For insurance brokerages & MGAs
Commission statements nobody fully reconciles. Policies nobody fully checks against what was bound. Two piles of paper where the errors cost real money in opposite directions — one in revenue, one in E&O exposure.
Two piles.
Both only spot-checked.
A carrier commission statement arrives with several hundred lines. Someone should confirm each line against the policy that was actually bound, at the rate actually agreed, for the term actually written. In practice somebody checks the totals, investigates anything obviously odd, and posts the rest — because doing it properly is minutes per line across thousands of lines.
Meanwhile the issued policy comes back from the carrier and should be compared against the application and the binder — coverage, limits, deductibles, named insureds, endorsements. That check is the control that catches a carrier's error before your client discovers it at claim time.
These are the two document processes in a brokerage where not checking has a direct financial consequence. One quietly reduces revenue. The other quietly builds errors-and-omissions exposure that only surfaces when it is expensive.
Two benefits, argued separately
Take a brokerage processing 2,000 commission lines a month and issuing 600 policies. Reconciling a line properly runs about three minutes; checking a policy against the application and binder runs about eight. That is 100 hours plus 80 hours — roughly CAD $6,840 a month in loaded time at the $36–40/hour figure we publish.
The second benefit is recovered commission, and we will not put an industry-average leakage percentage on this page. We have not measured your carriers, and neither has anyone who quotes you one.
The assessment runs a real sample of your recent statements against your own book and counts the discrepancies. That produces a recovery figure derived from your data — the only kind that belongs in a business case.
The E&O case is the stronger one
Recovered commission is easy to put in a spreadsheet, so it tends to lead the business case. We think the policy-checking half is worth more, and it is harder to quantify precisely because the losses it prevents never happen.
A checking layer that reads every issued policy against the application and binder — and flags a limit that came back wrong, a missing endorsement, a named insured dropped in transcription — is a control your E&O carrier will understand immediately. Whether it affects your premium is a conversation to have with them, not a claim for us to make.
What we automate first
Ordered by how quickly the payback tends to arrive.
Explicitly out of scope: coverage determinations, claims adjudication, underwriting decisions, pricing, and any advice to a client about what cover they should carry. Those are licensed activities and they stay with your licensed people.
Commission statement reconciliation
Statements from every carrier — each in its own format, several as PDFs built for printing rather than reading — parsed into lines and matched against the policies on your book at the rate and term agreed. Unmatched and short-paid lines become an exception with the evidence attached, ready to query.
Policy checking
The issued policy read and compared field by field against the application and binder: coverage, limits, deductibles, named insureds, effective dates, endorsements. Discrepancies are reported to a person to act on. We flag differences; a licensed broker decides what they mean.
Submission intake
Client-supplied applications, loss runs and schedules read and structured so a submission can be assembled without retyping — including the schedules that arrive as a spreadsheet built by someone who was not thinking about your workflow.
Certificates of insurance
Certificate requests matched against the policy actually in force, with any request that would misstate coverage flagged rather than issued. A certificate that overstates cover is an E&O event, so this one abstains readily and routes to a human.
First notice of loss
Claim notifications arriving by email or form parsed into structured records and routed to the right adjuster or carrier queue with the policy details attached. No coverage determination, no adjudication, no reserve setting.
You hold other people's information as a condition of your licence
A brokerage file holds personal information, financial detail, loss history and sometimes health information — collected under privacy law and held under obligations your provincial regulator takes seriously. Where that information is processed is a question you should be able to answer in one sentence.
We are incorporated in Ontario and deploy into a Canadian region, a U.S. region, your own cloud tenancy, or your own hardware — named in the statement of work. Which model provider sees which fields is written down, and fields you nominate never cross the boundary at all.
Ask any vendor for their contracting entity and its jurisdiction before you ask about features. It is a faster filter than a demo.
What we commit to on dataWhat we will not claim
We are not SOC 2 certified and not ISO 27001 certified, and we say so rather than waiting to be asked.
We also make no claim about the effect of any control on your E&O premium. That is between you and your carrier, and any vendor promising otherwise is guessing on your behalf.
The same published prices as everything else
Prices in Canadian dollars, verified 23 August 2026. An advisory hour is CAD $195; fixed-scope advisory engagements start at CAD $4,500; minimum build engagement is CAD $9,500.
- Start here
- Automation Readiness Assessment — $12,500 (credited in full against a build within 90 days). For brokerages this includes sampling real commission statements against your book, so the recovery estimate comes from your data rather than an industry average.
- The build
- From $26,000 for one document type across two intake sources — commission reconciliation alone usually sits here. $48,000 for three types with separate rule sets, which is typically commission plus policy checking plus certificates.
- Running it
- $2,400 or $4,800 a month for hosting in your chosen region, monitoring, incident response and a monthly re-run of your evaluation set — the last of which matters here, because carriers change statement formats without telling anyone.
When you should not buy this
When your broker management system already reconciles commissions. Several major BMS platforms include download and commission matching, and a good number of brokerages own that module without having configured it. Check before you commission anything — this is the most common reason we tell brokerages to keep their money.
When carrier download already covers your book. If most of your business arrives through automated download, the reconciliation problem is much smaller than it looks and may not clear the minimum.
Under roughly 500 documents a month. The arithmetic does not work, and a small brokerage is better served by tightening the spot-check than by buying software.
When your book data is not clean. Reconciliation compares a statement against your record of what was bound. If that record is unreliable, the system will produce a long list of discrepancies that are your own data errors — technically correct, operationally useless. Cleaning the book comes first, and you do not need us for that.
Questions worth asking first
The ones a brokerage asks first. Where an answer would need a number we have not measured, we say so rather than borrowing an industry average.
How much commission are we losing?
We will not put an industry-average leakage percentage on this page. We have not measured your carriers, and neither has anyone who quotes you one. The assessment runs a real sample of your recent statements against your own book and counts the discrepancies — that produces a recovery figure derived from your data, the only kind that belongs in a business case.
Does it make coverage or claims decisions?
No. Coverage determinations, claims adjudication, underwriting decisions, pricing, and any advice to a client about what cover they should carry are explicitly out of scope — those are licensed activities and they stay with your licensed people. On policy checking we flag differences and a licensed broker decides what they mean; on first notice of loss there is no coverage determination, no adjudication and no reserve setting.
Where is our client information processed?
We are incorporated in Ontario and deploy into a Canadian region, a U.S. region, your own cloud tenancy, or your own hardware — named in the statement of work. Which model provider sees which fields is written down, and fields you nominate never cross the boundary at all.
Are you SOC 2 or ISO 27001 certified?
We are not SOC 2 certified and not ISO 27001 certified, and we say so rather than waiting to be asked. What we offer instead is documented practice, data residency in the country you choose, contractual commitments, and the option to run everything inside your own infrastructure so the trust boundary never leaves your organisation.
Will policy checking lower our E&O premium?
We make no claim about the effect of any control on your E&O premium. That is between you and your carrier, and any vendor promising otherwise is guessing on your behalf. A checking layer that reads every issued policy against the application and binder is a control your E&O carrier will understand immediately — but whether it affects your premium is a conversation to have with them, not a claim for us to make.
Start with one carrier statement
One recent statement and your record of the policies it covers. That sample shows whether there is money in this — and how clean your book actually is — before anyone commits to a build.
See the assessment