Scale Your Agency Book. Delegate Direct Bill Reconciliations, Premium Trust Accounts & Producer Splits Without Management Overhead.
You grow revenue by binding commercial policies, managing risk, and retaining policyholders—not untangling insurance accounting knots. Stop spending 20+ hours every month reconciling carrier commission statements, calculating producer tiered splits, balancing agency-bill receivables against company payables, and stress-testing fiduciary trust accounts. Access elite insurance bookkeeping specialists supervised by a free dedicated project manager.
Dedicated Account PM
Supervising your agency accounting free
Never pay for carrier statement delays, accounting lulls, or PM supervision. Pay strictly for productive agency bookkeeping hours.
What Your Managed Insurance Bookkeeper Executes Daily
Free up 15–30 strategic agency hours each week. From direct bill carrier commission statements and premium trust auditing to producer split payroll and AMS-to-QuickBooks reconciliation, every deliverable is verified by your Project Manager.
Direct Bill Commission Downloads & Reconciliation
Eliminating unapplied cash and carrier discrepancies. Downloading monthly commission statement PDFs and IVANS electronic download files, matching policy numbers, and reconciling expected vs. received revenue.
- ✓ Reconciling electronic carrier statements across 30+ carriers
- ✓ Identifying short-paid commissions, chargebacks & policy lapses
- ✓ Posting received commissions into AMS (AMS360, Applied Epic, HawkSoft)
Agency Bill Invoicing & Carrier Payables
Mastering complex commercial lines flow. Generating agency bill invoices to commercial clients, recording payments, reconciling carrier account current statements, and scheduling net carrier premium payments.
- ✓ Preparing itemized agency bill invoices & premium finance schedules
- ✓ Auditing carrier monthly Account Current statements against bound quotes
- ✓ Tracking net-payable remittances to surplus lines wholesalers & MGAs
Premium Trust Account & Fiduciary Compliance
Safeguarding your agency license and avoiding state Department of Insurance (DOI) audit fines. Maintaining strict separation between fiduciary premium funds and general operating accounts.
- ✓ Daily reconciliation of premium trust bank accounts to AMS ledgers
- ✓ Calculating and scheduling authorized earned commission sweeps
- ✓ Zero commingling guarantee between operating and fiduciary deposits
Producer & Sub-Agent Commission Split Calculations
Ending monthly producer payroll friction. Calculating complex tiered splits, new business vs. renewal percentages, CSR bonuses, referral fees, and processing itemized agent pay statements.
- ✓ Calculating new business (e.g. 50%) vs. renewal (e.g. 30%) splits
- ✓ Deducting chargebacks, policy cancellations & marketing advances
- ✓ Generating detailed producer commission statements before direct deposit
AMS to QuickBooks / General Ledger Synchronization
Bridging the gap between your insurance CRM and accounting software. Reconciling sub-ledger activity inside your AMS (Applied Epic, AMS360, EZLynx) with QuickBooks Online or Xero.
- ✓ Monthly journal entries syncing AMS balance sheets with QBO
- ✓ Categorizing agency overhead, licensing fees & marketing costs
- ✓ Eliminating double-entry errors between agency software and banks
Aging AR Follow-Up, Audits & Return Premium Tracking
Protecting cash flow and policyholder retention. Monitoring 30/60/90-day aging agency bill receivables, processing endorsement return premiums, and coordinating payroll audit adjustments.
- ✓ Tracking overdue commercial premium payments prior to cancellation notice
- ✓ Reconciling annual workers' comp and general liability audit adjustments
- ✓ Issuing return premium refund checks to policyholders promptly
Insurance Agency Management Systems Our VAs Master
Factually accurate, industry-standard AMS accounting modules, general ledgers, and download platforms used across independent agencies.
How SageDoer Manages Your Insurance Accounting Desk
No hiring headaches. No agency jargon training curve. Your dedicated Project Manager oversees deliverables, verifies premium trust reconciliations, and ensures producer commission deadlines are met.
Submit Requirements
Share your agency management system (Applied Epic, AMS360, HawkSoft, EZLynx), carrier count, direct vs agency bill mix, and accounting bottlenecks via Email, Form, or WhatsApp.
Finalise the Deal
Our dedicated Project Manager connects with you to establish mutual NDAs, review producer split agreements and chart of accounts, configure secure role-based sub-user logins, and schedule weekly capacity.
Expert Execution
Your Project Manager directs our vetted insurance bookkeepers, supervising carrier statement reconciliation, trust account balancing, producer split statements, and journal entries.
Pay Only for Output
We track and bill solely for the virtual assistant's pure working hours. Your dedicated Project Manager's supervision and QA audits are completely free.
