Sovereign Auto Engine for MGAsYour filings.
Your agencies.
Your book.
A policy administration engine built for non-standard auto MGAs that refuse to outgrow their systems.
Why MGAs choose Sovereign Auto Engine
Control the product lifecycle.
Carrier → program → state → product → version. Test filings in a sandbox, publish effective-dated versions, and never accidentally re-rate an in-force policy.
Own your distribution.
Independent agents, captive agents, direct consumers, and embedded partners all rate on the same rules and book to the same policy record.
Reconcile every dollar.
Separate premium and cash ledgers, daily earning, installment schedules, and reversals that leave a clear audit trail for you and your carriers.
The MGA challenge
You are running a carrier relationship, a distribution network, and a regulated product factory at the same time.
Filings tracked in spreadsheets and documents instead of a controlled, versioned lifecycle.
Different systems for agents, direct consumers, and embedded partners creating fragmented policy records.
Month-long change orders for what should be configuration.
Premium, cash, and commission ledgers that never quite match at month-end.
Built for how MGAs work
Multi-state filing control, agency distribution, and money that reconciles.
Sandbox every filing
Ingest rate plans, rules, and tables into a private sandbox. Run real scenarios, diff versions, and publish only when the numbers match.
Agency portal, branded
Give each agency its own landing page, numbering, and commission view — while the core policy record stays unified.
Quote to bind, continuously
Guided quote, application, attestations, payment, and issuance in one flow — no hand-offs between systems.
Endorsements that behave
Effective-dated, pro-rated, and sequenced correctly. Out-of-sequence changes reverse and rebook without manual intervention.
Automated renewals and notices
Generate renewal offers, mail cancellation notices backward from the mail date, and protect equity before a policy lapses.
One core. No clones. No drift.
Every licensee runs the same accounting and statistical engine. Features toggle on or off; the source of truth never forks.
Origin
Built by people who have run MGA operations.
Sovereign Auto Engine was built by operators who have managed non-standard auto programs, filed rates, handled claims, and reported to carriers. The system treats the policy record as sacred — and gives MGAs the control to configure everything around it.
See what sovereignty looks like for your MGA.
No tickets. No roadmap purgatory. No six-figure change orders for a five-minute fix. Just a system that finally fits the MGA business.