Semurg provides a unified working environment for managing an MGA, bringing risk assessment, underwriting workflows, portfolio oversight, bordereaux, accounting and reporting together within a single ecosystem.
Designed to support informed decision-making and efficient portfolio management, the platform enables teams to manage the full operating process consistently, transparently and at scale.
Many MGAs are constrained not by demand, but by the systems and processes required to manage underwriting, reporting, finance and compliance as the portfolio grows.
Semurg connects these functions in one operating environment, giving the MGA access to established infrastructure without building each capability independently.
Every submission, document, conversation, referral and decision stays attached to the risk. Underwriters see the insured, location, terms, limits and complete history in one place.
Automated checks compare each submission against underwriting rules, flag missing or unusual information and route standard risks without delay. Complex cases reach the right person with full context and a complete audit trail. Underwriters retain the final judgement.
Launch new products on an established operating framework. Configure underwriting parameters, authorities and workflows around the programme from day one—without first building finance, compliance and reporting from scratch.
Technical accounting, premium and commission calculations, bordereaux and financial clearing run alongside underwriting, with KYC/AML, sanctions screening and IFRS 17-ready reporting built in for the life of the product.
Access authorised capacities within the same operating environment.
Capacity arrangements, underwriting authorities and programme parameters are embedded into the MGA infrastructure, connecting underwriting activity directly with the capacity supporting each programme.
For customer-facing programmes, OY App turns your product into a complete digital journey: quote, payment, policy, service, claims and renewal. No need to build a separate client app, policy administration or service tools — the whole infrastructure is part of the existing service.
Your customers can buy and manage the product themselves; you retain the relationship, visibility of activity and the commission.
Semurg applies a structured control protocol before and after underwriting authority is delegated.
Technical and financial assessment of the MGA’s loss history, underwriting discipline and operating processes.
Bordereaux and portfolio data are connected to the operating environment for current exposure and accumulation monitoring.
Concentration risk is monitored across the portfolio. Breaches and accumulation limit exceedances trigger review and, where required, capacity adjustment.
Subject to underwriting and approval, Semurg can support structured insurance and reinsurance capacity, fronting arrangements and programme development.
The operating infrastructure can also be used without Semurg capacity.
Suitable customer-facing products can connect to OY for digital onboarding, policy issuance and ongoing servicing.
This gives selected programmes a B2B2C route to market through connected partner and agent networks.
Transparent operations. Controlled accumulation. Less administrative friction.
Use established underwriting, finance, compliance and reporting infrastructure instead of building each function separately.
See exposure, accumulation and performance as data enters the system rather than waiting for the month-end reporting cycle.
Scale distribution and written business while keeping authority, concentration and governance controls visible.
Send us the product, distribution plan and controls intended to support disciplined growth. If the opportunity fits, the next step is a technical review with the underwriting team.