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Most accounting software was never designed for insurance premium. Insurance premium accounting software must handle agency bill and direct bill business, installments, endorsements, cancellations, commissions, fees, and bordereaux. When systems are not built for this reality, spreadsheets become the workaround. Premium Accounting is insurance-specific premium accounting software designed for MGAs and wholesalers who need control, accuracy, and auditability without rebuilding their entire technology stack.
Traditional accounting software assumes:
P&C insurance breaks all of those assumptions. Premium changes after binding. Payments arrive partially or out of order. Commissions, fees, and taxes must be allocated correctly. Carriers, agents, and insureds all touch the same premium dollars. When accounting tools are not built for this, finance teams rely on spreadsheets to “make it work,” creating risk that compounds every month.
Insurance premium accounting is not general bookkeeping.
It requires:
Premium Accounting is built specifically for these requirements, replacing spreadsheet logic with rules and validations that match real insurance workflows.
Premium Accounting operates as a dedicated premium subledger alongside your existing systems. It ingests policy and transaction data from your management system, applies insurance-specific accounting logic, and produces clean financial outcomes for posting to your general ledger.
This architecture allows teams to keep their existing agency management system while fixing the accounting layer that causes the most pain. Learn how organizations replace insurance accounting without changing their management system.
Premium Accounting is designed for the people responsible for closing the books and explaining the numbers.
Accounting teams gain:
This is insurance premium accounting software built for operational reality, not generic financial use cases.
Premium Accounting integrates with your current technology stack.
It works alongside:
You do not need to replace your AMS or policy system to fix accounting. See how Premium Accounting integrates with insurance management systems and accounting ledgers.
Premium Accounting provides the core capabilities accounting teams need without spreadsheets:
Each capability is designed to reduce manual effort and increase confidence in financial results.
Insurance premium accounting software is most effective when it matches the operating model.
Premium Accounting is built for:
If you are evaluating MGA accounting software because spreadsheets and workarounds have become unsustainable, Premium Accounting was built to solve that problem.
Accurate allocations, full traceability, and audit-ready reporting - without agency accounting workarounds.