Your AMS records what your agency expects to receive. The carrier commission statement shows what the carrier reported. Those numbers can disagree.
CommiCheck reconciles carrier commission statements against your agency's expected commissions to uncover missing commissions, underpayments, duplicates, rate differences and other exceptions.
Launch Evaluation Workspace →
Most agencies start reconciliation with the carrier statement. That's backwards. If a commission is missing completely, there is nothing on the carrier statement to flag. You have to start with what your agency expected to receive and ask: Where is it? That is the gap between ordinary commission accounting and true insurance commission reconciliation.
A useful reconciliation should tell you why something doesn't match. CommiCheck classifies every discrepancy so your team knows where to look.
| Policy | Carrier | Agency | Difference | Status / Reason |
|---|---|---|---|---|
| ABC-10291 | $1,260.00 | $1,260.00 | $0.00 | Matched |
| ABC-10314 | $840.00 | $1,120.00 | -$280.00 | Underpaid (Rate Diff) |
| ABC-10402 | — | $420.00 | -$420.00 | Missing in Carrier |
| ABC-10550 | $650.00 | $650.00 (x2) | Review | Split / Grouping Diff |
CommiCheck answers the critical questions upfront: What did we expect? What did the carrier report? What's the difference? Which records were compared? Why wasn't this treated as a normal match?
The hard part isn't finding matches. It's knowing what happened to everything that didn't match cleanly.
Installments reported separately over time, across multiple billing cycles.
Producer splits spanning multiple rows for a single policy transaction.
One agency transaction represented by multiple carrier rows, or vice versa.
Policy suffix mismatches, endorsements, and transaction-type differences.
Commission rate differences and systematic contract rate gaps.
Duplicate transactions, timing offsets, and missing policy identifiers.
Your AMS is where your agency records what it expects. Your carrier statement is where the carrier reports what it paid. The problem is the gap between them. CommiCheck doesn't replace your AMS. It doesn't ask your accounting team to move their books into another system. It provides an independent commission reconciliation layer between your agency records and carrier statements.
What your agency expected
Independent check
What the carrier reported
A useful commission reconciliation workflow should move from discovery to action. Because identifying money you're owed is only useful if someone can follow it through to recovery.
Catch the discrepancies between expected and reported commissions.
See row-level evidence and rates behind every exception.
Generate precise carrier-ready query details.
Keep unresolved shortfalls organized and visible.
Close the gap and collect earned agency revenue.
Small commission discrepancies don't always look important individually. Across hundreds or thousands of transactions, they can become meaningful. Use the CommiCheck calculator to estimate the commission exposure associated with your agency's premium and commission volume.
Built for the operators responsible for finding where commissions fell through the cracks.
Spend less time manually comparing carrier statements against expected commissions.
Find exceptions that deserve attention instead of searching through every transaction.
Start with the rows that need investigation rather than checking everything manually.
Get a clearer view of whether expected commission revenue is actually being collected.
Provide the carrier commission statement and agency expected commission data.
CommiCheck compares the records and identifies matches and exceptions.
Start with what needs attention instead of manually checking every row.
Don't believe us. Test your own numbers with real statement data.
Launch Evaluation Workspace →Test the engine using your own carrier statements for free. Upgrade when you're ready to stop hunting for missing commissions row-by-row.
Built for agencies that want to reconcile their direct-bill commissions without adding another accounting system.
Your AMS can record expected commissions and provide the agency records you need for accounting. But insurance commission reconciliation requires comparing those expected commissions against what carriers actually report on their commission statements.
That comparison can expose missing commissions, underpayments, duplicates, split transactions, rate differences and other exceptions.
CommiCheck does not replace your AMS. It provides an independent check between your AMS records and carrier commission statements.
Because a carrier statement can only show you what the carrier reported.
If a commission your agency expected was never reported, there may be no carrier transaction to flag as an error.
That is why carrier commission reconciliation should work in both directions: compare carrier payments against agency expectations, and look for agency expected commissions that are missing from the carrier statement.
A clean carrier statement does not necessarily prove that every expected commission was paid.
A completely missing commission is one of the easiest discrepancies to overlook because there is no carrier row to compare.
CommiCheck starts with the agency's expected commissions and checks whether corresponding transactions appear in the carrier data.
This can help identify missing insurance commissions, including expected transactions that do not appear on the carrier commission statement.
A typical insurance commission reconciliation compares the carrier commission statement with the agency's expected commission records.
CommiCheck lets you upload the relevant data, compares the records, and identifies exceptions such as missing commissions, underpayments, overpayments, duplicates, grouping differences and rate discrepancies.
Instead of manually checking every row, your accounting team can start with the transactions that require attention.
Because your AMS and the carrier statement serve different purposes.
Your AMS records what your agency expects to receive. The carrier statement reports what the carrier says was paid.
