Carrier statements vs. bank deposits
One deposit can bundle carriers, chargebacks, and adjustments. Without structure, the P&L becomes a pile of “insurance income.”
Insurance agencies · remote-first
Commission books that don’t fight your AMS.Carriers, producers, and cash—reconciled.
Done-for-you bookkeeping for insurance agencies—nationwide remote service. Essentials $99/month.
Carrier commission deposits, overrides, contingent bonuses, producer draws, and AMS exports rarely map cleanly to a generic “sales” account. We keep agency books readable so you know what you earned—not just what hit the bank.
Remote-first bookkeeping & tax · we work with clients across the U.S. · Sentinel Tax
What we handle for insurance agencies
Commission businesses need commission-aware books.
Cash from carriers is not the same as earned operating profit.
- Commission income timingAdvance vs. earned commission treatment kept understandable so you don’t spend money that isn’t operating profit yet.
- Carrier chargebacks & adjustmentsChargebacks and statement adjustments coded so one deposit doesn’t become mystery “insurance income.”
- Producer / sub-agent payoutsDraws, W-2 producers, and 1099 producers entered consistently against commissions.
- Contingency & bonus incomeYear-end contingents and growth bonuses parked correctly when they arrive on their own schedule.
- E&O and marketing lead spendErrors & omissions premiums and lead/marketing spend in predictable expense accounts.
- Book-of-business & multi-entity awarenessHigh-level awareness when buying/selling a book or running agency + personal entities—monthly packages stay on operating books; deals scoped separately.
How it usually works / typical pain
Deposits look simple. Agency economics aren’t.
Producer draws muddy cash
Draws against future commissions need consistent treatment—or owners stop trusting monthly numbers.
Contingents arrive late
Parking bonuses correctly keeps owners from treating one-time carrier money as recurring profit.
Agency + personal entity blur
Personal spending and multi-entity setups are common; we keep operating books clean and flag what needs separate handling.
What each plan means for an agency
Right-size support for how you get paid.
Talk with a CPA first, or start online—soft next steps, no hard sell. Each higher package includes everything below it.
- Quarterly review of your self-kept books
- Bank & credit card reconciliations verified
- P&L and balance sheet checked for accuracy
- Written findings report each quarter
- Tax-ready financial statements at year-end
- Fixes quoted separately — never folded in
For this vertical:
- Monthly books for agencies with a simpler account setup
- Commission-oriented categorization from bank activity
- Downloadable monthly P&L and balance sheet
- Up to 2 bank & credit card accounts · up to 100 monthly transactions
- Portal, email & messaging
For this vertical:
- Payroll / producer pay entries from your provider reports
- Loan reconciliation when you’ve financed growth or a book purchase
- Prior-period comparisons + quarterly written summary
- Up to 4 accounts · up to 250 monthly transactions
For this vertical:
- Room for higher volume and more accounts as the agency grows
- Business-owner tax planning on top of clean monthly books
- Year-end action plan delivered online
- 4+ accounts · up to 1,000 monthly transactions
Monthly price covers one business entity. Essentials is $99/month. Tax return preparation and meetings are separate. Optional S-Corp & partnership returns start at $299. Cleanup or catch-up work is quoted before monthly service begins. Phone support and meetings are not included in monthly packages; existing clients can request a one-on-one meeting for $99.
Optional business taxes
S-Corp & partnership returns
Agencies often file as S-Corps or partnerships. Optional business return preparation starts at $299 per annual S-Corp or partnership return, with any bookkeeping plan.
$299
Starting at per annual business return
Next step
Not sure which plan fits?
Talk with a CPA free for 15 minutes—or get started online when you're ready. Soft next steps, no hard sell.
Industry FAQ
Before you get started.
Do you integrate directly with our AMS?
We don’t need to live inside your AMS. We reconcile from banking and the commission detail you share (exports, statements, or notes). That keeps books tied to cash while still reflecting how the agency earns.
How do you treat commission advances vs. earned?
We categorize based on the detail you provide and keep treatment consistent month to month. Complex carrier-specific accrual setups can be discussed on an intro call if you need that layer.
What about premium trust accounting?
Operating bookkeeping is our core monthly service. If you hold premium funds that require separate trust accounting, we’ll clarify scope up front so operating and trust stay appropriately separated.
We’re buying or selling a book of business—can you help the books?
Transaction structuring is separate from monthly bookkeeping. We can keep the ongoing books clean before and after a deal; complex deal accounting is scoped if needed.
Agency growth is hard enough without fuzzy books.
Talk to a CPA free for 15 minutes, or get started online. Essentials $99/month. Remote-first for agencies across the U.S.