Branch and Ledger works with P&C agencies and brokerages where commission reconciliation, trust and premium fund segregation, and AMS-to-QuickBooks alignment are the difference between books that hold up and books that do not. Deep bench in AMS360, with reconciliation-first experience across the other major platforms.
Insurance agencies do not have generic bookkeeping problems. They have insurance bookkeeping problems. Commission statements from the carriers do not tie to deposits. Trust and premium funds are commingled with operating cash. Producers cannot get a straight P&L on their own book. The AMS says one thing, QuickBooks says another, and the monthly reconciliation between them is a negotiation that never quite finishes.
Carrier statements arrive on different schedules and in different formats — PDFs, spreadsheets, portal downloads. Matching them to deposits is forensic work no one has time for, so it stops happening. Variances stack up, and no one can tell whether the carriers are underpaying.
Premium collections and agency operating cash sit in the same account. Segregation is a spreadsheet, if it exists at all. Compliance risk grows every month, and refunds and NSFs get untangled from operating spend after the fact.
Policies and endorsements move through the AMS. Money moves through QuickBooks. The two systems have never been formally reconciled, and the gap has been growing quietly for a year or more. Anyone trying to close the month has to pick which system to believe.
Contingent and profit-sharing commissions arrive quarterly or annually with no accrual in the interim. The books swing on a receipt basis, and the P&L overstates or understates margin for months at a time.
Producer splits are calculated in the AMS, tracked in a shared spreadsheet, and manually reconciled at year-end. 1099s take a week that should have taken an afternoon. Half of it is chasing missing W-9s. The other half is reconciling split calculations back to what actually paid out.
Producers work across states. Payroll taxes, workers comp, and licensing fees vary by jurisdiction. The books need to reflect state-level allocation, and most generalist bookkeepers do not set up the file to do it.
Insurance work is not tool mastery — it is outcome mastery. The reconciliation matters more than the software. That said, we have hands-on experience with AMS360 as our primary AMS platform, and we work with the mechanics of the other major platforms enough to reconcile against them without a learning curve on your dime.
A cleanup is a full restoration of the reconciliation structure. Ongoing bookkeeping is the discipline that keeps it that way. Same four steps as any engagement, tuned to how insurance actually operates.
Carrier statements not tying to deposits. AMS and QuickBooks disagreeing. Trust and operating funds commingled. A CPA asking for numbers no one can produce cleanly.
Scoped, fixed-fee cleanup. Commission history reconstructed, trust funds segregated, AMS-to-QuickBooks alignment done properly, contingent accruals set up, producer P&L stood up. Written summary of every material change.
Commission variances are visible, not hidden. Trust compliance is clean. Producer P&L is available on demand. Year-end 1099s and CPA packets are routine, not a scramble.
Monthly bookkeeping takes over. Carrier statements reconciled every month. Contingent accruals adjusted. Producer books current. AMS and QuickBooks stay in sync.
The bookkeeping work has a specific shape in insurance, but two adjacent conversations happen so often on discovery calls that they belong on this page.
Cleanup pricing depends on how deep the reconciliation gap actually goes. Before we quote a cleanup, we run a paid diagnostic — a scoped, fixed-fee review of the current state of the books, the AMS, and the reconciliation gap between them. The diagnostic produces a written finding: what is broken, what a rebuild would cost, and whether we are the right shop for the work.
Bring your questions. We will tell you honestly what your books look like, what a diagnostic would take, and whether we are the right fit. If we are not, we will point you toward someone who is.
Book a discovery call