MGA software covers four jobs: products and rating, binding policies, bordereaux to capacity providers, and claims. Insly, JAVLN, InsuredHQ, Federato and Regure cover policy plus claims in one platform. ClaimsGateway (claimsgateway.com) is the claims layer, run beside a policy system. The choice is one platform for everything, or a specialist for each job.
Key takeaways
- An underwriting agency, or MGA, needs software for four jobs: products and rating, binding, bordereaux and claims.
- According to the Underwriting Agencies Council, its more than 130 member agencies are responsible for over $10.5 billion of premium a year.
- Most MGA platforms are policy-first, with claims as one module; a claims platform covers claims in more depth.
- Regure states it generates premium and claims bordereaux on each capacity provider's own template.
- Few global MGA platforms state an Australian presence, so local references and hosting matter.
What does MGA software cover?
MGA software covers the jobs an underwriting agency does for its capacity providers: building products and rating them, quoting and binding policies under the binder, producing bordereaux that report premium and claims to each insurer, and handling claims within the agency's authority. Some platforms do all four; others specialise in one.
The jobs pull in different directions. Product building and rating need flexible underwriting rules. Bordereaux need accurate data in each insurer's format. Claims need workflows, payments and a defensible record for every decision.
Agencies are a large part of the market. According to the Underwriting Agencies Council, its more than 130 members represent the vast majority of Australian agencies, with over $10.5 billion of premium a year. The guide to underwriting agencies explains how they work.
How were these platforms assessed?
Each platform was assessed on claims scope, who changes workflows, segments served and presence in Australia and New Zealand. One row was added: which of the four MGA jobs the vendor says it covers. Every fact was checked on the vendor's own pages in October 2026. Labelling the jobs lets an agency assemble a stack, not just pick a name.
The added row matters because "MGA software" means different things. For one vendor it means policy administration; for another, bordereaux; for another, claims. So the row reports each vendor's own scope.
The order is not a ranking. ClaimsGateway is listed first, as the claims layer, then the platforms that cover policy and claims together. The ClaimsGateway underwriting agencies page describes its approach.
Which MGA software suits Australian underwriting agencies?
Agencies in Australia choose between a claims platform beside their policy system, such as ClaimsGateway, and an MGA platform covering policy and claims together, such as Insly, JAVLN, InsuredHQ, Federato or Regure. JAVLN and InsuredHQ have the clearest local presence. Each entry below uses the same fields.
1. ClaimsGateway
Best for: Agencies that want a configurable claims platform for every scheme, run beside their existing policy system.
Typical customer size / segment: From small brokers to large enterprises, as its own site positions it, with a dedicated page for underwriting agencies.
Key strengths:
- Workflows are configured without developers, so an agency can set each scheme's claims process itself.
- It covers the claim from first notice of loss to close, with payments, fraud detection and AML sanctions checks built in.
- ISO/IEC 27001 certification, and hosting on Microsoft Azure in Sydney.
Claims scope: The whole product.
Who changes workflows: The business, without developers.
Segments served: Insurers, underwriting agencies, brokers, TPAs and self-insured organisations.
Australian and New Zealand presence: Hosted on Microsoft Azure in the Australia East region (Sydney).
MGA jobs covered, as published: Claims. It is not a policy administration or rating system.
Watch-outs: Agencies that want policy administration and rating in the same system as claims will be better served by an MGA platform.
Pricing: Volume-based, set by annual claim volume, with unlimited users. Its pricing page listed plans from AUD 5,500 a year ex GST in October 2026. An implementation fee and a minimum 3-year term apply.
2. JAVLN
Best for: Agencies and underwriters that want policy, quoting, renewals, trust accounting and claims in one local system.
Typical customer size / segment: Australian and New Zealand brokers, agencies and underwriters. Named customers include Aviso Specialty and BMS Insurance Group (javln.com, October 2026).
Key strengths:
- One platform for "quoting, binding, renewals, claims, trust accounting and compliance".
- Data hosted in accredited Australian and New Zealand data centres, as its security page states.
- SOC 2 Type 2 audited, as its site states.
Claims scope: One module of a broking and policy platform.
Who changes workflows: Not stated on its homepage; Capterra reviewers call configuration manual.
Segments served: Brokers, agencies and underwriters.
Australian and New Zealand presence: Offices in Melbourne and Auckland.
MGA jobs covered, as published: Quoting, binding, renewals, claims, trust accounting and compliance.
Watch-outs: Claims is one function among many. According to Capterra, its 7 reviews average 4.4 out of 5, though reviewers mention difficulty running reports.
Pricing: Each product has its own pricing page. Rates were not reviewed for this article.
3. InsuredHQ
Best for: New MGAs and smaller insurers that want policy, billing and claims in one light cloud core.
Typical customer size / segment: Insurers, MGAs, brokers and insurtech start-ups. Named customers include Ivory Insurance and Insurance Wholesale (insuredhq.com, October 2026).
Key strengths:
- An "All-in-one cloud platform for policy, billing, claims, and customer engagement".
- It "lets you pick only the features you need", as its site states.
- Sydney among its three AWS hosting regions, per its privacy policy.
Claims scope: One of several capability areas in a light core.
Who changes workflows: Not stated; its site says it "tailors" features to each business.
Segments served: Insurers, MGAs, brokers, start-ups and insurtechs.
Australian and New Zealand presence: A New Zealand Industry Awards 2024 finalist, with Sydney hosting.
MGA jobs covered, as published: Policy, billing, claims and customer engagement.
Watch-outs: Its privacy policy says ISO 27001 certification is in progress, not held.
Pricing: Not published.
4. Insly
Best for: MGAs that want to build products without code, with distribution, accounting and claims modules.
