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Aug 16, 2017

Attorney Robert Tomilson is a partner at Clark Hill, an insurance law practice based in Philadelphia, PA. He serves as an insurance subject matter expert in the areas of insurers, reinsurers, and intermediaries in litigation and regulatory investigations. He also serves as an advisor to the American Law Institute’s Restatement of the Law of Liability Insurance as well as an adjunct professor of insurance at Drexel University School of Law.

Robert joins me today to discuss the differences between MGAs and MGUs, the various challenges associated with each, and the risk factors to consider when starting a new innovative insurance agency. He also shares tips on how new insurance agencies can leverage regulations to speed the process of starting their organization.

“The regulations are not always transparent for how to comply.” -

Robert Tomilson

Today on Spot On Insurance:

  • What are MGUs and MGAs
  • How MGUs differ from MGAs
  • Challenges of getting set up as an insurance provider in multiple states
  • The risks of innovation in the insurance industry
  • The importance of understanding what the laws and regulations require
  • Why it may be better to get licensed in a different jurisdiction
  • Ways to use the regulations in your favor as a startup insurance agency

 Key Takeaways:

  • Be aware that the insurance industry tends to operate slowly and cautiously.
  • Hire knowledgeable staff.
  • Have the judgement and experience to make good use of the regulations. 

Connect with Robert Tomilson: 

 This episode was brought to you by…

Spot On Insurance is brought to you by Insurance Licensing Services of America (ILSA), America’s Premier Insurance Licensing experts. To learn more about ILSA and their services, visit

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