For small + emerging MGUs, MGAs, and wholesalers

Run your MGU like a bigger shop.

Threshold IQ gives small MGUs and wholesalers one system for submission intake, underwriting workflow, broker follow-up, and execution — so you move faster, stay disciplined, and look carrier-ready from day one.

See a 15-minute walkthrough How we're different

Wholesaler? See the wholesale view →

Built for MGUs, wholesalers, and program teams

One workflow for intake, triage, quote, bind, and billing

Faster broker response without adding headcount

Cleaner data for carriers and capacity partners

The reality on most underwriting desks today

Most MGUs are still clearing and quoting out of Outlook and Excel.

3–4×

Times the same submission gets touched before anyone decides whether it's worth quoting.

3 systems

Where the same broker email gets re-keyed: spreadsheet, AMS, carrier portal.

No answer

When the broker asks "where's that submission?" or the carrier asks "what are you declining?"

The core loop

One workflow from broker email to bound business — and the bordereau that follows.

Intake

Clearance

Quote

Bind

Bill

Bordereau

Every submission lives in one record from the moment it lands. Clearance, underwriting notes, quote terms, bind conditions, and billing events all attach to the same place. Your underwriters spend less time rekeying and more time underwriting. Your brokers stop asking where their submissions went. Your carriers get cleaner data — on time.

When you bind, we hand the policy off to your carrier's policy admin system. We never replace it. Issued policies come back to live in Threshold IQ as your single workflow truth — without disrupting the issuance setup your carriers already require.

What's in the box

Less swivel-chair work. More bound accounts.

Submissions intake + AI extraction

Stop rekeying broker emails.

ACORD PDFs land, get parsed into structured fields automatically, and pre-populate the underwriter queue. Your team verifies — they don't transcribe.

Underwriter queue + clearance

Triage by lead time, class, and broker.

Sorted by what's about to expire, filterable by NCCI class or broker. Egress badges show which carrier portals each submission has been sent to. The clearance log is immutable — no quiet edits, no audit holes.

Broker CRM + producer roster

Every broker, every submission, attached.

Sub-agency hierarchy, producer-by-producer roster, MGU territory manager assignment, decline reasons by agency. Your relationships and your operations live in the same system.

Carrier-ready reporting

What you wrote, what you declined, why.

Funnel by year and broker. Top decline reasons. Win rate by underwriter. MGU economics with gross / paid out / net override. The reports your carrier partners actually ask for — generated, not assembled.

CRM + AMS, not "CRM with AMS bolted on"

Both sides of the desk, in one record.

CRM side

Relationships and revenue.

Brokers, carriers, partners. Outreach, follow-up, pipeline, relationship history. Who you work with, and everything that happens before and after a submission.

AMS side

Operations and obligations.

Submissions, policy data sourced from your carrier PAS, endorsements, billing rollups, and reporting to carriers and reinsurers. What you're responsible for once the business hits your desk.

The system tracks every submission from first email through quote, bind, and bill — in one place. You don't pick CRM or AMS. You stop having to choose. And you don't replace your carrier's PAS — we round-trip with it.

What we're not, on purpose

Built for the wholesaler / MGU shape from day one.

Alternative	Where they win	Where they cost you
Salesforce / HubSpot	Best-in-class generic CRM	Wasn't designed around submissions, carriers, broker hierarchies, bordereaux, appetite rules, or binding authority. You'll spend your budget turning it into an MGA system.
NetSuite	Strong ERP and financials	Heavy for line-level underwriters. Not naturally shaped around complex insurance submissions or program structures.
Guidewire / Duck Creek / eBaoTech	Mature policy admin systems	Built for the carrier buyer, not the MGU operator. 12-18 month implementations, six-figure ACVs, and configuration-heavy. Useful for your carrier partners — not your MGU shop.
Legacy AMS	Some MGU/wholesale features	15-year-old data models, slow product iteration, generic AI bolted on. Most MGUs use them as a system of record but route around them daily.
Building it yourself	Full control	Eighteen months and three engineers from now you have a worse version of what you could buy today. Not a defensible use of MGU economics.

Who it's for, who it isn't

Best for small + emerging shops that need leverage.

Right fit

MGU, MGA, or wholesale shop, $0–$50M GWP
Building or scaling a program book
Currently running on email + Excel + a 15-year-old AMS
Want to look carrier-ready without enterprise headcount
Principal-led decision, not a 9-month procurement

Not for

Direct carriers shopping for a policy admin system
Top-25 brokerages running enterprise stacks
Lloyd's syndicates with bespoke procurement cycles
Anyone looking to replace a working PAS — we round-trip with it, we don't replace it

Working with an MGU on Threshold IQ?

Faster acknowledgments. No black-hole submissions.

Brokers placing business with MGUs running on Threshold IQ get faster quote turnaround, clearer status visibility, and a smoother path to placing hard-to-place business. Less back-and-forth. More bind.

See how a small MGU runs the full loop in 15 minutes.

We'll walk you through a real submission from broker intake to bound policy, against a demo MGU that mirrors your shop's shape. No procurement deck, no platform sermon.

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