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Our Expertise

Program Business

Merger & Acquisition Services, Inc. has been instrumental in the placements of program business, serving both MGAs and Insurance Carriers.

For MGA clients, our firm’s extensive relationship with numerous insurance carriers helps us quickly work with our client to identify and contact appropriate program administrators for their program. Using a third party for this process helps ensure confidentiality as introductions are only made to program administrators who understand your lines of business and are qualified to implement your program.
Our advisors recognize the unique nature of a program relationship and work throughout the process in optimizing the structure for our client to ensure they maximize the overall value of their program. This industry experience helps assure that you find an appropriate partner based upon your specific needs.

For Carrier clients, our firm is positioned to help identify best in class MGAs to partner with on a program basis. Our extensive MGA database allows us to actively search for properties that meet our client’s requirements by using various criteria, such as premium volume or lines of business.  Furthermore, by conducting confidential searches, our team is able to present opportunities to our carrier clients which are both strategic in nature and deliver favorable underwriting results. Our advisors work hand and hand with our clients throughout this process with the goal of establishing partnerships for the long term.


The Primary MGA Conundrum


Many MGAs continually face operational disruptions from turnover in their program insurance company partners given the short-term cancellation provisions (usually 90 days) found in most MGA Agreements. 

Reasons for the rationale behind a cancellation can include the cyclical nature of profitability in the insurance industry, along with fundamental shifts in an insurance company’s: 

  • Underwriting appetite 
  • Ownership or statutory surplus 
  • Philosophy on programs; and/or 
  • Program oversight personnel

This threat of cancellation, plus restrictive operating terms in most existing MGA Agreements, often requires the MGA principal to spend a disproportionate amount of time searching for new carrier partners. 


The Solution: Develop New and Lasting Business Partnerships Using M&A Services 

Having the ability to “control your own destiny” by developing multiple program insurance company carrier relationships spreads the risk of potential contract cancellations. Additionally, having multiple carrier contracts allows you to expand your current product offerings, geographic territory and diversify your operational risks. A MGA can also benefit by additionally developing relationships with reinsurance companies which may be transportable to other issuing carriers. 

Based on decades of insurance and reinsurance industry knowledge and relationships, M&A Services is a market specialist poised to provide this invaluable program placement service to your practice. 


Other Program Services M&A Services Offers 

  • Specialize in designing, developing, implementing and monitoring Property & Casualty insurance programs, as well as placing any necessary reinsurance behind those carriers on those specific programs 
  • Work with Program Managers to keep all interests aligned and focused on profitability and success
  • Currently over 90 Program Carrier relationships, and growing 
  • Introduce and secure the correct Program Carrier(s) based on unique and specific Program Manager requirements
  • Negotiate Program Manager Agreements with carrier(s)
  • Negotiate Profit Sharing Agreements with carrier(s)
  • Maintain ongoing relationships with carrier(s) to ensure all expectations are being met
  • Negotiate superior renewal terms on Program Manager Agreements/Profit Share Agreements
  • Arrange and host all insurance and reinsurance audits 
  • Continuously strive for existing program expansion or any new program development


To learn more about our Program Business Services, contact our advisors today.

All inquiries are kept strictly confidential.


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