The delegated authority market is thriving, premiums are climbing, innovation is accelerating, but beneath the growth headlines, practitioners are struggling with a constraint that few are talking about openly: data fragmentation is limiting how fast the DA sector can actually scale.
On Tuesday, November 25th, 2025 at TIN's Data Jam, market practitioners including (re)insurers, brokers and MGA leaders gathered to discuss one central question: How do we harness data to enable growth in delegated authority?
The answer, delivered across every panel discussion, was both clear and uncomfortable. The market isn't held back by ambition or technology. It's held back by fragmented data systems, inconsistent formats, and manual processes that create friction at every touchpoint.
The problem: Fragmentation across the DA value chain
Here's what we're hearing from the frontline:
Managing agents are using multiple systems simultaneously. Teams are inheriting data from acquired companies, each with legacy infrastructure and incompatible formats. Bordereaux data is incomplete, inconsistent, and expensive to rectify. Claims data is scattered across multiple platforms. Onboarding is time-consuming and error-prone.
One insurer summed it up bluntly: they'd tried four different systems and none could handle the real-world complexity of their data landscape.
The real cost? Manual workarounds, delayed error discovery, incomplete analytics, and underwriting decisions made on unreliable information. As one practitioner observed, "every area involves friction."
Why data governance matters for Delegated Authority growth
Here's what often gets overlooked: delegated authority is fundamentally built on trust. As one market leader put it, "Delegated authority = trust, and you have to trust the data to execute your DA strategy."
Without reliable, consistent data flowing through the entire value chain, from underwriting to claims to processing, the delegated model breaks down. Teams spend time fixing data instead of making strategic decisions. Regulators have less confidence in the governance framework. And growth potential gets capped by operational friction.
This matters because the DA sector is booming. The volume of delegated authority business is climbing, which means data complexity is increasing. The organisations that establish proper data governance now will have a significant competitive advantage.
The Market is ready for change
The encouraging part? The appetite for solutions is genuine. Across TINs Data Jam 2025, three clear trends emerged:
Cloud migration is accelerating. Organisations are moving from on-premise legacy systems to cloud-native infrastructure, treating cloud as a "single source of truth" rather than just another platform. API standardisation is moving from aspiration to reality. The market recognises that disconnected systems create downstream friction, and standardised APIs are becoming a commercial requirement. Data governance is becoming strategic. Leaders are naming data management, quality control, and centralisation as priorities, not IT afterthoughts.
The market needs solutions that actually work operationally, not just ones with compelling marketing stories.
The link between data quality and AI-driven automation
Every forward-looking initiative discussed at the Data Jam, augmented underwriting, portfolio monitoring, claims triage, smart follow capabilities, rests on a single foundation: reliable, consistent data.
This is where the commercial opportunity crystallises. Those in the market who currently do not use a system are desperate for a solution that can simultaneously consolidate fragmented systems, establish data governance frameworks, and create the clean datasets that fuel intelligent automation. Garbage data creates garbage insights, no matter how sophisticated your AI.
What this means for your DA strategy
If you're running delegated authority operations, fragmentation is likely costing you more than you realise. Whether it's delayed underwriting decisions, manual data quality checks, incomplete analytics for strategic planning, or slower onboarding of new coverholder relationships, data governance directly impacts your competitive position.
The organisations leading the London market in 2025 will be those that:
- Consolidated their fragmented data systems into a single, trusted source of truth
- Implemented standardised data requirements across underwriting, claims, and processing functions
- Established clear governance frameworks around data quality and access
- Built the data foundations needed for AI-driven automation at scale
Where we go from here
TIN Data Jam 2025 made one thing abundantly clear: the market is ready for change and is changing. Practitioners are asking for solutions. Carriers are demanding better data infrastructure. MGAs are investing in cloud migration. The fragmentation problem is recognised. The appetite for technology solutions is genuine.
The question now is simple: who will lead the transition to consolidated, governed, trustworthy data infrastructure in delegated authority? The organisations that are moving first will set the standard for the rest of the market.
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