurer and reinsurer come with their own goals and risk appetites, which means founders need to approach each one differently. But where do MGAs actually <a href=\"https:\/\/dev.opendesignsin.com\/insillion\/blog\/mga-risk-capacity-resource-guide\">find these partners?<\/a> What makes <a href=\"https:\/\/dev.opendesignsin.com\/insillion\/blog\/building-mga-capacity-partnerships\">one a better fit than another?<\/a><\/p>\n<p>We cover these questions and more in the next video in this series. While this conversation clarifies some foundational concepts, the next one dives deeper into the questions above and more. <span class=\"TextRun SCXW49405793 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW49405793 BCX0\">Stay tuned for more insightful discussions to come.<\/span><\/span><\/p>\n<h2>Frequently Asked Questions<\/h2>\n<\/div><div class=\"accordian fusion-accordian\" style=\"margin-top:8px;--awb-margin-top:8px;--awb-border-size:1px;--awb-icon-size:16px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:right;--awb-hover-color:var(--awb-color2);--awb-border-color:var(--awb-color3);--awb-background-color:var(--awb-color1);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color6);--awb-title-color:var(--awb-color7);--awb-content-color:var(--awb-color6);--awb-icon-box-color:var(--awb-color8);--awb-toggle-hover-accent-color:var(--awb-color7);--awb-toggle-active-accent-color:var(--awb-color6);--awb-title-font-family:var(--awb-typography1-font-family);--awb-title-font-weight:var(--awb-typography1-font-weight);--awb-title-font-style:var(--awb-typography1-font-style);--awb-title-font-size:16px;--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-right fusion-toggle-icon-unboxed\" id=\"accordion-3158-1\"><div class=\"fusion-panel panel-default panel-fddb45e2fa6bb77df fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color6);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_fddb45e2fa6bb77df\"><a aria-expanded=\"false\" aria-controls=\"fddb45e2fa6bb77df\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-3158-1\" data-target=\"#fddb45e2fa6bb77df\" href=\"#fddb45e2fa6bb77df\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-angle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-angle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What does a Managing General Agent mean in Insurance?<\/span><\/a><\/h4><\/div><div id=\"fddb45e2fa6bb77df\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_fddb45e2fa6bb77df\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p><span data-contrast=\"auto\">A Managing General Agent is an insurance business model authorized by an insurer to perform functions like underwriting and issuing policies, building and distributing products, and other responsibilities defined within the MGA agreement.\u00a0<\/span><span data-contrast=\"auto\">MGAs often specialize in niche markets where their expertise allows them to accurately assess risks and create specific coverage for unique customer needs.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-3b475df9a402015e4 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_3b475df9a402015e4\"><a aria-expanded=\"false\" aria-controls=\"3b475df9a402015e4\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-3158-1\" data-target=\"#3b475df9a402015e4\" href=\"#3b475df9a402015e4\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-angle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-angle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">How big is the MGA insurance market? <\/span><\/a><\/h4><\/div><div id=\"3b475df9a402015e4\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_3b475df9a402015e4\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p><span data-contrast=\"auto\">Research from Conning shows that 2023, the US MGA Market grew by 13%, exceeding $102 billion in direct premiums written and outpacing growth in the broader property-casualty market (10%).<\/span><span data-ccp-props=\"{\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-de8ecec635f29ca92 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color8);--awb-content-color:var(--awb-color8);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_de8ecec635f29ca92\"><a aria-expanded=\"false\" aria-controls=\"de8ecec635f29ca92\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-3158-1\" data-target=\"#de8ecec635f29ca92\" href=\"#de8ecec635f29ca92\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-angle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-angle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">What is a capacity provider in insurance? <\/span><\/a><\/h4><\/div><div id=\"de8ecec635f29ca92\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_de8ecec635f29ca92\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Within the context of MGAs, capacity providers are entities that provide MGAs with the financial backing needed to cover their claims. These can include individual carriers, reinsurers, alternative capital sources like Insurance-Linked Securities (ILS) and venture capital firms, as well as syndicates formed to jointly support a program.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-1 fusion-content-boxes-1 content-boxes-icon-with-title content-left\" style=\"--awb-border-radius-top-left:12px;--awb-border-radius-top-right:12px;--awb-border-radius-bottom-right:12px;--awb-border-radius-bottom-left:12px;--awb-title-color:var(--awb-color8);--awb-margin-top:16px;--awb-hover-accent-color:var(--awb-color4);--awb-circle-hover-accent-color:var(--awb-color4);--awb-item-margin-bottom:40px;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:#f1f6fc;\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-link-icon link-type-button content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/youtube.com\/playlist?list=PLTnXUxRSolkTm6yV4oQ9jVtwN6jrDVtnX&amp;si=o809VNc-ADBJwU9l\" target=\"_blank\" rel=\"noopener noreferrer\"><h2 class=\"content-box-heading\" style=\"--h2_typography-font-size:24px;line-height:29px;\">Securing Risk Capacity? Get Insider Insight.<\/h2><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p><span data-teams=\"true\">Let the experts break down all the MGA know-how surrounding risk and risk capacity. Navigate capacity conversations and expectations with confidence with our 3-part series.<\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/youtube.com\/playlist?list=PLTnXUxRSolkTm6yV4oQ9jVtwN6jrDVtnX&amp;si=o809VNc-ADBJwU9l\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Watch now<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>For founders, underwriters, or anyone in the early stages of building an MGA, the learning curve can be steep. Industry jargon can be confusing, and some concepts can be hard to grasp.<\/p>\n","protected":false},"author":1,"featured_media":776,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17],"tags":[25],"class_list":["post-3158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-debitis"],"acf":{"event_date":null,"author_name":"Insillion Team","author_image":{"ID":3134,"id":3134,"title":"","filename":"Favicon-2.png","filesize":7655,"url":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/07\/Favicon-2.png","link":"https:\/\/dev.opendesignsin.com\/insillion\/blog\/digital-insurance-mga\/attachment\/favicon-2-2","alt":"Insillion Favicon","author":"1","description":"","caption":"","name":"favicon-2-2","status":"inherit","uploaded_to":3170,"date":"2025-07-31 10:29:21","modified":"2025-10-24 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