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Spreadsheets are not an accounting system. They are a symptom. If your insurance premium accounting depends on spreadsheets, it usually means the core system cannot handle the real complexity of premium workflows. Over time, spreadsheets become the system of record, and risk quietly compounds. Premium Accounting replaces spreadsheet-based premium tracking with insurance-specific accounting logic built for MGAs and wholesalers.
Spreadsheets appear when systems fail to support reality.
They are used to:
Each spreadsheet solves a short-term problem while increasing long-term risk.
Spreadsheet dependency creates issues that are hard to quantify until something breaks.
Common problems include:
Spreadsheets do not scale with premium volume or complexity.
Generic accounting tools were not designed for insurance premium workflows.
They struggle with:
When systems cannot handle these workflows, spreadsheets fill the gap.
Premium Accounting replaces spreadsheets with a dedicated premium subledger.
It provides:
Spreadsheets are no longer required to “make the numbers work.
Premium Accounting is built around real insurance workflows.
It supports:
This removes the need for parallel spreadsheet logic.
When Premium Accounting replaces spreadsheets, accounting teams gain:
Accounting becomes repeatable instead of heroic.
Premium Accounting does not require replacing your stack.
It works alongside:
Premium Accounting focuses on premium accounting so other systems do not have to. To see how this fits into your environment, review how Premium Accounting integrates with insurance management systems and accounting ledgers.
This page resonates with organizations that:
It is most commonly read by MGAs and wholesalers evaluating insurance premium accounting software to eliminate spreadsheet risk.
Accurate allocations, full traceability, and audit-ready reporting - without agency accounting workarounds.