Commission statements,
reconciled.
Carriers make mistakes on commission payments, and most agencies never check in a systematic way. AdminZero reads each carrier statement, compares it against the agency's commission agreements, and flags underpayments and missing policies before the window to claim them closes. Your accounting lead reviews every flag before anything goes back to a carrier.
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What does commission reconciliation automation do?
Commission reconciliation is the monthly check that what a carrier paid matches what the agency is owed. Done by hand it means downloading statements in a dozen formats and matching them line by line to policies in the agency management system, which is why it is so often skipped. AdminZero does the matching and leaves the decision to you.
- Reads carrier commission statements in the format each carrier sends
- Matches each line to the policy, premium, and commission rate on record
- Compares the paid rate against the agency's carrier agreements
- Flags underpayments, missing policies, and rate changes that were never agreed
- Drafts the query to the carrier for your accounting lead to review and send
Where do agencies lose commission?
Rarely in one large error. It leaks: a tier applied at the wrong rate, a policy that never appears on the statement, a cancellation reversed without the commission following, a contingent or bonus term nobody tracked. Because every carrier formats its statement differently, the agency's process breaks each time a format changes, and the check quietly stops happening. Most carrier agreements also limit how far back a discrepancy can be claimed, so money that is not found in time is simply gone.
How does it fit your AMS and accounting?
AdminZero works from the statements you already receive and the policy records already in your AMS, so nothing is re keyed. It does not replace your accounting system or post entries on its own. It produces a reconciled view and a list of exceptions, each with the evidence behind it, and every step is logged for an audit ready record.
Who decides what to claim back?
Your people do. AdminZero flags and drafts; your accounting lead or principal reviews each exception and decides whether to raise it with the carrier. Nothing reaches a carrier without that review. The result is a recurring check that runs every month instead of never, and revenue the agency is owed comes back on the agency's terms.
Common questions
Can AI reconcile insurance commission statements?
Yes. AI can read carrier commission statements in their varying formats, match each line to the policy and commission rate on record in the agency management system, compare the paid rate against the agency's carrier agreements, and flag underpayments or missing policies. A person reviews each flag before anything is raised with a carrier.
How much commission do agencies typically lose?
It varies by agency and carrier mix, and AdminZero does not publish a figure. Losses usually come from small recurring errors rather than one large one: a wrong tier, a missing policy, a reversed cancellation. The reliable way to know your own number is to reconcile every statement for a few months and add up the exceptions.
Does AdminZero post entries to my accounting system?
No. AdminZero produces a reconciled view and a list of exceptions with the evidence behind each one. Your accounting team keeps control of what is posted and what is claimed from the carrier.
Is there a deadline to claim underpaid commission?
Most carrier agreements limit how far back a discrepancy can be claimed, and the terms differ by carrier. Check your agreements. AdminZero flags exceptions on each statement as it arrives, so discrepancies are found while they can still be raised.
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