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Many MGAs, wholesalers, and agencies continue to use Sagitta as their core management system. Sagitta is deeply embedded in many organizations. Where teams consistently struggle is accounting. Sagitta includes accounting-related functionality, but it was not designed to handle modern insurance premium complexity. This page explains the difference and why many organizations keep Sagitta while replacing the accounting layer.
Sagitta accounting functionality is designed to support basic operational needs.
It typically provides:
For simple environments, this can be sufficient. As premium complexity increases, accounting limitations become increasingly visible.
Sagitta accounting was not designed for modern MGA and wholesale workflows.
Common challenges include:
As a result, accounting teams rebuild premium logic outside Sagitta.
Premium Accounting is a dedicated premium subledger built specifically for insurance accounting.
It is designed to:
It focuses entirely on accounting so Sagitta does not have to.
Modernizing accounting does not require replacing Sagitta.
Premium Accounting integrates alongside Sagitta:
This avoids disruption while delivering immediate accounting improvement. To understand this approach, see how organizations replace insurance accounting without changing their management system.
Sagitta Accounting
Premium Accounting
Both systems can coexist, but they serve different purposes.
Sagitta accounting may be sufficient if:
As complexity increases, spreadsheet dependency increases with it.
Premium Accounting is a better fit when:
At this stage, accounting limitations are structural, not procedural.
Premium Accounting integrates with Sagitta, rating tools, and accounting ledgers. Organizations do not need to switch systems to achieve accurate accounting. To see supported integrations, review how Premium Accounting integrates with insurance management systems and accounting ledgers.
This comparison is most useful for:
It is commonly read by teams searching for insurance premium accounting software to move beyond legacy accounting limits.
Accurate allocations, full traceability, and audit-ready reporting - without agency accounting workarounds.
This comparison is provided for general informational purposes only. It is based on publicly available information, typical use cases, and common operational patterns observed in the insurance industry. Product capabilities, configurations, and customer experiences may vary by implementation, version, and organizational requirements. Nothing on this page is intended to misrepresent, disparage, or evaluate the legal, financial, or commercial standing of any third-party product or vendor. Organizations should conduct their own evaluation to determine which solutions best meet their specific needs.