Leadership
A single interlocutor
One conversation on product, data and resilience, not several vendors.
An underwriting agency that designs and runs digital policies. And can add more home verticals on the same app.
What the DGSFP, the GDPR and insurer-chain resilience ask of a digital MGA, and how it can serve more clients without standing up a new technical department.
Technical case study
What they ask
The same questions in every appointment.
Insurer, DGSFP or client: the question, the rule and what Globodain prepares.
Question
Rule or standard
What we prepare
01Who carries the risk?
LOSSEAR art. 60 · MGA
What we prepare ·Role map of MGA vs insurer
02Where do policy and claims live?
GDPR
What we prepare ·Data architecture and processors
03How are premiums and accounts isolated?
ROSSEAR art. 35
What we prepare ·Technical segregation controls
04What ICT continuity is required?
Insurer DORA supply chain
What we prepare ·Resilience evidence as an ICT third party
05How does a new line scale?
MGA programme of activities
What we prepare ·An operable multi-product platform
The challenge
The same platform, more lines and more rules.
What this profile costs today
- Product, pricing and claims on an in-house core
- Sensitive policyholder and claimant data under the GDPR
- Accounts and flows separated by appointing insurer
- ICT requirements DORA-bound insurers demand
- Brokers and channels without breaking the digital experience
- Adding telecom or energy without multiplying vendors
Sector calendar
From DORA to more digital verticals. With the MGA at the centre.
Dates and market moves that set technical urgency for this profile.
17 Jan 2025
DORA applies
Insurers enter scope; their ICT third parties face tougher contractual demands.
Regulation (EU) 2022/2554
2024–2025
Non-life insurance growth
Spanish premium volumes keep rising; motor weighs heavily for digital MGAs.
UNESPA / ICEA 2024
2025–2026
More digital lines
Companies in the sector expand motor, home, pets and day-rate products.
Spanish insurtech reports 2024–2025
2026+
Home aggregation
Companies in the sector plan to add telecom or energy on the same client base.
Sector communications
Its market
A large Spanish insurance market, with insurtech gaining weight.
What public sources show about premiums and insurtech in Spain.
€75.161bn
Spanish insurance premium income in 2024
UNESPA / ICEA
~70
pure insurtech companies in the Spanish ecosystem (2024 report)
Santalucia Impulsa
€13.180bn
motor premiums in 2024 (+8.88% year on year)
UNESPA / ICEA
Companies in the sector
- TuioDigital home, motor, life and pet cover via a brokerage
- Life5Online life; brokerage and backed underwriting agency
- WeecoverAPI-first distribution and digital core platform
- BdeoPhoto and video AI for B2B inspection and claims
- InsuramaB2C/B2B2C insurance distribution and management suite
- ClevereaDigital MGA for personal lines and home services
The MGA profile that owns product, claims and multi-vertical aggregation carries more technical surface than a comparer or a single line.
What we propose
One technology partner for product, data and the ICT chain.
A single interlocutor covers platform, claims, cybersecurity and what insurers ask, so the team can serve more clients.
Operations
Claims and policy
Digital flows ready without inventing a stack per line.
Technical team
Capacity that adds
Reinforcement in security and platform, without replacing the team.
Expected impact
More clients served with the same team.
What changes when platform, data and ICT evidence stop consuming the team.
×2.0
clients it can serve by the end of the period, versus staying without a partner
−25 pts
of technical time going back to product and clients
6 → 1
technical areas, a single interlocutor
Illustrative scenario, not a forecast. Index 100 = clients it can serve at the start. Assumption: freed time goes back to product and onboarding.
Benefits and advantages
What this profile gains from the first quarter.
Three ways to cover it
| In-house hire | Several vendors | Globodain as partner | |
|---|---|---|---|
| Getting started | Months of hiring | Weeks per vendor | From the diagnosis |
| Interlocutors | One, with gaps | One per area | One, for everything |
| Cost | Fixed and high | Scattered | Predictable |
| Multi-vertical view | Depends on the hire | Fragmented | Complete |
| Evidence for insurers | To be built | Separately | In one report |
How we would solve it
A continuous rhythm, not a project with an end date.
Each turn leaves evidence and sets the priority of the next.
- 01
Diagnosis
Core, data, claims, partners and infrastructure.
- 02
Audit
A report leadership and appointing insurers can read.
- 03
Implementation
We fix things alongside its team, without replacing it.
- 04
Vigilance
Early warning when DGSFP, GDPR or DORA move the roadmap.
Why Globodain
Capabilities that apply to a digital MGA.
Scope note: applicable capabilities, not an accredited insurance track record. DORA does not expressly name Spanish MGAs; the angle is the ICT chain with in-scope insurers and the GDPR.
- 01
Cybersecurity
Security and access on policies, claims and the app.
- 02
Technical audit
Data, CI/CD, integrations, infrastructure and code.
- 03
Compliance
A technical reading of MGA rules, GDPR and chain ICT requirements.
- 04
Cloud and platform
A multi-product core ready to grow without tech debt.
- 05
Integrations
Insurers, brokers and payments connected under control.
- 06
Vigilance
Early warning of changes that affect the MGA.
Scope and limits
So it is clear from day one.
What we bring
- Technical audit, implementation and continuous vigilance
- A report with findings and priorities
- A stable interlocutor, not a one-off vendor
What we do not do
- We do not certify regulatory compliance
- We do not issue certificates or seals to third parties
- We do not replace legal advice: we complement it
Certifications and legal advice belong to authorised third parties. We provide technology support: audit, implementation and vigilance.
Does your case look like this profile? Let's analyse it.
This study was built from public sources on the sector. If yours looks similar, Rubén Ayuso will analyse it with you and prepare one for you.
Technical study prepared by Globodain Technology Corporation from public sources on the sector. It does not describe a specific company and was not prepared with one. The companies named are examples from the sector: this does not imply a commercial relationship or their participation. Not a contract: figures and scenarios are indicative.
