THE EVENPENNY LIBRARY
Practical guides for the agency back office
A pure developer assumes the management system is the source of truth. A pure accountant knows it isn't, and deals with it in Excel. EvenPenny was built by someone who had to do both jobs.
Start with carrier reconciliation
Compare the same carrier account, cutoff, transaction, and amount basis. Keep the source records and an explanation of each unresolved item. The checklist gives you a repeatable order for the review.
A WORKING FILE FOR YOUR REVIEW
Request the carrier reconciliation workbook
The Excel workbook includes 40 blank review rows and a worked example. Pair the statement and agency amount, identify missing records, and keep the next action and evidence with each item.
Request the workbook below and receive the download by email.
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- Carrier statements and reconciliation.
- Producer and direct-bill commission review.
- Cash, premium funds, and month-end close.
- System-specific report and export guides.
Agency Bill vs. Direct Bill: How the Money Moves
Compare who collects premium, who remits to the carrier, and what changes in an agency-bill or direct-bill reconciliation.
Read the guide AGENCY OPERATIONSCarrier Statement Reconciliation: A Practical Checklist
A practical carrier reconciliation checklist: align source reports, review differences, trace payments, and prepare the remittance review.
Read the guide AGENCY OPERATIONSAn Insurance Agency Month-End Close Checklist
Review cash, receivables, carrier payables, producer commissions, and the financial statements in a consistent agency month-end close.
Read the guide AGENCY OPERATIONSCumulative vs activity carrier statements: what are you reconciling?
Separate period activity, open balances, and applied payments before comparing a carrier statement with agency records.
Read the guide AGENCY OPERATIONSProducer commissions: written, billed, collected, and payable
Understand written, billed, collected, and payable producer commissions, with a fictional calculation and statement-review checklist.
Read the guide AGENCY OPERATIONSHow to investigate insurance agency commission discrepancies
Check missing items, commission bases, rates, duplicates, timing, and adjustments before correcting an insurance commission difference.
Read the guide SYSTEM GUIDEAgency bill reconciliation in AMS360
Reconcile agency-bill carrier statements in AMS360 with report selection, payment history, date checks, and a practical worksheet.
Read the guide AGENCY OPERATIONSDirect bill carrier reconciliation: a practical agency guide
A practical guide to direct bill commission matching, carrier statement exceptions, payment timing, and a documented month-end review.
Read the guide AGENCY OPERATIONSHow much cash can I take out of my agency?
Review agency cash, premium obligations, operating needs, and expected collections before discussing an owner distribution.
Read the guide SYSTEM GUIDEAgency bill reconciliation in Applied Epic
A practical Applied Epic agency-bill review method: premium payables, carrier statements, partial payments, surety exceptions, and controls.
Read the guide COMPARISONiAutomate Erlon Surety and EvenPenny: what each one does.
See how iAutomate Erlon Surety's bond workflow and EvenPenny's agency-bill reconciliation fit a surety agency's day-to-day work.
Read the guide SYSTEM GUIDEAgency bill reconciliation in Sagitta
Reconcile Sagitta agency-bill statements with report selection, payee checks, export controls, payment history, and a practical worksheet.
Read the guide AGENCY OPERATIONSPremium trust accounts: a practical records guide
Understand premium fund records, gross and net balances, reconciliation, and account rules with a practical agency review process.
Read the guideFor contractors and their CPAs
Nick’s CPA guide to bonding capacity remains available at its existing address. It is supporting reading for construction financials and surety underwriting, separate from the agency operations guides.