Wow, JAM, you have certainly not had good experiences with your MGA, and I am sorry about that. As a wholesale broker with 20 years in the E & S side of the business, I can tell you, there is no MGA or Wholesale shop that does everything. You just can't--well, you can look at everything, but you're not going to be good at everything. A good MGA will have a multitude of in-house contracts to bind with, and then a plethora of open-brokerage markets to approach for the larger, more complex risks.
Matt, if you would like to discuss a particular risk, please feel free to contact me directly --
Lisa A. Foley, ASLI
Bliss & Glennon
760 705 firstname.lastname@example.org