Insurance Agency Accounting That Speaks Your Language
We understand trust accounts, commission reconciliations, and carrier audits. No more explaining your business to your bookkeeper.
Book a CallWe Understand Insurance Agencies
Your agency's financial picture isn't just revenue and expenses. It's retention rates, loss ratios, contingent commissions, and premium volume trends. It's producer productivity, E&O exposure, and trust account reconciliations for carrier audits.
Most bookkeepers don't understand why you track policies in force separately from premium written. They don't know the difference between surplus lines and admitted carriers. They can't analyze your combined ratio or explain why commission income doesn't match premium volume.
We do. We work exclusively with insurance agencies and understand your business model, compliance requirements, and the KPIs that drive growth and profitability.
Your Biggest Accounting Challenges
The unique complexities that keep insurance agency owners up at night
Trust Accounting Complexity
Track every premium dollar from binding to payment, reconcile carrier statements, handle return premiums, and stay audit-ready. One mistake can cost you E&O coverage or carrier appointments.
Commission Reconciliation
Between contingent commissions, profit-sharing, chargebacks, and split commissions, reconciling carrier statements takes hours—if you even know what to look for.
Producer Performance Blindness
You know your top producers by feel, but can you see their actual profitability? Without data on commission per producer and new vs. renewal ratios, you're managing blind.
Compliance & Audit Stress
Carrier audits, surplus lines tax, E&O renewals, state reporting—the compliance burden never ends. Without organized books, every audit becomes a scramble.
What We Do for Insurance Agencies
Trust Account Management
- Direct Bill & Agency Bill Processing
- Carrier Statement Reconciliations
- Return Premium Tracking
- Premium Financing Accounting
- Cancellation & Rewrite Processing
- Audit-Ready Documentation
Commission Tracking & Analysis
- Producer Commission Payables
- Contingent Commission Tracking
- Profit-Sharing Reconciliations
- Chargeback Management
- Split Commission Allocation
- Commission vs. Premium Analysis
KPI Reporting & Dashboards
- Retention Rate / Persistency Tracking
- Loss Ratio Monitoring
- Combined Ratio Analysis
- New Business vs. Renewal Metrics
- Premium Volume Trends
- Producer Productivity Metrics
Compliance & Audit Support
- Surplus Lines Tax Filing
- E&O Compliance Documentation
- Carrier Audit Coordination
- State Reporting Requirements
- Trust Account Audit Prep
- Binding Authority Compliance
Financial Reporting
- Monthly Financial Statements
- Cash Flow Forecasting
- Budget vs. Actual Analysis
- Producer Profitability Reports
- Book Value Analysis
- Agency Valuation Support
Payroll & Operations
- Commission-Based Payroll
- Producer Draw Management
- Payroll Tax Compliance
- Benefits Administration
- Multi-Location Accounting
- System Integration & Sync
Why Choose Assurna
Insurance-Specific Expertise
When your retention rate drops 3 points, we know that's bigger than a 10% revenue dip. When contingent commissions arrive in Q1, we account for them properly. When carrier audits request trust account reconciliation, we have it ready—because we built your books with audits in mind.
Real-Time Performance Insights
Revenue and profit don't tell you if your agency is healthy. We track retention rates, loss ratios, new vs. renewal ratios, and producer productivity. See which producers are profitable, which lines are growing, and where your book is vulnerable—in real-time dashboards.
Seamless System Integration
We work with your existing tools—agency management systems, accounting software, or spreadsheets. No double-entry. No manual exports. Your premium data, commission tracking, and policy information flow seamlessly for accurate books without data entry headaches.
How It Works
Our proven process ensures a smooth transition and ongoing success
Discovery & Assessment
We review your accounting setup, system integrations, and compliance requirements. We identify gaps in KPI tracking and show you what insights you're missing.
Custom Implementation
We integrate with your systems, set up trust accounting workflows, configure commission tracking, and build custom dashboards tailored to your agency's needs.
Ongoing Partnership
Monthly statements, real-time dashboards, and proactive support for audits, tax filings, and compliance. Plus expertise for producer analysis and agency valuation.