Broker submissions rarely stall on the big items. They stall on small ones, and each small one costs a round of email.

Here are five things MGAs commonly chase brokers for, and the best moment to ask for each.

1. An unsigned proposal form. You can't bind cover without a signature, and it's easy to miss. Ask as soon as the form is uploaded, while the broker still has it open.

2. A missing or outdated schedule of sums insured. The proposal says one number and the schedule says another, or the schedule is from last year. Ask as soon as the two don't match, and let the broker explain. Sometimes the schedule covers two premises, which changes what needs checking.

3. A loss history that's too short. Your guidelines ask for a certain number of years and the broker sends fewer. Ask for the missing years before the file reaches an underwriter.

4. A risk address that doesn't match. The proposal and the schedule list different addresses. It might be a typo or a second site. Ask, and keep both addresses on the file.

5. No details of current cover. Underwriters need the existing policy, the renewal date, and the current insurer to understand the risk. Ask for them in the same session.

All five can be spotted the moment the document arrives, and none of them needs an underwriter to spot. They do need an underwriter to decide on.

So split the work that way. An AI intake agent checks each submission against your requirements and asks the broker for anything missing in a chat while they're submitting. Your underwriter then starts from a case file where every fact links to its source and every open question is listed.

For more, see insurance submission intake for MGAs or the broker submission guide.

PS: Which of these five does your team chase most often? Make that your first requirement.