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Accurate premium billing, allocations, and reconciliation across agency bill, direct bill, installments, premium finance, and bordereaux without spreadsheets or accounting workarounds.
Works alongside your existing AMS and syncs to your general ledger.
Premium Accounting is purpose-built for the way premium actually moves in P&C insurance. It handles agency bill, direct bill, installments, premium finance, commissions, and bordereaux without spreadsheets or fragile workarounds. Keep your existing agency management system and rating tools. Premium Accounting integrates alongside them and synchronizes insurance-ready financial outcomes to your general ledger.
Accounting breaks in P&C because premium is not a simple invoice and payment.
MGA and wholesale teams deal with:
Most accounting tools were never designed for this reality. Spreadsheets become the system of record, and errors surface only at month-end close or audit.
Agency management systems and policy platforms are excellent at operations. They are not built to be premium accounting systems.
Teams using systems like Applied Epic, Vertafore AMS360 or AIM, MGA Systems, BindHQ, or Guidewire still rely on:
Premium Accounting does not replace your management system.
It replaces the broken accounting layer around it by integrating cleanly with your existing systems through open APIs. Learn more about how Premium Accounting integrates with insurance management systems and accounting ledgers.
Premium Accounting is an insurance-specific premium subledger that runs alongside your existing systems.
It provides:
For a deeper explanation of how these capabilities come together, see our overview of insurance premium accounting software built for real P&C workflows.
Policy, billing, and commission transactions mapped to GAAP-compliant accounting rules.
Preconfigured chart of accounts for premiums, commissions, unearned balances, fees, and reserves.
Carrier-ready bordereaux by program, period, and line of business with validations.
Aging, trust controls, settlement workflows, and clean reconciliations.
Automatic posting for binds, endorsements, cancellations, earned premium, and commission movements.
Carrier-ready bordereaux by program, period, and line of business with validations.
Premium Accounting is API-first and system-agnostic.
It integrates with agency management systems, policy administration platforms, rating tools, and accounting ledgers without forcing workflow changes. This allows teams to replace insurance accounting without changing their management system, avoiding costly and risky rip-and-replace projects.
Examples include:
If your system can provide policy or transaction data, Premium Accounting can work with it.
Premium Accounting is designed for the people who live with the numbers.
It gives accounting teams:
This is premium accounting built for real insurance operations, not generic bookkeeping.
Premium Accounting is designed for organizations that manage complex premium flows and need accounting clarity without spreadsheets.
It is most commonly used by:
If you are evaluating MGA accounting software and struggling with premium billing, reconciliation, or close, Premium Accounting was built specifically for these challenges.
Accurate allocations, full traceability, and audit-ready reporting - without agency accounting workarounds.