Carrier-grade insurance software built for MGAs and program administrators

OneShield gives MGAs, MGUs, and program administrators the carrier-grade functionality they need to operate under delegated authority with confidence. Manage the full insurance lifecycle, from quote-to-bind through claims and reporting, across multiple carrier programs on a single platform. With AI built into the workflow, OneShield helps you automate bordereaux reporting, accelerate submission intake, and launch new programs faster.

Core MGA functionality for delegated authority operations

OneShield provides MGAs with end-to-end functionality across the insurance lifecycle: submission intake, underwriting, quote-to-bind, policy issuance, renewals, commissions, claims administration, bordereaux generation, and carrier reporting.

Policy

Policy Administration for Managing General Agents
Manage the full policy lifecycle from submission through renewal across multiple carriers and writing companies. OneShield supports streamlined underwriting with configurable bind or bind-and-issue workflows, straight-through processing for qualifying submissions, and out-of-sequence endorsement handling.

Key functionality:

• Support for multiple carriers and writing companies
• Configurable underwriting workflow automation with referral rules and authority limits
• Quote-to-bind processing with straight-through automation for qualifying submissions
• Reinsurance tracking capabilities
• Quota-share and subscription policies
• Configurable program rules for each carrier agreement and delegated authority arrangement
• Flexible package and program support
• Entity management across the policy lifecycle

Billing

Billing, Commissions, and Account Reconciliation
Handle the financial complexity of multi-carrier MGA operations, from premium collection and commission tracking to carrier remittance and account reconciliation. OneShield supports direct bill, list bill, and agency billing models with configurable payment plans, automated invoicing, and multi-payor scenarios.

Key functionality:

• Direct bill, list bill, and combined account billing options
• Agent, broker, and customer portals for streamlined payment processing
• Invoicing for agency-billed and multi-payor scenarios
• Commission tracking, calculation, and reconciliation across carrier programs

Claims

Claims Management for MGAs and Program Administrators
Manage claims from first notice of loss through resolution, with carrier and reinsurer reporting built in. OneShield supports FNOL intake via web portal, email, or manual entry, third-party portal access for independent adjusters and carrier audits, and configurable workflows for claims assignment, reserving, and payment processing.

Key functionality:

• Capture and store new loss notices (including FROI/SROI) via web portal, email, or manual entry
• Third-party portal support for independent adjusters, TPAs, and carrier audits
• Agency and customer portals for reporting and tracking loss statuses
• Claims data feeds and reporting for carrier and reinsurer partners

Reporting

Reporting and Bordereaux for MGA Operations
Produce the bordereaux and carrier-ready reports your delegated authority agreements require, directly from the platform's shared data model. Because policy, billing, and claims data lives in a single system, reporting is accurate without manual reconciliation across disconnected sources.

Key functionality:

• Generate carrier-ready bordereaux for premium, claims, and loss data
• Embedded analytics with Microsoft Power BI for operational and financial reporting
• Configurable data extracts in XML, CSV, and flat file formats for carrier and reinsurer partners
• Commission tracking and reconciliation reports

Why MGAs choose OneShield

• Manage Multiple Carrier Programs on One Platform
  Configure carrier-specific underwriting rules, pricing, and workflows for each program without managing separate systems. For MGAs with more complex operations, OneShield Enterprise offers deeper configurability on the same unified architecture.

• Launch New Insurance Programs Faster
  Pre-loaded insurance content, reusable workflows, and a configurable rating engine let you stand up new programs quickly. OneShield reduces the time from concept to bound policy with configuration, not custom code.

• Configure Rules for Every Carrier Agreement
  Configure each program's underwriting workflow automation, authority limits, and processing rules to match your carrier agreements, keeping delegated authority operations audit-ready.

• Policy, Billing, Claims, and Reporting in One Platform
  Policy administration, billing, rating, claims, and reporting are integrated with a shared data model. Generate bordereaux, track commissions, reconcile accounts, and produce carrier-ready reports from the same source of truth.

• Pre-Built Content Across 60+ Lines of Business
  Pre-built insurance content, rules, and workflows across 60+ lines of business. Add new lines, enter new states, and adapt to changing program requirements without starting from scratch.

• Vendor-Led Implementation, No SI Required
  OneShield leads all implementations directly with deep insurance domain knowledge. No third-party system integrators adding cost or complexity.

Intelligent automation across your MGA operations

Summarize and Query Claims Documents

Ask questions, generate event timelines, and surface critical details across large claim files. Reduce manual review time while maintaining the consistency carriers expect.

Serve Policyholders 24/7 With Omnie

Omnie answers policyholder questions about policies, billing, and claims around the clock. Specialized requests route automatically to your underwriting or service teams.

Deploy Custom AI Agents for Your Operations

Design and deploy AI agents built around your workflows, terminology, and business rules in OneShield AI Hub. Works alongside OneShield Market Solutions, OneShield Enterprise, or any existing core system.

Frequently Asked Questions

What is the right core system for an MGA?

The right MGA core system depends on your operating model, carrier relationships, and growth trajectory. OneShield offers two carrier-grade platforms: OneShield Market Solutions, a managed-service core system with pre-loaded insurance content and subscription pricing, and OneShield Enterprise, a highly configurable platform for MGAs with more complex operations. Both deliver full policy administration, billing, and claims on a unified data model, giving MGAs the functionality carriers expect from their delegated authority partners.

What technology does an MGA need to scale into new programs and states?

Scaling an MGA requires a core platform that supports multiple carrier programs, lines of business, and jurisdictions without requiring separate technology environments for each. OneShield provides pre-built insurance content across 60+ lines of business, configurable rating engines, and carrier-specific workflow configuration, so MGAs can add new programs, enter new states, and onboard new carrier relationships through configuration rather than custom development.