CommiCheck is not another system of record. It is the independent comparison between the two.
You keep your existing AMS and accounting workflow while using CommiCheck for commission statement reconciliation.
No.
CommiCheck is designed to work alongside your existing AMS rather than replace it.
Your AMS remains the source for your agency's expected commission records. CommiCheck compares those records with carrier commission statements to identify discrepancies.
It can work with exported data from systems such as Applied Epic, AMS360, EZLynx and HawkSoft, provided the relevant commission data can be exported in a supported format.
Insurance commission reconciliation is the process of comparing commissions an agency expects to receive with commissions reported or paid by the carrier.
The purpose is to identify differences such as missing commissions, commission underpayments, overpayments, duplicates and other discrepancies.
CommiCheck automates much of the comparison so the accounting team can focus on investigating exceptions rather than manually matching every transaction.
Start with the commissions your agency expected to receive rather than only reviewing the carrier statement.
Compare the agency's expected commission records with the carrier's reported transactions and identify expected commissions for which no corresponding carrier transaction can be found.
That is an important part of insurance commission reconciliation, because a missing payment may not appear as an obvious error on the carrier statement.
A commission underpayment occurs when the carrier reports or pays a commission amount that is lower than the amount the agency expected to receive.
For example, if the agency expected $1,000 in commission but the carrier reported $850, the $150 difference is an underpayment that may require investigation.
CommiCheck can identify these differences during commission reconciliation and show the expected and reported amounts so the accounting team can investigate the exception.
Yes. Duplicate transactions can be identified as part of the reconciliation process when the available transaction data provides sufficient evidence that the same commission has been reported more than once.
Duplicates matter because a reconciliation process should not simply identify missing money. It should also identify situations where the carrier data contains more transactions or commission than expected.
CommiCheck is designed to handle situations where commission records do not map neatly one-to-one.
This includes producer splits, installment transactions and one-to-many or many-to-one transaction relationships where related records may need to be evaluated together.
The goal is to avoid treating every difference in row structure as a genuine commission discrepancy.
Yes, within the reconciliation rules supported by the engine.
Commission transactions do not always appear on the carrier statement in the same reporting period as they appear in the agency's records. CommiCheck can evaluate related transactions within its configured date tolerance rather than relying on an exact date match alone.
The date is supporting evidence, not necessarily the identity of the transaction.
CommiCheck is designed around temporary processing of uploaded CSV data rather than keeping raw commission files as a permanent database.
The purpose is to process the carrier statement and agency commission data, produce the reconciliation results and allow the agency to review the exceptions without turning the uploaded files into a long-term data store.
Depending on the data provided, CommiCheck can identify discrepancies including:
The objective is not simply to produce a matched percentage.
It is to identify the records that deserve attention.
CommiCheck is a commission reconciliation tool, not a substitute for a formal financial audit.
It compares agency expected commissions with carrier-reported commission data and provides evidence for investigating discrepancies.
It can help an agency identify potential commission leakage and exceptions, but the agency remains responsible for reviewing the results and determining the appropriate accounting or carrier follow-up.
The first step is knowing where discrepancies occur.
Regularly reconciling carrier commission statements against agency expected commissions can help identify missing commissions, underpayments, duplicates and other exceptions before they disappear into later accounting periods.
CommiCheck provides an independent insurance commission reconciliation workflow so accounting teams can identify and investigate these exceptions more consistently.
No major system replacement is required.
The basic workflow is:
Export your agency commission records → provide the carrier commission statement → reconcile → review exceptions.
CommiCheck is designed to fit around the systems your agency already uses rather than requiring the agency to migrate its accounting or AMS data into a new platform.
There is no universal percentage that applies to every agency.
The amount depends on factors such as transaction volume, carrier mix, commission rates, reporting practices and how consistently expected commissions are reconciled against carrier payments.
Instead of assuming a specific loss rate, use the CommiCheck Commission Leakage Calculator to estimate the amount of commission exposure that may justify a closer reconciliation.
The calculation is a reason to investigate, not a claim that your agency is definitely losing that amount.
You do not need to start with a sales call.
Use a carrier commission statement and the corresponding agency expected commission data to run a real reconciliation.
You can then see which transactions match, which require review and whether CommiCheck can uncover discrepancies in your own commission data.
Don't take our word for it. Test your own numbers.
Your agency doesn't need another system that tells you what you already know. You know what your AMS says. You know what the carrier statement says. What you don't know is whether they agree. That's the job CommiCheck is built to do.
Independent insurance commission reconciliation for independent P&C agencies.Take a carrier commission statement. Take the corresponding agency commission records. Run a real reconciliation. See what matches. See what doesn't. Then decide whether CommiCheck belongs in your month-end workflow.
Launch Evaluation Workspace →