Policy & ProfitBOOKKEEPING
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Bookkeeping built for insurance agents

Your policies protect clients. Our books protect your profit.

Insurance-specific monthly bookkeeping led by a CPA who understands commissions, chargebacks, producer payments, and the way an agency really operates.

Find your package See why specialization matters
30years of experience
CPAled bookkeeping
$99plans from / month
Insurance agency owner reviewing organized financial reports in her office
P&L
Books closed monthlyClear. Reconciled. Ready.
Insurance expertiseNo learning curve required
Commission incomeChargebacksProducer paymentsTax-ready financials
Insurance professional organizing carrier statements and financial records
Insurance books have more moving pieces.That is exactly why specialization matters.
Not generic bookkeeping

Your agency’s books are not as simple as matching bank transactions.

Carrier deposits, renewals, chargebacks, producer payments, and contingent income tell a story that generic software cannot interpret on its own.

  • 01
    Deposits without context

    Commission deposits land in the bank without clearly showing what was earned, adjusted, or charged back.

  • 02
    Numbers that do not help you decide

    A generic P&L can look complete while still hiding how your agency actually makes—and keeps—money.

  • 03
    The year-end scramble

    When the books wait until tax season, questions are harder to answer and planning opportunities have already passed.

DIY software versus done-for-you bookkeeping

Buying QuickBooks is only the beginning. You still have to do the bookkeeping.

With Policy & Profit, the software is included—and a CPA-led, insurance-specialized team handles the monthly work for you.

Policy & Profit
$99–$199/ month

LedgerHQ software and professional monthly bookkeeping included.

  • We categorize and reconcile
  • We review before delivering reports
  • We understand insurance agencies
VS
QuickBooks by yourself
$38–$140/ month*

A software subscription before you have done a minute of bookkeeping.

  • You set up and categorize
  • You reconcile and troubleshoot
  • You decide whether the books are right
What your agency needsPolicy & ProfitQuickBooks DIY
SoftwareLedgerHQ is included in your packageQuickBooks subscription purchased separately
Your timeAnswer an occasional question—we do the workSet up, categorize, reconcile, research, and correct
Industry setupBuilt specifically for insurance agentsGeneric chart and automated suggestions
Commission activityOrganized with insurance-industry contextYou decide how every deposit and chargeback belongs
Monthly closeCategorized, reconciled, and professionally reviewedOnly complete when you find time to finish it
ConfidenceClear financials reviewed before deliveryAccuracy depends on your setup and bookkeeping decisions
Tax readinessOrganized for your tax professionalCleanup often waits until year-end

*Current QuickBooks Online list prices range from $38/month for Simple Start to $140/month for Plus before temporary promotions. Policy & Profit pricing includes LedgerHQ and the bookkeeping service. Bookkeeping services are not an audit, review, or assurance engagement.

Built around your agency

Clear books. Useful reports. Less back-office drag.

Every package is built on the fundamentals your agency needs each month, then scaled to match its activity and the level of access you want.

Monthly bookkeeping

Transactions categorized and financial accounts reconciled on a reliable monthly rhythm.

Insurance-aware records

Commissions, renewals, bonuses, chargebacks, and agency expenses organized with context.

Financial statements

A monthly profit and loss statement and balance sheet you can actually trust.

Tax-ready handoff

Clean year-end information prepared for your tax professional—without the last-minute scramble.

Straightforward monthly pricing

Choose the support level that fits.

Every plan includes LedgerHQ, monthly bookkeeping, reconciliations, and financial statements. No surprise hourly billing.

Agent Essentials

Reliable monthly bookkeeping for solo agents who want the work handled—without meetings or ongoing advisory support.

$99/ month
Designed for1 business entityUp to 2 financial accountsUp to 100 monthly transactions
  • Insurance-specific chart of accounts
  • Monthly transaction categorization
  • Monthly bank and credit-card reconciliations
  • Monthly P&L and balance sheet
  • Year-end package for your tax preparer
  • Bookkeeping-only communication

SupportNo meetings. We contact you only when information is needed to complete your books.

Choose Agent Essentials
Most popular

Agency Growth

Expanded bookkeeping and convenient portal access for established agents and small agencies.

$149/ month
Designed for1 business entityUp to 4 financial accountsUp to 250 monthly transactions
  • Everything in Agent Essentials
  • Commission, renewal, bonus & chargeback tracking
  • Producer and contractor payment categorization
  • 1099 contractor tracking
  • Brief explanations of monthly results
  • LedgerHQ portal messaging

SupportAsk brief bookkeeping questions through your client portal. No scheduled calls or meetings.

Choose Agency Growth

Agency Advisory

Monthly bookkeeping with annual tax-planning insight for agency owners who want to look ahead.

$199/ month
Designed for1 business entityUp to 6 financial accountsUp to 400 monthly transactions
  • Everything in Agency Growth
  • Annual Tax Planner Pro projection
  • Potential planning opportunities identified
  • Estimated-tax planning information
  • Year-end planning summary
  • One 30-minute annual planning meeting

SupportPriority portal messaging plus one focused annual planning meeting. Additional meetings are separately priced.

Choose Agency Advisory

Have more activity? Catch-up work, additional entities, detailed carrier-statement reconciliation, trust accounting, producer-split calculations, payroll, and bill payment are scoped separately.

Simple from day one

Hand off the books in four steps.

  1. 1

    Choose your package

    Select the level that matches your monthly activity and support needs.

  2. 2

    Connect securely

    Use LedgerHQ to connect accounts and share the records we need.

  3. 3

    We close the books

    We categorize, reconcile, review, and follow up on genuine exceptions.

  4. 4

    See where you stand

    Receive clear monthly reports inside your client portal.

Included with Agency Advisory

Do more than prepare for tax season. Plan for it.

Agency Advisory clients receive an annual Tax Planner Pro projection, a focused planning summary, and one 30-minute meeting to review opportunities before the year is over.

Annual tax projectionEstimated-tax informationPotential strategies identified
Tax planning and projections are included. Tax-return preparation, filing, legal advice, and representation are not included. Consult your tax-return preparer before implementing a strategy.
Meet your bookkeeperChristopher Reagan, CPA

Naples, Florida

Experience that understands the details

Thirty years of bookkeeping and tax experience—focused on insurance agents.

Christopher Reagan is a CPA with three decades of bookkeeping and tax experience and a deep working knowledge of how insurance agents, agencies, brokerages, commissions, and operating expenses fit together.

He has called the Naples area home for nearly 30 years. Away from the books, Christopher enjoys golf and time with his wife, daughter Emma, and their two Pomeranians.

“You should not have to teach your bookkeeper how your insurance business works.”
Questions, answered

Before you choose a package.

Yes. Your package includes access to LedgerHQ for secure account connections, document sharing, financial reports, and—where included—portal messaging.

Ready for books built around your business?

Spend more time building your book of business—and less time doing the books.

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