MGA Encompass – Specialist MGA for Property Damage and Liability Cover
MGA Encompass, founded in 2015, provides all-in-one cover for SMEs that need property damage and liability insurance, spanning contractors, warehousing, retailers, manufacturers, offices, and property owners. That range of industries meant it needed insurance products flexible enough to fit each SME’s specific needs.
The Challenge: Build a Digital Underwriting System From Scratch, in Two Weeks
Building an underwriting system from nothing is no small task, especially one flexible enough to handle varied customer needs. MGA Encompass had never traded its products on an online platform before and had been relying on email to communicate with brokers and Excel and Word to calculate premiums and produce policy documents.
It wanted to move away from that manual process to a cloud-based underwriting platform with a broker portal and needed it ready in time to showcase at that year’s BIBA Conference in Manchester, in just two weeks.
Building the Broker Portal With Insly
Insly worked with MGA Encompass to build an integrated underwriting system inside that two-week window, focused on making the broker experience as intuitive as possible. The resulting platform included:
- A straightforward online quote form, so brokers could get an accurate quote from MGA Encompass quickly rather than working through a long, manual process.
- A rating engine to calculate premiums, with an automated referral system that flags complex cases for underwriter review and lets straightforward ones through automatically, speeding up quote turnaround for brokers.
- Automated document generation, replacing manual Word and Excel templates, with documents built from MGA Encompass’s own templates and stored via a OneDrive connection so brokers could track and edit them securely.
- A Simplified underwriting workflow that made it easy for brokers to get quotes from Encompass without needing technical expertise, cutting the manual admin behind every quote.
The Result: A Broker Portal Ready for BIBA
MGA Encompass showcased its new Property Owners product and broker portal at BIBA 2022, its first time trading products through an online platform. Broker feedback was positive, brokers commented on how quickly they could enter information and get a quote out and how professional the system looked.
Since then, MGA Encompass has kept growing its product range, which now covers everything from commercial combined and cyber crime to directors’ and officers’ liability.
Insly is built as low-risk insurance software: a modular platform that covers the entire insurance lifecycle, so MGAs can launch broker-ready products in weeks rather than months without the financial risk of a costly, drawn-out rebuild. Nora, Insly’s AI layer, now adds AI-powered submission, underwriting and claims automation on top of that foundation.
We work with 70+ MGAs and insurers and on average our customers handle double the gross written premium they managed on their previous systems.