Typical customer size / segment: MGAs, insurers and brokers. Its named case studies include Ridge Canada Cyber Solutions and Alta Signa (insly.com, October 2026).
Key strengths:
- A product builder to "Build any non-life insurance product in weeks, rather than months, without writing code or involving developers."
- A claims module that "suits any line of business".
- Distribution and accounting modules alongside.
Claims scope: One module of a policy and accounting platform.
Who changes workflows: The business, for products, through the product builder.
Segments served: MGAs, insurers and brokers.
Australian and New Zealand presence: No Australian or New Zealand customers appear on its homepage.
MGA jobs covered, as published: Product building, distribution, accounting and claims.
Watch-outs: Its named customers sit outside Australia, so ask for local references.
Pricing: Not published. Its site promises "Low upfront costs. Fast set-up."
5. Federato
Best for: Carriers and MGAs that want an AI-native core focused on underwriting decisions.
Typical customer size / segment: Carriers, MGAs and MGA aggregators, as its site lists. Logos on its site include QBE and Accelerant (federato.ai, October 2026).
Key strengths:
- It calls itself "The only AI-native core system", built to help users "bind the right risks faster".
- "Policy. Billing. Claims. One system", as its site describes.
- A claims module to "Close the loop between claims and strategy."
Claims scope: One module of an AI-native core focused on underwriting.
Who changes workflows: Not stated on its homepage.
Segments served: Carriers, MGAs and MGA aggregators.
Australian and New Zealand presence: Not stated on its homepage.
MGA jobs covered, as published: Underwriting, policy, billing and claims.
Watch-outs: Its centre of gravity is underwriting, and no Australian presence is stated.
Pricing: Not published.
6. Regure
Best for: MGAs that need bordereaux produced automatically for several capacity providers.
Typical customer size / segment: MGAs. Its site describes a Swiss Lloyd's coverholder in implementation and offers named references under NDA (getregure.com, October 2026).
Key strengths:
- "Premium and claims bordereaux generated from the book on each capacity provider's own template", as its site states.
- Modules for policy administration, underwriting, rating and claims.
- A workflow engine, audit trails and integrations.
Claims scope: One module of an MGA operating platform.
Who changes workflows: Configuration and a workflow engine are listed; who configures is not stated.
Segments served: MGAs.
Australian and New Zealand presence: Not stated on its MGA page.
MGA jobs covered, as published: Policy administration, underwriting, rating, claims and bordereaux.
Watch-outs: No named public customers and no Australian presence are stated, so references need checking under NDA.
Pricing: Not published. Its site says pricing is scoped, with a platform fee and a one-time configuration fee.
One platform or best of breed?
One platform suits a new agency, or one with simple products and claims, because it means fewer systems and integrations. Best of breed suits an established agency whose policy system works but whose claims or bordereaux do not, because it adds depth where it hurts without a policy migration. The deciding question is where the agency's problems sit.
Most established agencies already run a policy system they are reluctant to replace. For them, a claims platform beside it often fixes the hardest problem first: handling claims within authority and proving it to insurers. The claims software list for agencies compares those options.
A new agency faces a different trade. One vendor for products, binding, bordereaux and claims means fewer integrations, even if one module is shallower. Either way, ask each vendor which jobs its platform truly covers, and for an Australian reference doing the same.
Frequently asked questions
What is MGA software?
MGA software is the set of systems an underwriting agency, or managing general agent, uses to run its business: building and rating products, quoting and binding policies, producing bordereaux for capacity providers and handling claims. Some platforms cover all of these; others specialise in one, such as claims or bordereaux.
Which MGA software is used in Australia?
Australian agencies use a mix. JAVLN serves agencies and underwriters from Melbourne and Auckland, and InsuredHQ hosts Australian clients in Sydney. Others use global MGA platforms or their own policy systems, often with a separate claims platform such as ClaimsGateway beside them. Ask vendors for Australian agency references.
Does MGA software include claims?
Often, but as one module. Platforms such as Insly, JAVLN, InsuredHQ, Federato and Regure include claims alongside policy and other modules. Agencies whose claims are complex, high-volume or spread across several insurers often add a dedicated claims platform for more depth, while keeping their policy system.
What is a policy administration system?
A policy administration system is software that manages insurance policies through their life: quoting, issuing, endorsing, renewing and cancelling, along with premium and billing. For an underwriting agency, it usually includes rating rules for each product and the limits of each binder. Claims may be a module or a separate system.
How much does MGA software cost?
Most MGA software vendors do not publish prices and quote based on modules, products, volume and implementation. Regure, for example, describes a platform fee plus a one-time configuration fee. ClaimsGateway, a claims platform, lists plans from AUD 5,500 a year ex GST as of October 2026, plus implementation.
About the author
ClaimsGateway builds cloud claims management software for insurers, underwriting agencies, brokers, TPAs and self-insured organisations in Australia and New Zealand. Every regulator figure in this article links to its source, and every vendor fact was checked on the vendor's own site on the date shown.
Related reading
- Delegated authority claims software: claims under a binder.
- What is a bordereau?: the report capacity providers expect.
- Binders and coverholders: how agency authority works.
Sources
- Underwriting Agencies Council. Home page, checked 21 October 2026. https://www.uac.org.au
- Regure. "MGA insurance software." Checked 22 October 2026. https://www.getregure.com/solutions/mgas/
- Federato. Home page, checked 22 October 2026. https://www.federato.ai
- Capterra. "JAVLN Platform." Read through search results, 16 October 2026; full review text not collected. https://www.capterra.com/p/209349/JAVLN/
- Vendor websites, checked 16 to 22 October 2026: javln.com, insuredhq.com, insly.com, claimsgateway.com.
