MGAs
The BPO built for MGAs.
Every essential insurance operation under one roof, consistent across every carrier you write for, so you can grow without limit.
Consistency. No matter how many carriers you write for.
MGAs don’t run one program, they manage relationships with multiple carriers at once, and each one expects the same standard of service, compliance, and reliability. Most MGAs meet that by stitching together a different print vendor, call center, and claims process for every program, so consistency erodes exactly when they’re trying to grow. Covenir puts every essential operation, print and mail, virtual mailroom, lockbox, claims and FNOL, and policyholder support, under one roof, so the experience stays the same whether it’s your first program or your tenth.
Supporting example: One MGA we work with was managing programs across multiple carriers had six different bank accounts and no consistent process for matching payments to policies. Nobody designed that system. It grew one carrier relationship at a time, without a plan to keep it consistent.
With Covenir on your team, you can trust everyone is experiencing WOW service no matter how complex your book gets.
MGA Offerings
Print & Distribution
Policy documents, renewal notices, and compliance mailings across every state and program you write, with documented proof of mailing for every cancellation and non-renewal.
Virtual Mailroom and Lockbox Check Processing
Inbound mail, checks, and legal notices digitized and routed the same day, across every program you manage, so nothing sits at an old address or a PO box nobody checks.
Customer Support
Policyholder-ready support that flexes, without carrying seasonal headcount year-round. Surge capacity is built into the model, not something you scramble for after the fact.
Claims & FNOL Intake
Cut claims costs without cutting corners. Our 24/7 FNOL call center with 100% onshore agents delivers empathetic support, supported by AI-assisted workflows and backed by our Call Surge Guarantee.
Why MGAs Choose Covenir
Insurance-native, not retrofitted. With more than 10 years providing outsourcing services for insurers, we understand the ins and outs of the business so we can get started quickly, in as little as 2 weeks.
One partner across the stack. Covenir is one of the only insurance BPOs who provides traditional outsourcing as well as print and mail services all under one roof. That means you can reduce operational friction by working with just one vendor.
Built for surges. We’re so confident in our ability to handle CAT surges, seasonal spikes, and new-state launches that we developed a guarantee around it.
Onshore teams with AI Support. Our 100% onshore call center teams deliver scalable, compliant and emphatic support plus you get the benefits of our real-time AI coaching solution that improves policyholder satisfaction.
Proof from the Field
“Insurance experience became the deciding factor, and Covenir had it.”
— Rob Reinarz, President of iMGA
iMGA’s print and mail vendor tripled its rates overnight after being acquired, with no room to negotiate. Covenir’s IntelliMail Advantage took over, cutting print and mail costs 30%, with zero complaints from agents or policyholders. Full story →
Before the Breaking Point: The Startup Insurer’s Guide to Scaling Operations Without the Crisis
Six operational traps that catch growing MGAs, carriers, and program operators, including a real story about a Texas-based MGA whose print and mail bill jumped 220% overnight, and the pattern for getting ahead of each trap before it becomes a crisis.
Ready to Deliver
WOW Results?
Covenir simplifies premium payment operations so you can strengthen cash flow, stay compliant, and reduce friction for policyholders, with secure, onshore teams that act as an extension of your operations.
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Case Studies and Resources
FAQ
Can Covenir also handle billing inquiries and policyholder support related to payments?
Yes. Our onshore call center teams support billing questions, payment status updates, cancellations and reinstatements, and account research. We combine secure back-office payment processing with empathetic policyholder support so issues are resolved in one place without handoffs.
Can you manage document production and distribution tied to billing and premium workflows?
Yes. We manage both print mail and virtual mail for billing-related communication. From invoices and reminders to reinstatement notices and refund letters, we ensure policyholders receive accurate information quickly through their preferred channel.
Does Covenir provide reconciliation, reporting, and audit-ready documentation for billing and payment activity?
Yes. We provide detailed reconciliation and reporting to give your team complete visibility into payment intake, posting activity, outstanding balances, chargebacks, refunds, and carrier transfers. Our documentation follows audit-friendly standards to make compliance effortless.
What are insurance lockbox or premium payment services?
Insurance lockbox or premium payment services manage the end-to-end handling of mailed premium payments. Payments are sent to a secure lockbox address, where they are opened, scanned, and deposited. Remittance data is captured and used to match payments to policies, while exceptions are identified and resolved. The result is faster payment posting, fewer reconciliation issues, improved visibility, and consistent compliance with financial and regulatory requirements. Modern lockbox services go beyond basic deposit processing to improve visibility, reduce delays, and ensure audit-ready payment operations.