Every month, 10 to 30 carrier statements arrive in 10 to 30 formats. CommissionClerk compares every line against the policy records you send and hands you the exceptions: commissions that came in short, policies with no payment in the period, and chargebacks with no cancellation behind them.
This is a hands-on pilot. There is no software to install and no sales call — I do the first review for each agency myself, for free.
Start with your name and work email. We’ll agree on the files needed next.
Illustrative example · fictional data
Explore a sample review
Acme Mutual · July 2026 statement · fictional carrier, fictional policies. Pick a case to see what the review returns.
Short payment
HO-4471902 Homeowners · statement period July 2026
Agency record compared with the carrier statement for policy HO-4471902
Item
Agency record
Carrier statement
Premium
$1,842.00
$1,842.00
Commission rate
12%
8% implied
Commission
$221.04 expected
$147.36 paid
Difference to investigate$73.68
Why was this flagged?
The statement paid $147.36 on a $1,842.00 premium, which works out to 8%. The rate in the records you provided for this program is 12%, which would be $221.04. The difference is $73.68. Which rate actually applies has to be confirmed with the carrier: a schedule change or a program rule can explain it, and only their answer settles it.
Preview the carrier inquiry
Subject: Commission rate on HO-4471902 — July 2026 statement
Hello,
On your July 2026 statement, policy HO-4471902 (premium $1,842.00) paid a commission of $147.36, which corresponds to 8%. The schedule in our records for this program is 12%, or $221.04.
Could you confirm the rate that applies to this policy and, if 12% is correct, how the $73.68 difference will be adjusted?
Thank you,
[Agency name]
Missing payment
CA-2210447 Commercial auto · statement period July 2026
Agency record compared with the carrier statement for policy CA-2210447
Item
Agency record
Carrier statement
Premium
$3,410.00
no matching line
Commission rate
10%
no matching line
Commission
$341.00 expected
not located
Not located in the period$341.00 expected
Why was this flagged?
The policy is active in your records with a July 2026 effective date and a 10% rate on a $3,410.00 premium, so a $341.00 commission was expected. No line on the July statement matches it by policy number, insured or premium. That means we could not find it — not that the carrier failed to pay. It may sit on another statement, in a later period, or under a different reference, and the inquiry asks exactly that.
Preview the carrier inquiry
Subject: Commission not located for CA-2210447 — July 2026
Hello,
Policy CA-2210447 (premium $3,410.00, effective July 2026) is active in our records at a 10% commission rate, or $341.00. We could not locate a matching commission line on the July 2026 statement.
Could you confirm whether this commission has been paid — and if so, the statement period and payment reference — or when it is scheduled to be paid?
Thank you,
[Agency name]
Unexplained chargeback
PA-8830156 Personal auto · statement period July 2026
Agency record compared with the carrier statement for policy PA-8830156
Item
Agency record
Carrier statement
Policy status
active
no status shown
Cancellation
none on file
none referenced
Commission
no entry
−$96.75 chargeback
Chargeback to clarify$96.75
Why was this flagged?
The July statement reverses $96.75 of commission on this policy. A chargeback normally follows a cancellation or a mid-term change, and the records you provided show neither. It is listed as an amount to clarify, not as commission owed: the carrier may hold a cancellation or endorsement that never reached your system, and the inquiry asks for the reason, the effective date and the paperwork.
Preview the carrier inquiry
Subject: Chargeback on PA-8830156 — July 2026 statement
Hello,
The July 2026 statement shows a $96.75 commission chargeback on policy PA-8830156. We have no cancellation, endorsement or other change on file for this policy.
Could you share the reason for the chargeback, its effective date, and any supporting documentation?
Thank you,
[Agency name]
Identified for investigation — not confirmed errors. This example is interactive so you can see what a review returns; the review itself is done by hand, by the founder, on your own statements and records.
How it works
Send three statements
Last month’s statements from three carriers — PDF, CSV or spreadsheet — plus a policy list exported from your management system (AMS360, EZLynx, HawkSoft or QQ). We read the file you export. There is nothing to install and no connection to your system.
We compare line by line
We match every statement line to a policy by number, insured, premium and effective date, and flag policies in your records that should have paid in the period and didn’t.
You get the exceptions
Within 48 hours you get a line-by-line exceptions report with dollar amounts, plus a ready-to-send inquiry email for each carrier. Every line is a discrepancy to investigate; confirming that it is an error is the carrier’s answer, not ours.
A note from the founder
I’m Vinicius Koiti, a software developer based in Brazil. Right now I’m looking for a small number of independent agencies in Texas and Florida to run the first reviews with, and I do each review myself — for free — because it’s the fastest way to learn where the real work is.
If you reconcile carrier statements every month, I’d like to hear how you do it, even if your answer is “it’s fine as is.”
What we need, what’s in scope, and how your files are handled
Files we need
Last month’s commission statements from three carriers, in whatever format they arrive — PDF, CSV or spreadsheet — and a policy list exported from your management system. If an export is awkward to produce, tell us what you have and we’ll work from that.
Who this is for
Independent P&C agencies with 3 to 15 people.
10 to 30 carriers, including regionals, MGAs and E&S.
Agencies on AMS360, EZLynx, HawkSoft or QQ. We work alongside your system, not instead of it, and we read the files you export rather than connecting to it.
Direct-bill commissions only.
What we check
Commissions that came in short of the schedule in your records.
Policies with no payment found in the period.
Chargebacks with no cancellation behind them in your records.
Statement lines we cannot match to any policy you sent.
How your files are handled
What we receive
Statements and your policy export. We don’t need client Social Security numbers or bank details; if they appear in a file, they are redacted on receipt.
What we do with them
The reconciliation, and nothing else. No resale, no sharing, and no training of public AI models on your files.
Where they sit
In an access-controlled folder shared only with you, encrypted at rest and in transit.
How long we keep them
30 days after the report is delivered, then deleted — sooner if you ask.
Who sees them
Only the founder. There is no team and no subcontractor.