Managing multiple agency locations or commercial surplus lines books?
Schedule a call with our solutions director to structure dedicated insurance accounting pods.
Traditional Platforms vs. The SageDoer Advantage
Why independent agency principals, P&C brokers, and insurance operations directors choose SageDoer over generic unvetted freelancers on Upwork or Fiverr.
| Operational Factor | Traditional Platforms (Upwork / Fiverr) | SageDoer Managed Model |
|---|---|---|
| Platform & Management Fees | Up to 40% in hidden markups, client fees, and recurring memberships | ✓ 0% Hidden Fees. Pay strictly for hours worked. |
| Daily Team Management | You must chase, train, and supervise freelancers on insurance terminology yourself | ✓ Dedicated Project Manager acts as your single point of contact |
| Quality Assurance | Unverified credentials leading to trust account commingling errors and producer split disputes | ✓ Internally vetted, rigorously trained insurance accounting specialists |
| Hiring & Deployment Speed | Weeks of reviewing resumes while unapplied cash piles up and carrier reconciliations stall | ✓ Instant delegation. We assign the right specialist within 24 hours. |
| Billing & Invoicing | Complex, multi-freelancer invoices with international currency fees | ✓ Simple, unified, centralised USD invoicing |
| Staff Turnover & Replacements | Freelancers disappear right in the middle of month-end carrier closing crunch | ✓ Seamless internal replacements with zero workflow disruption |
Flat Hourly Pricing. Zero Management Cost.
No lock-ins, no unexpected platform markups, and no recruiter fees. Your dedicated project manager is included 100% free with every plan.
Part-Time
Ideal for boutique independent agencies or single-location brokers needing weekly direct bill reconciliation, trust account balancing, and monthly producer split statements.
- ✓ Pay only for hours of pure work
- ✓ Dedicated Project Manager included
- ✓ Free management supervision & QA
- ✓ Zero setup or onboarding fees
- ✓ No monthly membership charges
Full-Time
Complete 160 monthly hours of dedicated support for commercial lines brokerages, multi-producer agencies, and high-volume MGAs managing complex agency bill portfolios.
- ✓ Pay only for hours of pure work
- ✓ Dedicated Project Manager included
- ✓ Free management supervision & priority turnaround
- ✓ Zero setup or onboarding fees
- ✓ No monthly membership charges
Managing multiple regional agency clusters or need specialized Applied Epic / AMS360 migration cleanup? Talk to Samrat Pal (Our Solutions Director) →
Trusted by Independent Agency Principals & Brokers
Hover over any testimonial card to pause the continuous feed.
"We represent 24 commercial and personal lines carriers. Downloading and matching direct bill statements in Applied Epic used to consume the first 12 business days of every month. Our SageDoer VA reconciles statements daily, tracks carrier commission discrepancies, and keeps our trust account clean."
"Producer commission split calculations were a constant source of friction. SageDoer calculates our 8 producers' tiered splits, accounts for return premium chargebacks, and prepares itemized statements right on time. The dedicated PM review guarantees zero spreadsheet calculation errors."
"State DOI premium trust regulations in California are merciless. SageDoer reconciles our AMS360 trust ledger to our bank daily and calculates our commission sweeps with zero commingling. At $6/hour on full-time, the peace of mind alone is worth ten times the cost."
"Zero platform fees, no currency conversion headaches, and zero freelancer ghosting. Having our dedicated PM oversee our month-end journal entries into QuickBooks Online has saved our outside CPA 15 hours every single quarter."
"We represent 24 commercial and personal lines carriers. Downloading and matching direct bill statements in Applied Epic used to consume the first 12 business days of every month. Our SageDoer VA reconciles statements daily, tracks carrier commission discrepancies, and keeps our trust account clean."
"Producer commission split calculations were a constant source of friction. SageDoer calculates our 8 producers' tiered splits, accounts for return premium chargebacks, and prepares itemized statements right on time. The dedicated PM review guarantees zero spreadsheet calculation errors."
Frequently Asked Questions
Genuine questions independent insurance agency principals, brokers, and MGAs ask before delegating their bookkeeping to SageDoer.
Ready to Clean Up Your Agency Books & Save 20+ Hours Every Month?
Tell us about your agency management system, carrier mix, or monthly reconciliation bottlenecks. Our dedicated Project Manager will analyze your setup and propose a customized delegation plan.
Submit Your Insurance Bookkeeping Requirements
Tell us about your agency management system, carrier mix, or reconciliation bottlenecks. Your dedicated Project Manager will review and reply within 2 hours.