How a mid-market commercial property MGA transformed post-bind operations, achieving 82% straight-through processing on evidence collection and cutting turnaround from weeks to under an hour.
The Challenge
As a mid-market MGA operating on delegated authority across 15+ states, every post-bind gap creates risk.
Post-bind, the MGA needs dozens of documents per policy — elevation certificates, inspection reports, alarm verification, loss runs, signed applications. Brokers submit incomplete packages, responses arrive in fragments across email threads, and the ops team spends weeks chasing outstanding items.
Which elevation certificate formats are acceptable? When does a loss run require escalation? What constitutes valid alarm verification for a coastal property vs. inland? These rules live in the heads of 2–3 senior ops staff with 15+ years of experience.
As an MGA operating on delegated authority, every gap in post-bind evidence is audit risk. Carriers review binding authority annually, and documentation gaps can mean lost authority — an existential threat.
The Solution
Three capabilities that addressed each challenge directly.
Oakie builds evidence requirements directly from carrier guidelines and policy forms. The system identifies what's missing from each submission, generates specific follow-up requests, and tracks outstanding items across all broker relationships in real time.
Oakie extracted acceptance criteria from historical files and senior staff decisions. What makes an elevation certificate acceptable? Which loss run formats satisfy which carriers? 15 years of tribal knowledge, made consistent, trainable, and auditable.
Every policy file is continuously checked against carrier requirements. The system flags gaps before audits find them, auto-generates evidence status reports for carrier reviews, and creates an audit trail for every evidence decision.
The Results
Business outcomes
Binding authority renewed with zero findings
Faster turnaround strengthened top-producer partnerships
Same ops team, triple the policy volume
Currently processing post-bind evidence for new and renewal policies across all active programs. System handles 82% of evidence items without human intervention.
