1. Your policy book
A CSV export from your agency management system (or a spreadsheet saved as CSV), one row per policy. Columns recognised: policy number, insured, carrier, line of business, effective date, premium, commission rate, new or renewal, status, billing (agency or direct).
2. The commission statements
One CSV per carrier. The file name is used as the carrier name (for example Northbridge Mutual.csv) unless the file has a carrier column. Columns recognised: policy number, insured, transaction type, effective date, premium, rate, commission, statement date. A title block above the header row is fine. A PDF statement has to be converted to CSV first.
3. Your agency and the period
Leave the period blank to read it from the statement dates. Policies only count as missing once their effective date plus the days above falls inside the period.
Load the policy book and at least one statement, then click Reconcile.
Result
Money worth asking about
| Carrier | Lines | Commission paid | Items | To ask about |
|---|
Review request
Findings
The checks it runs, and what it leaves out
- Matching: a statement line belongs to a policy with the same number at the same carrier, ignoring punctuation, case and leading zeros. A term suffix (PA-100231-01) is matched to PA-100231 and said so. A number found only at another carrier is matched when exactly one policy has it, and said so.
- No commission: a policy with no positive line on any statement you loaded, once it is due. Cancelled policies, policies not yet due and policies already charged back are left out. Direct-billed policies are a warning, because their commission arrives with installments.
- Paid at a different rate: paid commission divided by the statement premium against the book rate, then the rate table, then what the carrier pays you on the other lines of that kind (five or more lines, one rate on at least 60% of them).
- Chargebacks: a negative line on a policy your book shows in force is listed. A chargeback on a cancelled policy is not.
- Duplicates and totals: identical lines, and a statement total that differs from the sum of its lines.
- Not decided: what your producer agreement says, whether a cancellation was earned, vesting, splits between producers, contingent or bonus commission, or anything a carrier owes. The rate used is the one you typed or exported.
Common questions
How do you reconcile carrier commission statements?
Match each statement line to a policy in your book by policy number and carrier, work out what the book says each policy should have paid (premium times the agreed rate), and look at what is left over: policies with no line, lines paid at a different rate, chargebacks on policies still in force, duplicate lines, and a statement total that differs from its lines. This page does that match in your browser.
How do I know a policy is really missing and not just late?
A policy is only called missing once its effective date plus the carrier's usual lag (30 days by default, change it) falls inside the statement period you load, and it is on none of the statements. Policies not yet due are counted separately, and policies due before the period are listed as possibly paid on an earlier statement.
What if I do not know my commission rate for every policy?
Use the rate column in your book, or paste a small rate table with a carrier, a line and new and renewal rates. With neither, the page compares each policy with what that carrier pays you on the other policies of the same line, once there are five or more lines and one rate clearly dominates.
Why would a carrier charge back a policy that is still active?
Usually because the carrier recorded a cancellation, a rewrite or a non-pay that your records do not show, or because it reversed the wrong term. Either your book is out of date or the carrier's status is wrong, and the page lists each case so you can ask.
Does it send anything to the carrier?
No. It writes a review request per carrier that you can copy into an email. The request states amounts as your calculation and asks the carrier to confirm or correct, because the producer agreement and the carrier's records decide what is owed.
Are the files uploaded anywhere?
No. Both files are read in your browser and nothing is sent; a test in the code asserts there are no network calls.