
InsTech - insurance & innovation with Matthew Grant & Robin Merttens Frank Perkins, Founder & CEO: inari: Building the modern MGA (395)
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Feb 22, 2026 Frank Perkins, CEO and co-founder of Inari, builds underwriting software for specialist MGAs across Europe. He talks about democratized tech literacy, the rise of niche MGAs and why platforms must coexist with legacy stacks. He explains practical insurance AI, how AI speeds integrations and onboarding, and why local teams, speed and domain culture matter for European growth.
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Business Users Now Drive Tech Choices
- Technology literacy has democratized so business users now drive tech decisions rather than IT alone.
- Frank Perkins notes he used to be de facto CTO at an MGA, but today business teams specify needs and tech sources solutions.
Greenfield MGAs Prefer Integration Over RipOut
- Greenfield startup MGAs and mid-size firms leaving legacy stacks are the fastest growth segments for Inari in Europe.
- Frank says new MGAs have clear, narrow risk focus and prefer integration/coexistence over rip-and-replace transformations.
Niche MGAs Are Redefining Underwriting Platforms
- The market is moving toward hyper-specialised, vertical MGAs rather than large multiline players.
- Inari targets end-to-end servicing for niche MGAs and commoditises ecosystem integration to plug best-of-breed partners together.

