Insurance MGA Software
Run a modern MGA on one platform
From binding authority to carrier reporting, Openkoda gives coverholders the full stack - product configuration, underwriting, policy admin, billing and bordereaux - with no vendor lock-in.

Launch programs fast
Stand up new products and programs without a services project.
Keep carriers happy
Automated, carrier-ready bordereaux and reporting.
No lock-in
Own your configuration and data; managed or on-premise.
Delegated authority, fully handled
Launch programs quickly, underwrite within authority, and keep carriers happy with automated reporting.
Customizable platform suited to MGA needs
Launch a program without a build project
Products, rating, forms and the workflow around them are configuration, not a development cycle. You can take a program idea to a carrier and be writing business while a traditional build would still be in specification.
Keep capacity providers close
Premium and claims bordereaux come out of the business you have already written, on each program's cadence and in the format that carrier accepts. Reporting becomes a reason capacity stays with you, instead of a scramble at the end of every month.
Own your programme, not just rent a system
Your products, configuration and book stay yours, and On-Premise runs the platform in your own environment, so they are never trapped inside somebody else's roadmap or pricing. If a carrier demands a particular hosting model, you can meet it.

Everything you need in one MGA platform
Product & rating configuration
Define coverages, rating factors and data models yourself, with AI assistance drafting the first version from your wordings. Launching new lines becomes configuration, not procurement.
Underwriting within authority
Your binding limits run as underwriting rules at quote time - sums insured, occupancy, territory, referral triggers. Anything outside authority routes to the carrier instead of quietly binding.
Bordereaux reporting
Premium and claims bordereaux generated from live policy data, on each carrier's template and schedule. No monthly export-and-reconcile ritual, no drift between reports and the business you actually wrote.
Commissions
Producer commissions, ceding fees and profit-share tracked against the same policy records. Statements and settlement runs come out of the platform - one less error-prone corner of MGA operations.
Multi-channel distribution
Branded quote forms, broker portals and partner APIs serving the same rated product. Adding a distribution partner means configuring terms, not rebuilding the front end.
Full policy & claims lifecycle
Quote, bind, endorse, renew, notify, settle. A policy administration system and claims management in one, so the whole insurance lifecycle sits on a single data model.
Up and running, fast
Configure the program
Products, authority and reporting.
Distribute & underwrite
Sell online; rules keep you in authority.
Administer & report
Service the book; report to carriers.
Onboard a new binder
An MGA wins a new binder and needs to be live and reporting quickly.
Configure the program
Set up the product, rating, authority limits and bordereaux format.
Distribute & underwrite
Sell through branded forms; rules keep risks within authority.
Report to the carrier
Premium and claims bordereaux generate automatically each period.
Illustrative example built on Openkoda's demo products.

MGA Software Built for Coverholder Teams
Built for Managing General Agents and coverholders scaling across carriers and programs. Underwriting works within delegated authority, operations onboard new binders without an implementation project, and finance settles commissions against the business that produced them.
Questions, answered
Can we run multiple programs and carriers?
Does it produce carrier bordereaux?
Do we stay in control of our data?
Do we keep underwriting within delegated authority?
Can we start small and scale up?
How fast can we launch a new program?
How does it compare to stitching together separate MGA systems?
Can we build insurance products the platform doesn't ship with?
See Openkoda in your context
Book a live, personalized demo with our product team - tell us your use case and see the platform work with your data. No commitment.