MGA Appetite Guide

Search 49+ Managing General Agents by state, line of business, and industry. Find the right wholesale market for hard-to-place commercial risks.

Select a state or line of business to see which MGAs will write your risk.

How It Works

1. Select a state

Choose the state where the risk is located. Many large MGAs write nationwide; smaller specialty MGAs are often regional.

2. Filter by line of business

Pick the coverage type you need — GL, Workers Comp, Cyber, D&O, and more. MGAs often specialize in one or two lines.

3. Search by industry

Enter the risk type — Restaurants, Contractors, Technology, etc. The tool matches MGAs with appetite for that specific class.

4. Check carrier appetite

Already have a carrier in mind? Use the Carrier Appetite Checker to see which admitted carriers will write the same risk.

Browse by Line of Business

Find MGAs that specialize in each commercial insurance line.

General LiabilityWorkers CompensationProfessional LiabilityCyber LiabilityCommercial PropertyDirectors & Officers (D&O)Excess & SurplusCommercial AutoInland MarineLiquor Liability

Browse by State

Find MGAs with appetite in your state.

Frequently Asked Questions

What is a Managing General Agent (MGA)?

A Managing General Agent (MGA) is a specialized insurance intermediary that has authority from one or more insurance carriers to underwrite policies, set rates, and bind coverage on their behalf. MGAs typically focus on niche markets or specialty lines — think E&S property, cyber liability, professional lines, or workers comp for high-risk industries. Independent agents use MGAs to place risks that standard carriers won't write.

How do I find the right MGA for a hard-to-place risk?

Start by identifying the line of business (GL, Workers Comp, Cyber, etc.) and the state where coverage is needed. Then filter by industry type to narrow down MGAs with specific appetite for that class. Many large wholesale brokers like Burns & Wilcox, Amwins, and CRC Group can access dozens of markets — they're a good first call for truly unusual risks.

Do I need a wholesale broker license to work with MGAs?

In most states, yes — placing E&S business requires a surplus lines broker license, which is separate from your standard P&C license. However, many MGAs also work with retail agents through a licensed wholesale intermediary. Always verify your state's requirements before binding E&S coverage.

What is the difference between E&S and admitted carriers?

Admitted carriers are licensed and regulated by your state's insurance department, and claims are backed by state guaranty funds. E&S (Excess & Surplus Lines) carriers are non-admitted — they can charge unregulated rates and write risks that admitted carriers won't touch. Most MGAs focus on E&S markets for this flexibility, but some also offer admitted products.

How current is the MGA data in this tool?

All MGA entries are verified through publicly available information and industry knowledge as of early 2026. MGA appetite can change, so always verify directly with the MGA or your wholesale broker before submitting a submission. We update the dataset quarterly.

Can I get appointed directly with an MGA?

Appointment requirements vary by MGA. Some large wholesale brokers like Burns & Wilcox and Amwins require a retail agent appointment to access their markets. Others — especially specialty program MGAs — offer direct retail appointments. Click the 'Get Appointed' link on any MGA card to visit their agent portal.

MGA appetite data sourced from publicly available information and industry knowledge, verified as of early 2026. Appetite can change — always confirm directly with the MGA or your wholesale broker before binding. QuoteSweep is not responsible for data accuracy.

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