CommissionClear — Direct-Bill Commission Reconciliation & Recovery Desk for Independent Insurance Agencies

Audience

independent P&C-led insurance agency principals and ops/accounting managers, $500K-$5M annual commission revenue, 15-80 carrier appointments

Problem

An independent agency gets 40+ carrier commission statements a month, in 40 different formats, and nobody has the hours to verify a single line item against the agency's own book of business. So the agency books statement totals as lump revenue and never checks whether carriers paid correctly. Missing and short-paid commissions go unchased forever, producer payout disputes have no statement-backed answer, and commission revenue can't tie to source statements at tax time or in an acquisition.

Offer

On CommissionClear, agencies stop guessing and start getting a signed Commission Ledger every reconciliation cycle. Send us your AMS export and carrier statements; AI extracts and normalizes every line, matches it against your book of business, an insurance-accounting reviewer approves every discrepancy, and you get a Monthly Reconciliation Pack — ledger, docket, recovered-dollars report, payout statements, posting file — by the 5th business day. Carrier inquiries go out under your own name, never as a demand.

Operating process

[
  {
    "body": "Send your AMS export, carrier appointment list, and last 3 months of carrier statements, and sign a limited authorization so we can draft (and optionally send) carrier inquiries as your agent. Each document is logged and hashed on arrival; missing items are flagged before any work starts.",
    "title": "Intake: send your agency's records"
  },
  {
    "body": "Each carrier statement is extracted into a common schema and tied out against its own stated total, then matched against your AMS book of business line by line.",
    "title": "Normalize and match"
  },
  {
    "body": "AI drafts discrepancy classifications and carrier inquiries from your structured data. Deterministic code — not a language model — confirms every ledger ties to the penny, sets aging clocks, and screens for chargeback/rate-mismatch patterns.",
    "title": "Classify in deterministic rules"
  },
  {
    "body": "An insurance-accounting reviewer certifies every release. Anything ambiguous — a low-confidence match, a high-value discrepancy, a first-time carrier — is held for a second reviewer before anything ships.",
    "title": "Reviewer release gate"
  },
  {
    "body": "The Monthly Reconciliation Pack ships by the 5th business day; approved carrier inquiries go out the same day, with aging tracked automatically.",
    "title": "Deliver and track"
  }
]

Evidence status

Domain-design coverage

Passed: 17; total: 17; coverage: 100.

Open the complete public blueprint DNA (JSON)