
MGA Insurance Cloud
AI Cloud-Native MGA Software for Lloyd’s Coverholders, and Underwriters.
Facio is the all-in-one policy-administration system that unifies product setup, real-time rating, insurance CRM, bordereaux reporting, and delegated-authority compliance. Quote, bind, and scale faster - no compromises, fully audit-ready.
Built for the AI era.
Trusted by Underwriters.
Operate Your MGA in the Cloud.
Faster, Smarter, Fully Compliant.

PRODUCT BUILDER
LAUNCH PRODUCTS AT LIGHTNING SPEED.
Define rating matrices, underwriting questions, policy templates, clauses, sections, COIs, wordings, and risk codes: all in one low-code interface.
✓ Real-time calculation engine
✓ Embedded binder enforcement
✓ Fully Lloyd’s-aligned documentation flow
POLICY ADMIN
QUOTE, BIND, ENDORSE, CANCEL, RENEW – END-TO-END.
Define rating matrices, underwriting questions, policy templates, clauses, sections, COIs, wordings, and risk codes: all in one low-code interface.
✓ Real-time calculation engine
✓ Embedded binder enforcement
✓ Fully Lloyd’s-aligned documentation flow
DYNAMIC RATING
YOU SET THE LOSS RATIO. WE’LL TAKE IT FROM THERE.
Underwriters define the target loss ratio, and our pricing engine adjusts rates dynamically to hit it across layers, geographies, and distribution paths.
✓ Target-driven pricing aligned to portfolio profitability
✓ Automated margin buffers per risk, segment, or referral class
✓ Browser-based engine scales to thousands of quotes instantly
✓ Built-in override controls for referrals, caps, or strategic deals
REPORTING & BORDEREAUX AUTOMATION
BUILT FOR LLOYD’S. TRUSTED BY AUDITORS.
Generate bordereaux exports, premium reports, claims ratios, and custom dashboards in one click.
✓ Lloyd’s, regulatory, and internal-ready
✓ Fully filterable + scheduled exports
✓ Visual dashboards & live data sync

CRM & COMMUNICATIONS
YOUR CUSTOMER JOURNEY, EMBEDDED.
Integrated user management, customer protection flows, role-based access, digital journey tracking, and marketing automations — all in one CRM.
✓ Agents, brokers, and customer records
✓ Referral network logic baked in
✓ Automated emails, reminders, NCD handling
All-in-One MGA Insurance Software With Built-In Compliance
PRODUCT BUILDER
DEFINE PRODUCTS IN MINUTES
SMART RATING
TARGET LOSS RATIO PRICING
CONNECTED STAKEHOLDERS
UNDERWRITER, AGENT, CUSTOMER ALIGNED
COMPLIANT POLICY ISSUANCE
NUMBERED, SIGNED, REGULATOR-READY
INTEGRATED CRM
CUSTOMERS, MARKETING, AUTOMATION BUILT-IN
BORDEREAUX REPORTS
LLOYD’S FORMATS, REAL-TIME DASHBOARDS
Built by Underwriters, for Underwriters Real-Time P&C Underwriting Suite
Facio’s smart P&C module puts every revenue-critical workflow on one screen. Interactive risk gauges deliver real-time risk analysis as you key the quote, so underwriters hit target loss ratios with confidence. A built-in insurance billing center supports ACH, card, split payments, and pay-in-installments, capturing premium the moment the bind button is pressed. Your clients see the same data in an AI-powered customer portal that answers coverage questions, collects documents, and pushes status alerts 24/7. Need proof of cover on site? Generate an instant Certificate of Insurance with digital signature and unique policy number in seconds. From quote to cash, every action feeds Facio’s compliance engine, producing regulator-ready bordereaux and audit logs automatically. One cloud-native stack, purpose-built to run profitable P&C programs faster, smarter, and without compromise.

Trusted by MGAs Worldwide
>$1B
PREMIUM ADMINISTERED
35+
PRODUCT LINES DEFINED
7 Weeks
AVG TIME TO GO LIVE
99.98%
SLA-BACKED UPTIME