Wholesaler & MGA service gaps for SME accounts

SME accounts don't receive adequate service from wholesalers because they are too small to justify significant attention. This leaves a service gap where smaller risks get insufficient underwriting attention, slower response times, and less competitive terms.

Analysis:

The SME wholesale/E&S gap is significant and growing. Technology-enabled MGAs that can profitably serve smaller accounts through automation (AI underwriting, digital submissions) are well-positioned. This is a proven model with companies like Kinsale showing the path.