Delegated authority works when every decision can be traced to its limits.
An MGA can move quickly only while capacity providers can see that product, pricing, underwriting, and reporting remain inside the authority they delegated.
The product, authority rules, referral evidence, documents, and bordereau outputs can share one versioned record from submission through reporting.
Control depends on seeing where responsibility moves.
Every relationship below belongs to the same operating record. The responsibility may change hands, but the product intent and evidence should not disappear between them.
- CapacityCapacity terms identify the paper, limits, territories, and period available to the programme.
- DelegationThe binder defines which decisions the MGA may make and where approval is required.
- ProductCoverage, pricing, and underwriting rules express the programme approved by the carrier.
- DistributionPartner and channel permissions control how the delegated product reaches the market.
- BordereauRequired fields are captured during the transaction instead of reconstructed at month end.
The governed record keeps product, authority, evidence, and reporting continuous across the relationship.
Referral and bordereau evidence
The same authority evaluation that guides underwriting remains available to reporting.
The record preserves what was approved, what governed the decision, and what can be reported later.
- Capacity rule
- The evaluated rule shows the exact capacity restriction relevant to the submission.
- Referral reason
- The exception records which delegated limit was exceeded and what evidence is needed.
- Approval record
- Carrier or senior underwriting approval is attached to the transaction and product version.
- Bordereau field
- The reporting value is sourced from the governed fact captured during underwriting.
Review how AllegoryOS can make delegated authority visible inside the work, not reconstructed after it.
Bring the operating relationship you need to govern. We will examine how its product, authority, and evidence can remain connected.