Customer Story
A 3-person MGA doing
the work of 10
A newly launched specialty MGA deployed Oyyo from day one. Instead of hiring a large operations team, they gave their three underwriters an AI workforce — and outpaced competitors with teams five times their size.
Team members
Total headcount at launch
Capacity multiplier
Output of a 30-person team
Operations hires needed
AI handles the ops work
Time to first live submission
Not month 6
The Challenge: Launch Fast or Die
Launching an MGA is brutally competitive. You need carrier appointments, broker relationships, and operational infrastructure — and you need it all before the cash runs out. Most new MGAs spend their first 6 months setting up operations: hiring data entry staff, configuring raters in Excel, building filing systems, training people on carrier-specific quoting processes.
This founding team had a different approach. Three experienced underwriters — each with 15+ years in specialty E&S — decided to launch without an operations team at all. No data entry clerks. No IT staff. No operations manager.
Their thesis: if the AI is good enough, three experienced underwriters can do the work of ten. They bet the company on it.
“We didn't hire ops people because we didn't need to. Oyyo IS our operations team. It reads the emails, organizes the files, runs the raters, and drafts the quotes. We just make the underwriting decisions.”
Founding Partner, Specialty E&S MGA
The Solution: AI as the Operations Team
On day one, the three founders logged into Oyyo and described their first product line to AI Studio. Thirty seconds later, they had a live workspace with a dedicated email address. Brokers started emailing submissions that afternoon.
The data entry team they didn't hire
The AI Data Manager reads every broker email, cracks open attachments (PDF, DOCX, ZIP — whatever the broker sends), and structures the data into clean, validated fields. No human touches the data unless the AI flags something as uncertain.
The filing clerk they didn't hire
Every document automatically files itself: Year > Product Line > Insured > Stage. Loss runs are categorized by coverage line. Financial statements are parsed and linked to the rater. At month-end, the founding partner searches "Q1 2026 > Quoted" and sees every pending deal instantly.
The rater admin they didn't hire
Instead of maintaining three Excel raters (one per product line), they told AI Studio what factors matter for each line. The AI built interactive web-based raters that pull directly from the intake data. Premium calculations happen in seconds, with full transparency into base rate, loadings, and credits.
The quote coordinator they didn't hire
Once an underwriter approves the premium, the AI Quoter assembles the formal document, attaches the coverage schedule, and stages the email to the broker. One click to review, one click to send. No copy-paste. No manual formatting.
The broker liaison they didn't hire
When a broker's submission is missing a loss run or financial statement, Oyyo automatically sends a polite follow-up email requesting the missing documents — on behalf of the underwriter. The broker gets instant clarity. The underwriter never opens Outlook for routine follow-ups.
The Results: Competing Above Their Weight
Six months after launch, this three-person MGA is processing submission volume that competitors with 10-person teams struggle to match. The math is simple: when AI handles the operations, underwriters spend 100% of their time on risk evaluation and broker relationships.
No data entry staff, no filing clerks, no quote coordinators. Three underwriters + five AI agents = a complete MGA operation.
Brokers learned quickly: send to this MGA and you get a quote the same day. Word spread. Submission volume grew 40% month-over-month.
Every decision — human and AI — is logged in the Journal. When a carrier asked "how did you price this risk?", the answer was a click away, not a two-hour email dig.
The AI agents get better every week. Corrections the underwriters make on Monday are reflected in Tuesday's extractions. The system learns their underwriting style.
Launch lean. Scale fast.
Whether you're launching a new MGA or scaling an existing one, Oyyo's AI agents give your team the capacity of a much larger operation — without the headcount.