For Insurance Agencies & Brokerages
A book of business
is a decade of
trailing commissions.
First-year rates, renewal trails, carrier overrides, chargebacks when a policy lapses in month two, producer-versus-house splits. Insurance comp is long-tailed and unforgiving — and most commission tools were built for one-and-done SaaS deals.
We Speak Your Language
Sound familiar?
Agency comp isn't hard because the math is exotic. It's hard because it never ends.
Renewals trail for years
A policy written in 2023 still pays in 2026 — at a different rate than year one. Multiply by every producer's book and the spreadsheet stops fitting in anyone's head.
Carrier statements in twelve formats
Every carrier reports commissions differently, on a different schedule. Reconciling what the carrier paid the agency against what the agency owes each producer is a monthly forensic exercise.
Chargebacks on lapsed policies
A policy cancels in month three; the advance already went out in month one. Somebody has to remember, compute the chargeback at the right rate, and explain it to the producer.
Splits nobody wrote down
Producer 60, house 40 — except this account is 50/50, and that one has an override for the principal. When splits live in tribal knowledge, every statement is a negotiation.
No Custom Development
Your plan shapes, out of the box
Commission structures with a long memory need software with one. That's the whole design.
First-year vs. renewal rates
Different rates by policy year, by line of business, by carrier — configured as rules, not formulas buried in a workbook.
Trailing renewal commissions
Recurring commission on every active policy in the book, every period, for as long as it stays in force.
Chargeback windows
Policy lapses or cancels inside the window? Commish claws back against the original payment at the original rate and split — and shows the producer exactly which policy and why.
Producer / house splits & overrides
Per-producer, per-account splits, plus principal and agency overrides — every party's cut from the same policy, each with their own statement.
Advances that reconcile
Pay advances up front and net them against earned commission as it lands — no side ledger, no surprise negative month.
Carrier reconciliation
Load carrier statements and reconcile what came in against what went out, policy by policy. When they disagree, you see it before the producer does.
Receipts, Not Vibes
What a producer actually sees
A statement that reads like their book — new business, the trail, and the chargeback with its reason attached.
Illustrative numbers. Behind each line: the policies, the rates, and the rule that produced it.
Producer statement — illustrative
June commission cycle
New business
9 policies written · first-year rates
$6,840.00
Renewal trail
312 in-force policies · renewal rates
$3,187.40
Principal override
2% of agency production
$412.55
Chargeback
Policy lapsed month 3 · advance recovered
−$518.00
Net payout
$9,921.95
No Pitch, Just Answers
We won't pretend to be an AMS. We do one job: pay producers correctly.
Commish isn't an agency management system and doesn't want to be. It takes the data you already have — from your AMS, your carriers, or a CSV — and does the part they're all bad at: calculating what every producer is owed, with an audit trail down to the policy. If your comp plan fits on a napkin, keep the napkin. If it has trails, chargebacks, and splits, talk to us.
Get Started
Every trail, every chargeback,
every split — with a receipt.
Upload your book, describe your plan, run it. Every dollar traced to the policy that earned it. Free to start.