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For MGAs, MGUs, and program administrators

Apply appetite and delegated authority consistently, with reasons attached.

Adjustly reads inbound risks, applies program rules and authority limits, prepares referrals, and keeps the underwriting record visible without replacing carrier systems.

Run a representative submission
Configured rules determine the authority result. AI helps explain, summarize, and draft. Underwriters and carrier partners retain approval authority.

What Adjustly enables

From inbound risk to an explainable authority result

Program intake

Collect broker submissions through email, a public link, or manual entry.

Risk reading

Structure operations, exposure details, loss information, locations, vehicles, and missing items.

Program appetite

Apply deterministic program rules and return in-appetite, refer, or decline outcomes with reasons.

Authority triage

Evaluate configured TIV, loss-count, workers-comp EMR, and catastrophe-exposure limits.

Referral preparation

Draft a carrier referral memo from the stored risk and authority result for human review.

Program record

Retain risk snapshots, markets, referrals, decisions, placement activity, and operational exports.

The workflow

A repeatable path from intake to recorded outcome.

  1. 1

    Receive

    A broker or producer submits the risk and supporting documents.

  2. 2

    Structure

    Adjustly builds the commercial profile and highlights missing information.

  3. 3

    Apply appetite

    Program rules return in-appetite, refer, or decline results with reasons.

  4. 4

    Check authority

    Configured limits classify the risk as within authority, referral required, or outside program.

  5. 5

    Prepare referral

    When referral is needed, Adjustly can draft the carrier memo for underwriter review.

  6. 6

    Record the result

    The real underwriting and bind occur in carrier systems; Adjustly keeps the program history.

Why it matters to a program team

Consistent authority checks

Apply the same configured limits across inbound submissions instead of relying on a manual checklist.

Explainable referrals

Show which limit triggered the referral and give the underwriter a prepared starting point.

Human underwriting control

Keep review, exceptions, carrier approval, and actual binding with the responsible people and systems.

Visible program activity

Keep submission, referral, decision, and placement context together for operational review.

Clear authority boundaries

Clear boundaries make the operating model easier to trust.

Adjustly prepares and records
People and existing systems remain authoritative
Adjustly evaluates configured program rules and delegated-authority limits.
Carrier contracts and human underwriting remain authoritative.
Adjustly can record a risk as placed after the real bind is completed.
Adjustly does not make coverage effective or e-bind on carrier paper.
Adjustly supports basic book and operational exports.
Carrier-specific bordereaux and vendor integrations require separate validation.

See it run on representative work.

Bring a real workflow and representative submission structure. We will walk through reading, rules, preparation, human review, and the operational record.

Request a working demo