It is ‘business as usual’ for much of the market, and that is exactly the problem. The symptoms are familiar across the market:
Annual renewal cycles create uncertainty and last-minute pressure
Separate UK and EU binders, duplicate admin and operational processes
Multiple endorsements, bordereaux and contract references
Operational inefficiencies that intensify as the business grows
At Consilium, we think delegated authority contracts should actively support growth. Our Delegated Risk Solutions team works with MGAs to rethink how delegated authority contracts are structured strategically from the ground up. The right contract framework can change how efficiently an MGA operates and how confidently it scales.
Consilium structures smarter delegated authority solutions in two key areas: multi-year contracts and twin binder solutions.
1. Multi-Year Contracts
For many MGAs, the annual renewal cycle has become an accepted disruption. Every year, leadership teams are pulled back into renegotiation cycles as capacity conversations restart, redirecting valuable time and energy away from growth and into contract maintenance. Multi-year structures change that dynamic entirely.
Instead of resetting the relationship every twelve months, MGAs can secure longer-term capacity arrangements with annual re-signings replacing full-scale renegotiation. Multi-year contracts create:
Greater certainty around long-term trading
Stronger, more stable carrier relationships
Increased confidence for investment and expansion
Reduced operational disruption year after year
2. Twin Binder Solutions
One of the biggest operational challenges facing international MGAs today is the duplication created by separate UK and EU binder structures. Using one overarching contract with a single UMR, twin binders combine EU and non-EU operations into a far more streamlined framework while still maintaining the necessary territorial distinctions underneath.
The result is a structure that is significantly easier to manage operationally without compromising governance or compliance requirements. For MGAs, that means:
Reduced duplication across admin, bordereaux and endorsements
Simpler internal processes
Easier operational oversight
A smoother experience for brokers and trading partners
This operational redesign means MGAs can manage growth in multiple territories, with capacity certainty, a scalable structure, stronger relationships and better overall outcomes.
Why MGAs Are Having This Conversation With Consilium
At Consilium, our Delegated Risk Solutions team works with MGAs to structure facilities that support long-term performance, operational efficiency and sustainable growth, providing:
Proven expertise in complex multi-territory binder structures
Strong relationships across Lloyd’s and global A rated carriers
A commercial understanding of MGA growth and profitability drivers
Strategic thinking that goes beyond annual placement cycles
Outdated contract frameworks should not slow down growth. If you are still running your MGA on clunky contracts, our team is here to help. Contact our Delegated Risk Solutions specialists to start the conversation.
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