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Contractors
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People Working in Open Office
Office Building
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Man in Grey Suit

The Surplus Lines Broker will liaison between the Retail Agent and the MGA/MGU/PA, or they will connect the Retail Agent directly to the Insurer that handles their own underwriting for that particular risk. In the case that the Insurer does not use an MGA/MGU/PA for a particular risk, they would perform all of the functions represented by the MGA/MGU/PA row in the model above.