Enterprise & agency solutions
Enterprise commission audit software for insurance agencies.
The self-serve plans audit one agent's own book. If you pay downline producers, run several offices, or reconcile thousands of statement lines a month, every carrier payment is recomputed from your own contracted rates — splits, overrides and renewals included — and every shortfall comes back with the arithmetic shown.
No obligation. We reply personally, usually within one business day.
Every producer covered
Downline agents, multiple offices, one agency-wide view.
Volume statement scanning
Thousands of lines per month, custom carrier feeds supported.
Agency-wide reporting
Dispute letters, recovery tracking, and totals by carrier and agent.
Where an agency book leaks commission
Splits paid on the wrong percentage
A producer's split changes at renewal or after a promotion, and the carrier or your own payroll sheet keeps paying last year's percentage on every policy that agent wrote.
Downline business that never lands
A bound policy that appears on no statement for months is the costliest error in an agency book, and the hardest to see when statements arrive one producer at a time.
Overrides and bonuses unverified
Agency overrides and production bonuses are calculated by the carrier and rarely re-checked. Recomputing them from your contracted schedule is the only way to know.
Renewals slipping to new-business rates
Multiply a few dollars of rate error by every renewal across every producer and the annual number stops being small.
Twenty carriers, twenty layouts
Each carrier abbreviates products differently and changes the file format without notice. Statements are read as they arrive instead of being reformatted by hand.
Chargebacks nobody disputes
Reversals taken on a full term, or clawed back twice, quietly reduce a month's deposit. Every reversal is checked against what was actually earned.
Who this is for
Agencies paying other people's commission
FMOs, IMOs and downline hierarchies
Producer-level rate cards, override schedules, and totals rolled up by carrier, agent and month.
Multi-office and multi-state agencies
Life, health, Medicare and ACA in one place, with per-state Medicare amounts applied automatically.
High statement volume
Thousands of lines a month across spreadsheets, CSV exports, carrier PDFs, or statements emailed straight in.
How an agency rollout runs
- 1. A short call. Your carriers, pay cycles, producer splits and where the current process hurts.
- 2. Rate cards loaded. Per carrier and product, with new and renewal percentages, flat fees and per-state Medicare amounts.
- 3. Your book imported. A policy export from your agency management system, mapped to producers.
- 4. A back-audit. Recent statements re-run so you see what was already missed before you commit to anything.
- 5. Monthly going forward. Drop or email statements in, read the findings, send the dispute letters, track recovery.
Tell us about your agency
Takes about two minutes. We reply personally, usually within one business day.
Prefer email?
Write to us directly at support@commissionguardian.com — mention your agency size and we'll take it from there.
What happens next
- 1. We read your details and reply within one business day.
- 2. We schedule a short call to understand your carriers, statements, and pay cycles.
- 3. You get a proposal with pricing sized to your agency — no obligation.
Solo agent or small shop? The self-serve plans are probably all you need — no call required.