Insurance money is not ordinary money. We run premium and commission accounting, fiduciary compliance, carrier reconciliations, AP, bookkeeping, and payroll — inside your systems, audit-ready, handled by people who know the difference between an operating account and a trust account.
Cost vs. internal hires
Fractional capacity
Time-zone coverage
Type 2 + ISO 27001
Every agency and MGA has a version of this. Statements arrive from eleven carriers on eleven different schedules in eleven different formats. Two are PDFs. One is a portal download that changes column order without warning. Commission gets calculated three ways depending on which carrier and which product.
Somebody reconciles it. That somebody is usually good, usually senior, and usually the same person who should be doing something more valuable. It takes them the better part of a week each month. When they take vacation, it does not happen. When they leave, the institutional knowledge of why Carrier #7’s statement always runs a month behind leaves with them.
This is the classic case for outsourcing, and it is also the classic case for outsourcing badly. Hand it to a generalist BPO and you get someone who has never seen a commission statement asking you what a sub-producer split is. Hand it to us and you get a team that documents the workflow, builds the SOP, and runs the reconciliation on a schedule — with a supervisor and an SME behind them, so vacation is not an outage and turnover is not a knowledge loss.
In production since June 2026. Our AI QA overlay checks work against rules our quality teams wrote from actual insurance accounting errors — not off-the-shelf validation. Reviewed and validated by QA professionals, including client-side review.
Fiduciary accounts, premium trust, commission splits, carrier statement quirks. A generalist accounting BPO does not.
We work inside your systems — no parallel ledger, no migration.
Supervisors and SMEs behind every team, so coverage does not depend on one person’s calendar.
Time-zone leverage means month-end close does not wait for morning.
~50% cost savings versus internal hires, with fractional capacity from 0.3 FTE.
SOC 2 Type 2 certified and ISO 27001 certified, with annual third-party penetration testing — which matters more here than anywhere, because this is the data that moves money.
The outsourcing of accounting and financial administration specific to insurance — premium accounting, commission tracking, fiduciary compliance, carrier reconciliations, invoice-to-cash, accounts payable, bookkeeping, and payroll — to a provider with insurance industry expertise.
Fiduciary handling. Premium held in trust is not revenue, commission owed to a producer is not the agency's money, and the compliance requirements around both are specific. A generalist accounting provider treats these as ordinary receivables, which is where findings come from.
Yes. Commission tracking, processing, and split calculation across carriers and products, including sub-producer arrangements, are core to the service.
Yes. Multi-carrier reconciliation is one of the most common reasons clients engage us — statements arriving on different schedules in different formats is exactly the work that consumes senior internal time.
Yes. Payroll entry and administration including timesheet verification, gross-to-net calculations, deductions management, and compliance-focused processing.
Yes. Vendor invoice processing, purchase order administration, payment authorization support, and vendor account reconciliation.
Our AI QA overlay has been in production since June 2026. It checks work against rules our quality teams built from live error-pattern data, so it flags what actually goes wrong in insurance accounting rather than generic validation errors. It has been reviewed and validated by QA professionals, including client-side review.
From our QA checklists, which were built from the manual two-sided scorecard we have run across client programs for years. Every error the overlay catches feeds back into the checklist, so the rule set sharpens with volume.
Yes. Documented workflows, SOPs, and QA review are built into every engagement. The point of the process control is that the records hold up when someone external looks at them.
We are SOC 2 Type 2 certified and ISO 27001 certified, with annual third-party vulnerability penetration testing, biometric access control, and a controlled, monitored environment. Financial operations is where those certifications earn their keep.
Nothing. Our teams are backed by supervisors and SMEs, and every workflow is documented as an SOP during onboarding. Coverage does not depend on one person, and turnover does not take institutional knowledge with it.
Roughly 50% less than internal hires, varying with scope, volume, and complexity. Fractional capacity from 0.3 FTE means you can staff a partial gap without hiring a full role.
Tell us which financial process takes the most time. We'll assess your workflow and deliver an insurance-specific, audit-ready solution that improves accuracy and efficiency.
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