Policy and premium / Commissions
One accrual, two views, no argument
Commission accrues as premium is earned and resolves through the agency hierarchy. Carrier-side and agency-side views read from one service, so the numbers cannot disagree.
Most commission disputes are not disagreements about the rate. They are two systems computing the same figure differently.
Reconcile a statementWhy do our commission numbers never match the agency’s?
Usually because they are produced twice — once for the carrier ledger and once for the agency statement — from data that has drifted. Here both views call the same service over the same accrual, so there is no second calculation available to be wrong.
Accrued, resolved, reconciled
How commission is produced
- 01
Accrual follows earned premium
Commission accrues as premium is earned rather than when it is billed, so the liability tracks reality instead of the invoice calendar.
- 02
Hierarchy resolves the split
Agency, principal and producer relationships are platform data, and the schedule attached to the relationship determines the split.
- 03
Both sides read one source
The agency’s statement and the carrier’s ledger are two views of the same accrual, produced by the same service.
- 04
Reconciliation is a screen
Commissions accrued against commissions owed, alongside installments against rated premium and ledger against collected.
Where disputes come from
The usual causes, and what removes them
Every row here is a dispute we have heard described as a rate disagreement and which turned out to be an arithmetic or timing difference.
| Cause of dispute | What prevents it |
|---|---|
| Two systems, two figures | One accrual, one service, two views |
| Timing: earned versus billed | Accrual follows earned premium explicitly |
| Hierarchy changed mid-term | Relationships and schedules are versioned platform data |
| Fees counted as premium | Fees are itemized separately and do not inflate the base |
| Statement arrived late | Statements are self-served in the Producer Portal |
What we do not decide
The platform computes accurately from your terms. The terms themselves are a commercial matter.
Schedules are yours
We ship no commission schedules. Rates and splits are your agreements with your distribution.
Chargebacks need rules
Cancellation and endorsement chargeback behavior follows the rules you configure; there is no default we would defend.
Screens are in build
The accrual engine is complete; parts of the surrounding Billing Portal surface are still building.