Saturn BPO
HomeAboutPricing
ContactClient PortalBook a Free Consultation
For insurance agents & brokers

Your carrier statements pile up unmatched. We fix that.

Saturn BPO handles commission reconciliation, AMS integration, producer split calculations, premium trust accounting, and tax filing for independent insurance agencies. P&C, life, health. DOI-exam ready by design.

Book a 30-min agency audit See pricing

Carrier-statement fluent · AMS360, EZLynx, NowCerts, Applied Epic · Premium trust segregated

Credentialed by the people who set the rules

  • QuickBooks ProAdvisors logoQuickBooks ProAdvisors
  • Xero Advisors logoXero Advisors
  • Certified Bookkeepers logoCertified Bookkeepers
The agent's back-office mess

The recurring problems we fix at independent agencies.

If you're running an independent agency with 3+ producers, you have these. We've yet to onboard an agency where they weren't all present.

  • Commission recognition is wrong

    Booked when received, not earned. Every month's revenue number is off.

  • Carrier statements unmatched

    Pile up against the AMS unreconciled. You don't know what's missing or paid.

  • Producer splits done by hand

    Errors are common. Producers eventually notice. Trust drops fast.

  • Trust accounts comingle

    Premium trust mixed with operating cash. State DOI does not like this.

  • Cancellations skipped

    Chargebacks not flowing back through the books. Revenue is overstated.

  • Carrier schedules unused

    Never fed into forecasting. You're running the agency blind on next quarter.

The shift

Commission chaos → a real agency P&L.

Before Saturn BPO

  • Commissions booked on receipt, not on effective date
  • Carrier statements piling up unmatched
  • Producer payouts calculated by hand, errors common
  • Premium trust mixed with operating cash
  • No producer-level profitability view

After Saturn BPO

  • Commission revenue recognized on the right date
  • Monthly carrier-statement reconciliation built in
  • Producer splits calculated, paid, and reported automatically
  • Premium trust segregated, DOI-audit ready
  • Producer P&L so you know who's writing profitable business
Why operators stick with us

A modern finance team. Not a part-time bookkeeper with a backlog.

  • Always-on accuracy

    Reconciled weekly, not at month-end.

  • Nothing slips through

    Follow-ups and deadlines handled in the background.

  • Real-time visibility

    Weekly summary. Monthly report. No black box.

  • Books + tax, one roof

    Federal & state filing via our partner. No CPA shuffle.

Pricing for insurance agencies

Insurance engagements start at $2,500/mo.

Final price is sized to producer count, carrier count, and trust-accounting complexity. Custom quote in 24 hours after a 30-minute discovery call.

What that buys you

  • • Monthly carrier-statement reconciliation against your AMS
  • • Commission revenue recognized on the right date
  • • Producer split calculations, pay reports, and payment runs
  • • Premium trust segregated and DOI-audit ready
  • • Contingent / profit-sharing tracked separately
  • • Federal + state income tax filing via our tax partner

Typical engagement

$2,500/mo

Most agencies land between $2,500 and $4,500/mo

Get a custom quote

Price scales with

  • • Producer count + commission grid complexity
  • • Carrier count (more carriers = more reconciliation)
  • • Premium trust transaction volume
  • • Contingent / profit-sharing structure complexity
  • • State-specific DOI reporting requirements
The real questions

What people actually ask before they sign.

Yes. We work with the major AMS systems and reconcile your accounting books against the AMS production data each month. The AMS is the source of truth for policy data. We make sure the books reflect it.
Yes. Premium trust is segregated, reconciled monthly, and the books are kept audit-ready for state DOI exams. We follow your state's specific trust accounting rules.
Tracked as receivable when accrued, recognized when paid, reconciled against the carrier's schedule. You see contingents broken out separately from base commission revenue on every monthly P&L.
Yes. We calculate splits per your commission grid (tiered, flat, hybrid), generate the pay reports, and either pay producers directly or hand the schedule to your payroll provider.
Most insurance engagements land between $2,500 and $4,500 a month depending on producer count, carrier count, and trust-accounting complexity. Custom quote in 24 hours.

Get a real agency P&L. Not just a list of deposits.

Thirty minutes. Bring your AMS production report, your last carrier statement, and your producer grid. We'll show you exactly where the cleanup time goes.

Book a 30-min agency audit

No contract. No high-pressure follow-up. If we're not a fit we'll say so.