CommissionClear turns 40+ inconsistent carrier statements a month into one penny-perfect Commission Ledger and a chased Discrepancy Docket — every statement line matched to your AMS book, every discrepancy classified against the commission schedule, and an insurance-accounting reviewer's signature on every Monthly Reconciliation Pack before it ships.
An independent agency receives 40-plus carrier statements a month, in 40 different formats, and nobody in-house has the hours — or the insurance-specific knowledge — to verify a single line item against the agency's own book of business.
So statement totals get booked as lump revenue and never reconciled. Missing and short-paid commissions go unchased, producer payout disputes have no statement-backed answer, and commission revenue can't be tied to source statements at tax time or in an acquisition.
CommissionClear closes that gap with one exhaustive reconciliation standard applied identically to every statement, every carrier, every cycle.
CommissionClear reconciles every statement line against your commission schedule to the penny, and stays strictly inside the back-office accounting lane. These are the provisions and boundaries every ledger is measured against — cited, not assumed.
Selling, soliciting, and negotiating insurance require a producer license under the NAIC Producer Licensing Model Act; pure reconciliation with no consumer contact does not. CommissionClear gives no policy advice and never negotiates a policy — the boundary is written into every engagement.
Where states impose fiduciary trust duties on premiums an agency holds, CommissionClear never moves, holds, or controls premium funds. It reconciles commission income only; disbursement authority stays with the agency at all times.
Chasing a carrier for an underpaid commission is commercial receivables follow-up between two contracted business parties, not third-party consumer debt collection. Every inquiry goes out under the agency's own identity.
Nevada's commercial-collection reach is read the same way, and the optional recovery-share rider is dropped entirely in any state where counsel flags collection-agency exposure — the flat desk fee stands alone there.
Under the GLBA Safeguards Rule, carrier statements carrying insured names, policy numbers, and premium figures require encryption at rest and in transit, access logging, per-agency segregation, and defined retention limits — not optional.
The Gramm-Leach-Bliley Act governs the nonpublic personal information carrier statements contain. Data is minimized, per-agency isolated, and never used to train models.
AI extracts and drafts. Deterministic code — running outside the model — owns every dollar of math and every tie-out. A named insurance-accounting reviewer signs every release. That order is never reversed.
Send your AMS export, carrier appointment list, and last 3 months of carrier statements. We return a free completeness read: matched percentage, unmatched lines, and missing or short-paid items with an estimated dollar value.
Each carrier statement is extracted into a common schema, tied out against its own stated total, then matched line by line against your AMS book of business. Ambiguous matches route to a reviewer, never a guess.
AI drafts discrepancy classifications from your validated data and the applicable commission schedule — missing, short-paid, late, chargeback, or rate-mismatch — each with a source citation. No discrepancy is confirmed by the model.
All money math runs in versioned code: sums, splits, materiality thresholds, duplicate-payment detection, and the ledger-must-balance-to-statement-total gate. Any failure blocks release.
A named insurance-accounting reviewer signs every Commission Ledger; a second reviewer covers any docket over $2,500 or a first-time carrier before anything ships.
You receive the Monthly Reconciliation Pack — ledger, Discrepancy Docket, recovered-dollars report, producer payout statements, posting file — and approved carrier inquiries go out under your own name, with aging tracked automatically.
The deliverable is a finished, reviewer-signed ledger — not software the agency has to run every month. Enterprise reconciliation platforms and BPO engagements are priced for thousands of statements; this is sized for the $500K-$5M agency they do not serve.
Every dollar of tie-out is code, never a model's opinion. A drafting error cannot slip a wrong number past the statement total.
CommissionClear reconciles commission income and chases carriers as the agency's authorized agent. It is not a producer, a debt collector, or a law firm, and it never contacts an insured or gives legal advice.
Simple, predictable pricing aligned with a reconciliation standard — not a cut of any recovery.
Start with a free Commission Leakage Scan. Send your AMS export and last 3 months of carrier statements, and we'll return a reviewer-signed completeness read against your own book of business.
Commission reconciliation and documentation service · not legal, tax, or insurance advice · your agency sends every carrier inquiry.
[PLACEHOLDER] Pilot statement-match rate — our target is a 55% match floor rising to 62%+ by month 12. The real measured rate appears here once the first pilot agencies complete a full direct-bill reconciliation cycle. No number is shown until it is earned.
[PLACEHOLDER] First agency reference — added only with a named pilot agency's written permission. CommissionClear never invents a testimonial or a carrier logo.
[PLACEHOLDER] Total commission dollars recovered to date — a live, auditable figure once real direct-bill discrepancies have been reconciled and paid; blank until then, never estimated.