MGAs often harness specialized expertise to underwrite niche market policies in certain geographies or specialty lines of business such as surplus lines or professional liability. This can be intriguing to reinsurers who may have appetite and capacity in one of these areas but are uncertain of the risks. Thus the core challenge for MGAs is how to harness data and uncover new product and market opportunities while improving operational excellence. To continue to innovate and lead, MGAs must move quickly to underwrite, price, and launch new products while staying nimble in comparison to larger players. MGAs that fail to improve their processes and embrace technology will likely underperform their digital peers.