Find out exactly what carriers owe you — before you chase another carrier check.
Send us your AMS export and your last 3 months of carrier statements. In 10 business days you get a Commission Leakage Scan back: matched percentage, every unmatched line, and a dollar estimate of what's missing, short-paid, or late — reviewed and signed by an insurance-accounting reviewer.
$495 flat if you skip the pilot queue — credited in full against your first Reconciliation Desk month. Free for the first 10 pilot agencies.
The moment this shows up
A 10-person agency with 40 carrier appointments gets 40+ statements a month, in 40 different shapes — PDFs, portal CSVs, scanned paper, some with policy numbers, some with only an insured name and effective date. Nobody has the hours to verify them line by line, so one of three things happens, and all three are expensive.
What leaves the room every reconciliation cycle
Not software you have to operate. A finished Monthly Reconciliation Pack, reviewed and signed by an insurance-accounting reviewer.
Commission Ledger
Every statement line matched to a policy in your book of business, tied to the penny against carrier-stated totals.
Discrepancy Docket
Missing, short-paid, late, and chargeback items — each with an estimated dollar value and the source evidence behind it.
Carrier inquiries
Drafted and, under your written authorization, sent to carrier commission departments in your agency's own name — tracked to resolution.
Recovered-dollars report
What was found, what was chased, and what came back — by carrier, by cycle.
Producer payout statements
Computed from your own approved split sheet and verified commission data — you stay employer/payor of record.
Posting file
A clean file your bookkeeper imports straight into QuickBooks or your AMS — no re-keying.
Inside a reconciliation cycle
Collect
Statements arrive by monitored mailbox, secure upload, or authorized portal pull. We check the count against your carrier appointment list before anything else happens.
Parse
Each carrier's statement is extracted into a common schema; totals are tied out against the carrier's own stated total.
Match
Statement lines are matched to your AMS policies and checked against your commission schedules for the expected amount.
Exception review
An insurance-accounting reviewer approves every flagged discrepancy by hand — nothing reaches you or a carrier without human sign-off.
Sign & deliver
The reviewer signs your Commission Ledger; your Monthly Reconciliation Pack ships by the 5th business day, with approved carrier inquiries already sent.
Flat fees. Never hourly.
Three volume tiers for the recurring Reconciliation Desk, plus the one-time Commission Leakage Scan wedge and an optional recovery-share rider.
Commission Leakage Scan
One-time reconciliation of your last 3 months of statements against your book. Matched %, unmatched lines, estimated dollar value, top-5 carrier issues.
Core
up to 25 statements/mo
- Commission Ledger
- Discrepancy Docket
- Posting file
Plus
up to 60 statements/mo
- Everything in Core
- Carrier-inquiry chase, sent in your name
- 15-minute monthly review call
Pro
up to 150 statements/mo
- Everything in Plus
- Producer payout statements
- Monthly close file
Proof, as it ships
We don't invent case studies. These slots fill in as real reconciliation cycles complete — with client permission, never before.
Who this is not for
- Agencies under 15 carrier appointments — statement volume is too low to find material leakage; we'll tell you that for free rather than sell you a scan.
- Agencies wanting us to dispute an insurer's coverage determination, negotiate a claim, or act as a producer — that's outside what we do; see the compliance section below.
- Agencies wanting a guaranteed recovery number before the scan runs — nobody can honestly sell that, so we don't.
The hard questions
Are you a debt collector? Will you contact my carriers directly?
We draft every carrier inquiry, but it goes out under your agency's own name and identity, under a written authorization you control. This is business-to-business receivables follow-up between contracted parties — never third-party debt collection, and never a demand or a legal threat.
Do you need a producer license to do this?
No. We do back-office accounting and reconciliation only — no selling, soliciting, or negotiating insurance, and no contact with your insureds. That keeps this outside producer-licensing scope; see the compliance section below for the full boundary.
What if the Commission Leakage Scan finds nothing?
Then we say so. The scan is priced to be worth its cost in findings alone — we don't manufacture a discrepancy to justify the fee, and an insurance-accounting reviewer signs off on every finding before you see it.
What do you need from us to start?
Your AMS export, your carrier appointment list, your last 3 months of carrier statements, and a signed authorization letting us draft (and, if you choose, send) carrier inquiries in your name.
Our bookkeeper already handles this — why do we need you?
Ask when they last found a missing commission. Zero, ever, isn't proof nothing's wrong — it's usually the tell that nobody's verifying line items against carrier statements, just booking totals.
Do you touch our premium trust account?
Never. We reconcile commission income only. We never move, hold, or control client premium funds, and any agency-bill trust account stays entirely under your own disbursement authority.
Is this a percentage-of-recovery deal?
The core desk fee is always flat, never hourly and never contingent. An optional recovery-share rider (20% of recovered dollars above $500/mo, capped) is available alongside a desk tier — and dropped entirely, desk fee standing alone, in any state where counsel review flags collection-agency licensing exposure.
Start a free Commission Leakage Scan
Tell us how to reach you and roughly how many carrier appointments you carry. We'll follow up to collect your AMS export and statements.
Compliance and scope
CommissionClear provides commission reconciliation and documentation-support services. We are not a licensed insurance producer, and we do not sell, solicit, or negotiate insurance on behalf of any party. We never move, hold, or control client premium funds. Carrier inquiries are drafted by us and sent under your agency's own identity, under a written administrative-agent authorization you control and can revoke at any time — this is receivables follow-up between contracted business parties, never third-party debt collection, and never a legal threat. Reports are prepared from records your agency supplies; they are not an audit and not tax, legal, or insurance advice. Full detail is in the compliance-checklist.md document of the CommissionClear build package, and in the operating blueprint dossier.