For insurance agencies
Which carriers owe you money right now?
The short answer
Insurance commission tracking means reconciling every carrier statement line by line — matching policies, rates, and splits against your book of business so missing or shorted commissions surface the same month. We do it done-for-you in QuickBooks Online: statements reconciled, producer splits calculated, discrepancies flagged and chased. Most agencies land between $600 and $1,200 a month, fixed.
Founder, Accelerate Business Solutions · Published August 21, 2026 · Last updated August 21, 2026
Sound familiar?
Commission revenue is your livelihood. Is anyone checking it?
Every carrier, a different format
Each carrier reports on its own schedule in its own layout — rates, terms, chargebacks for cancellations. Verifying them properly takes hours nobody has.
Underpayments nobody catches
Carriers make mistakes — misapplied rates, dropped policies, shorted commissions. Without line-by-line reconciliation, the shortfalls simply blend into the deposit.
Splits calculated by hand
Producer splits live in a spreadsheet one person understands. Get a split wrong once and you create friction with the person generating your revenue.
Reconciliation always a month behind
By the time last month's statements get checked, this month's have arrived. The gap between expected and received quietly compounds.
Comp disputes without receipts
When a producer questions their check, there's no documented trail from statement to split to payment. Every dispute becomes a negotiation.
A book of business you can't prove
Whether you're applying for credit, bringing on a partner, or thinking about a sale — the value of the agency rests on revenue records that have to hold up.
Trusted by business owners who run on real numbers
What you get every month
Commission tracking, reconciled to the penny.
Your AMS knows what carriers should pay. Your bank knows what arrived. We tie the two together every month — and chase the difference.
Carrier statement reconciliation
Every statement matched line by line against what you expected to receive — the discipline most bookkeepers skip, and the one that finds missing money.
Discrepancy flagging & follow-through
Misapplied rates, dropped policies, and shorted commissions flagged with documentation, so you can go back to the carrier with specifics.
Producer splits
Each producer's split calculated from reconciled numbers, documented, and delivered on schedule — every single month.
Revenue by carrier, line & producer
See which appointments and which producers actually drive revenue — in a report you can read in five minutes.
Books closed by the 15th
Every transaction categorized, every account reconciled, reports delivered on a set date. No more running the agency off the bank balance.
QuickBooks Online for agencies
Your books set up for how agencies actually earn — commissions, splits, and carrier receivables structured properly from day one.
Signs commissions are slipping through
- Carrier statements pile up unreconciled
- Producer splits live in a spreadsheet only one person understands
- You've found a missing commission before — by accident
- You can't say revenue by carrier without an afternoon of work
- Your AMS says one thing and your bank account says another
Who this fits
- Independent agencies and brokerages with multiple carriers
- Captive offices that still want clean, verified numbers
- P&C, commercial lines, and life & health shops
- Agencies with 1–15 producers on commission splits
- Owners who suspect they're not being paid in full — and want proof
Fixed monthly pricing — most agencies land between $600 and $1,200, based on carrier count and producers. You'll get an exact number on the first call — not a range that grows later.
Questions agency owners ask about commission tracking
How is this different from the reports in our AMS?
Your AMS tracks what carriers should pay you. Your books show what actually arrived. Commission tracking ties the two together — statement by statement, line by line — so misapplied rates, dropped policies, and shorted payments surface the same month instead of never.
Can you handle producer splits?
Yes. Each producer's split is calculated from the reconciled commissions, documented, and delivered on a set schedule — so comp conversations run on numbers everyone can see, not a spreadsheet one person understands.
Our books are months behind. Can you catch us up?
Yes. Catch-up is routine work here, quoted as a one-time fixed project after we look at one month of your books — not an hourly meter. Then monthly service keeps you current from there.
What does commission tracking cost?
Most agencies land between $600 and $1,200 a month, fixed, depending on carrier count and producers. We pin it down on the first call — and one recovered underpayment can cover months of the fee.
Keep reading:
- Bookkeeping for insurance agencies — the full picture — reconciliation, splits, and a monthly close on a set date.
- Commission tracking software: an honest guide — spreadsheets vs. AMS modules vs. dedicated platforms vs. outsourcing.
- Free commission reconciliation checklist — the exact 15-step month-end process, interactive.
- How much does bookkeeping cost in 2026? — DIY vs. full-time hire vs. fractional, with real numbers.
Client results
What owners say after the books are handled
Shannon got our books cleaned up and finally showed us which jobs were actually making money. We stopped guessing on bids and our margins went up because of it.
Having Shannon handle the bookkeeping took a huge weight off. Everything is closed on time, the numbers make sense, and I get my evenings back instead of fighting QuickBooks.
Find out what your carriers actually owe you.
Send one month of carrier statements and we'll reconcile them free, line by line. Or book a free 30-minute consult to talk it through first.
Book your free consult