You cover everyone else. Let Finley cover you.
Premiums that aren’t yours yet. Commissions that arrive late. Risk spread across carriers you can’t fully see. Finley turns all of it into one clear number, every day. Finley knows your agency: every entity, every producer, every carrier, every ledger. It tells you which producers are earning their keep, where your book is exposed, and what the agency is actually worth. Today, not at year-end when the contingents post. And you will never explain your own agency to it twice.
For independent agencies doing $2M to $20M in revenue who live on commission and contingent income, run one office or a handful, and have a bookkeeper instead of a CFO.
Gross commission
$0
Cost to produce
$0
True net margin
$0
for Insurance Agencies
Know which producers are the productive
Gross production is a vanity number. It tells you volume, not value. Your biggest producer carries the richest split, the heaviest service load, and the two CSRs who exist to keep his accounts happy, and none of that rides along on the production report. Finley weighs what every producer brings in against what it actually costs to keep them producing, comp, splits, support, the whole load, and ranks the book by true net margin. The producer conversation stops being an argument about volume and becomes a number you can both see.
See renewals for what they are actually worth
A flat top line can hide two very different agencies. One writes plenty of new business while the back door swings. The other holds a renewal book that compounds quietly every year. They look identical on the P&L and they sell for very different multiples. Finley tracks renewal against new business every month, side by side, so a slip in retention shows up as a number in March instead of a surprise at year-end. A few points of retention compound fast. Finley makes sure you see them while they are still points.
Spot risk before a carrier decides it for you
If two carriers write most of your commission income, your agency is more exposed than it feels day to day. A rate action, a tightened appetite, a market pulled out of the state, and revenue moves overnight, before a single renewal reaches your desk. Finley breaks revenue down by carrier and by line of business continuously, so concentration is a number you manage on purpose, years before a buyer haircuts your multiple for it.
Connect Finley once and start gaining insights.
Connected in minutes. No data migration, no implementation project, and nothing for your bookkeeper to maintain. Your management system keeps running the book. Finley reads what the agency produces and tells you what it means.
Then the part that matters. Finley keeps what it learns. Every month it knows your seasonality better, your carriers’ payment habits better, which accounts renew early and which one just started paying late. Your operations manager has been here nineteen years and knows all of it, and all of it lives in her head. The producer who leaves takes his relationships with him. The next banker, the next aggregator, the next buyer will each start from zero. Finley started once, and never starts over.
Know your cash position today, and any week between now and next year
Finley builds a rolling cash flow forecast and keeps it current: every carrier payable, every direct-bill commission on its way, your actual payroll rhythm, and a certainty band that widens the further out it looks. Thirteen weeks by default, a full year when a decision needs it. So when you weigh a producer hire in October, you know before the offer letter goes out whether the trough before contingents post can carry it.
Rolling forecast · weekly
Everyone else starts from zero. Your banker included.
Your banker knows your balance. The aggregator knows a multiple. The lender quoting your acquisition has never once seen your retention. Every one of them starts every conversation with you explaining your own agency again. So when you ask how to finance an $850K book of business, a bank answers with the product it sells. Finley answers with your options: the SBA loan, the seller note, the bank term loan, what each does to your cash flow, your covenants, and the trough before contingents land, reasoned over the retention risk in the book you are buying. Then it recommends one. Finley works for you, because Finley is yours.
One caveat: confirm the January trough before you set the down payment.
Find out what the news means for your book
When a carrier pulls out of the state, a market hardens, or a rate action lands on your biggest line, the bulletin tells you it happened. It does not tell you which accounts it touches, what it does to your commission income, or which contingent threshold just moved out of reach. Ask Finley and you get your answer, not the industry’s: it already knows which carriers write your book, which accounts sit in the blast radius, and what the remarketing is worth.
Watching · 212 policies · nonrenewal notices · appetite guides
CFO recommendation
Remarket the 38 largest accounts first: they hold $121K of the commission at risk. I can rank the book by exposure now.Rank the book
Direct bill and agency bill, reconciled
Always know what is actually the agency’s versus what is passing through on its way to a carrier. Trust stays trust, operating stays operating, and nothing surprises the auditor.
Clean, audit-ready EBITDA
Expense ratios and tech-stack spend tracked continuously, not reconstructed under deadline pressure when a buyer asks. The number is ready before the question is.
Producer and expense benchmarking
Comp-to-revenue by producer and spend against the revenue it produces, read continuously, so you see where to adjust while it is still an adjustment.
Carrier and line-of-business mix
Revenue and commission broken out by carrier and line, with concentration flagged while it is still a strategy question and not a diligence finding.
Every agency deserves to be known.
You have spent thirty years building a book everyone wants to buy and nobody has bothered to understand. Every account on it is a relationship you built. Finley knows the whole agency, every entity, every producer, every renewal, and it never takes another job.