Monthly commission reconciliation

Your insurers are underpaying you.

Every month we reconcile each insurer's commission statement against your policy ledger, line by line, and send you this. Underpayments flagged policy by policy, each one diagnosed. You forward statements as they arrive. There is nothing to log into.

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A real report, on illustrative figures rather than a client's.

A Northrow Reporting monthly reconciliation: summary figures, then every insurer's statement checked against the policy ledger with the variance on each row. — −£750.65 unpaid this month

June 2026 · one broker · 83 policies · four insurers

What one month looked like.

Commission owed£99,046.66

Commission paid£98,296.01

Still missing−£750.65

Recovered so far this year£4,912.77

From the sample report. The variance is what was still outstanding after every statement had been received, checked and signed off internally.

Findings

Seven ways a statement quietly comes up short.

These survive a manual check, because catching them means comparing every line against your agreement rather than checking the total.

Rate mismatchCommission paid at a lower rate than your agency agreement provides.

Missing MTAA mid-term adjustment booked on your side that the statement never paid.

Policy absentA live policy with no line on the statement at all, sometimes for months.

Clawback timingA cancellation clawed back in the wrong period, or taken twice.

Premium mismatchThe statement and your ledger disagree on the premium. One of them is wrong.

Unmatched creditMoney with no matching policy. Often another agency's, and it gets reversed later.

Statement not receivedAn insurer that sent nothing at all. Nobody tracks this, and it is the easiest leak to miss.

Open queries roll forward month to month until they resolve, so a chase does not die when someone gets busy.

Process

Half an hour to set up. Then you forward emails.

You forward statementsA mail rule sends insurer commission statements to an address we give you, as they arrive. PDF, Excel, whatever the insurer sends.Step 1

We reconcile every lineEach line is matched to a policy in your ledger and checked against the commission your agency agreement says was due.Step 2

You get the reportA PDF with the exceptions listed policy by policy, each one diagnosed, ready to send to your account manager.Step 3

Fee

It pays for itself or you stop paying.

Per month, after the first£400

First monthNo charge

The first month is a real report on your real statements, not a demo. If it finds nothing, you have lost nothing. No contract and no notice period; cancel by replying to the email.

Straight answers

Is this software I have to learn?No. There is nothing to log into and no system to adopt. You get a PDF.

Do you need access to our systems?No. You send statements and one monthly ledger export. We never log into anything of yours.

Does it replace our IBA process?No. Your system handles cash and client money. This checks whether the commission you were paid matches what you were owed, which is a different question.

What if our insurers send scanned statements?Tell us before you sign up. Scans need different handling and we would rather say so than miss lines.

Who checks the report?A person, every month, before it is sent. It is a reconciliation aid and says so on the report: confirm figures before entering a formal dispute.

On trust

Northrow Reporting is new. There are no case studies on this page and no client logos, because there are no clients yet to name. The free first month exists so you can judge the work rather than the marketing.